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Access Gap Cover
Under Police Health's Access Gap Cover you may never have to pay a doctor’s bill. Your doctor can forward all accounts to us and we pay them on your behalf
Accident and Emergency Facility Fee
Accident and Emergency Facility Fee is charged to patients by private hospitals for the treatment in an accident and emergency department.
Australian Government Rebate
An incentive whereby you’re offered a Rebate on your private health insurance premiums.
Benefit
The amount payable by Police Health to you, in respect of a claim made relating to the provision of health services, or goods by a recognised provider.
Benefits limit for Extras
Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.
Complaints/ Dispute Resolution
We're constantly trying to improve the quality of our products, processes and services. We can be reached in various ways:
Complementary Therapies
Police Health provides benefits for a range of recognised Complementary Therapies within extras cover.
Contracted & Recognised Hospitals
We provide cover that represents the highest quality and best value for our members. We have agreements with over 500 hospitals across Australia.
Eligibility Guide
Police Health is a restricted access health insurer for employees of state, territory or federal police departments and police unions.
FAQ: Am I covered for all ambulance services?
Did you know that to call an ambulance can cost around $900 depending on your state or territory?
FAQ: Are there any Benefit limitation periods?
At Police Health our hospital cover has no benefit limitation periods.
FAQ: Can I join?
Police Health is restricted access private health insurer for employed, retired police officers or close relations to one
FAQ: Can I suspend my membership?
You can apply to have your membership suspended under certain circumstances.
FAQ: Claim glasses bought from overseas?
Sorry, Police Health does not provide cover for any items purchased from overseas.
FAQ: Counselling Benefits
As part of our commitment to supporting the mental health and wellbeing of our Members, Police Health offers counselling services in our Extras cover.
FAQ: Covered for travel or accommodation?
Each state has a government sponsored travel and accommodation assistance scheme...
FAQ: Do excesses apply for hospital stays?
We offer top cover with our Gold Hospital and Gold Combined products. These products do not have exclusions also no excess for hospital stays.
FAQ: How and when can I pay my premiums?
Premiums can be automatically paid fortnightly by direct debit from your financial institution account.
FAQ: How health insurance works in Australia
The Australian Government provides certain incentives to encourage all Australians to take out private health insurance.
FAQ: How soon can I claim?
Your cover will start as soon as your application has been approved and relevant premiums are paid.
FAQ: I lost my membership card, what can I do?
If your membership card is lost or stolen please notify us immediately so that it can be cancelled and replaced.
FAQ: If I change my mind on my cover?
Police Health provides a cooling off period for new members or existing members who change their level of cover.
FAQ: Medicare?
What do I need to know about Medicare? Medicare pays 75% of the Scheduled Fee for medical services provided to people who have been admitted (in-patient).
FAQ: No exclusions and restrictions mean?
Police Health's hospital cover has no exclusions and no restrictions. Meaning your covered and benefits wont be limited for certain treatments.
FAQ: Premium Increase
Each year the Minister for Health reviews and approves new private health insurance premiums across the industry, to take effect from 1 April.
FAQ: Tax Statements
Good news, Tax Statements are now sent directly to the ATO on your behalf, if for any reason you require an additional copy please contact us 1800 603 603.
FAQ: Thinking of having a baby?
Then it’s a good time for you to review your health insurance and make sure you understand what your policy does and doesn’t cover.
FAQ: What does no excess or no co-payments mean?
If you have an excess of $500, you’ll have to pay the first $500 of the hospital costs on top of anything else not covered by your policy.
FAQ: What if my child needs braces?
Orthodontics can vary considerably in the period of treatment, cost and how you’re billed.
FAQ: Why no different levels of cover?
The nature of health insurance is that you never know what health service you might need or when you might need it.
FAQ: Will you pay for my Pilates treatment?
Police Health has never had a benefit structure for Pilates, either as a separate category or under our Complementary Therapy category.
Glossary of terms
Useful definitions of terms. These terms are what health insurance industries normally use but in a police health context.
Hospital 35-day rule
Hospital benefits are payable 365 days a year. If your hospital stay is over 35 days you must get a Acute Care Certificate to keep receiving benefits.
Hospital Accommodation
Accommodation-Hospital refers to the accommodation included in your hospital cover.
How to make a claim
Lodging claims with Police Health is easy. Depending on the service and provider, there are a number of ways to claim which have been listed below:
Important Information
Before taking out private health insurance with Police Health, there is some important information you need to be aware of.
Lifetime Health Cover (LHC) Loading
You’re rewarded with lower premiums for taking out cover and maintaining it.
Medicare Levy Surcharge (MLS)
Those who do not have appropriate private hospital cover may have to pay an additional levy called the Medicare Levy Surcharge (MLS).
Membership Conditions
In the event of any inconsistency between anything on the website and the Fund Rules, it is the Fund Rules which apply in all cases.
Mobile Claims App
Members can claim using our free Police Health Mobile Claiming App!
Pharmaceutical benefits
Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the PBS.
Pre-existing Conditions
If a new member has a pre-existing condition before joining Police Health, they may need to serve a 12-month waiting period.
Pregnancy and private health insurance
If you’re thinking of starting a family, now’s a great time to review your health insurance to make sure you’re happy with, and understand, your cover.
Private Health Information Statement (PHIS)
All Australian health funds are required by law to provide Private Health Information Statement (PHIS) for each product they offer.
Reasons to join
We believe we're the best health insurer for the police community. We're designed for police and a not for profit health insurer.
Rollover Benefit
An exciting benefit for Police Health members! The Rollover benefit is about carrying over any unused Annual Maximum benefit into the following year.
Supporting Your Mental Wellbeing
Understanding the difference between a Counsellor, Psychologist and a Psychiatrist
Suspension of Private Health Cover
Under certain circumstances, such as travelling overseas, members may suspend the payment of their premiums for an agreed period of time (conditions apply)
The Fund Rules
Fund Rules are the rules that set out your rights and responsibilities as a member of Police Health.
Waiting Periods
Police Health has waiting periods for new members, including people transferring from another insurer when taking out a higher level of cover.
Your choice of doctor
Choose your preferred hospital, doctor or any other service provider, such as your physiotherapist and dentist, as long as the provider is recognised with us.