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Access Gap Cover
Under Police Health Access Gap Cover you may never have to pay a doctor’s bill.
Accident and Emergency Facility Fee
Australian Government Rebate
Benefit
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
At Police Health, we're constantly trying to improve the quality of our products, processes and services.
Complementary Therapies
Police Health provides benefits for a range of recognised Complementary Therapies within extras cover.
Contracted & Recognised Hospitals
Contracted and Recognised Hospitals
Eligibility
FAQ: Am I covered for all ambulance services?
Police Health - Unlimited Ambulance Cover Australia-wide
FAQ: Am I covered for travel or accommodation assistance?
FAQ: Are there any Benefit limitation periods?
At Police Health our hospital cover has no benefit limitation periods.
FAQ: Can I claim for glasses I've bought online from overseas?
I found a great pair of spectacles from an overseas online retailer. Can I claim them on my extras cover?
FAQ: Can I join?
Police Health is a restricted access health insurer for employees of state, territory or federal police departments and police unions/associations.
FAQ: Can I suspend my membership?
FAQ: Counselling Benefits
How do Police Health’s counselling benefits work?
FAQ: Do excesses apply for hospital stays?
No excesses 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: Medicare
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
At the end of each financial year private health insurers, including Police Health, previously issued a Private Health Insurance (Tax) Statements t
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 'Members Own' mean?
Whenever you see the Members Own symbol next to a health fund logo, you're looking at a fund that values members over profits and works hard to del
FAQ: What does no excess or no co-payments mean?
Other funds may charge an excess or co-payments.
FAQ: What does no exclusions and restrictions mean?
FAQ: What happens 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: What if my child needs braces?
FAQ: Why don't you offer 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 benefits towards my Pilates treatment?
Fund Rules
Glossary of terms
Hospital 35-day rule
Hospital Accommodation
How to make a claim
Lodging claims with Police Health is easy.
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
Medicare Levy Surcharge (MLS)
Membership Conditions
This website does not contain all Police Health benefit details or conditions of membership.
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 Govern
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 under the terms of our
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 co
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
Rollover Benefit
Supporting Your Mental Wellbeing
Understanding the Difference between a Counsellor, Psychologist and a Psychiatrist
5 minute read
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 (condition
Waiting Periods
Like all private health funds, Police Health has waiting periods for new members, including people transferring from another insurer when taking ou
Your choice of doctor
We give you freedom to choose.