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Platinum Health

It’s simple – we’ve combined our top quality hospital and extras cover to give you complete peace of mind. From the routine to the unexpected, with Platinum Health you’ll always know we’ve got your back.

$108.30*

Fortnightly
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Platinum Health
Hospital & Extras.

This is our most popular health cover. For complete peace of mind, Platinum Health brings together our Top Hospital and SureCover Extras products at a reduced premium, providing even more value.

Taking out combined cover means you also receive partial benefits for corrective laser eye surgery, not available when taking out either Top Hospital or SureCover Extras only.

The Top Hospital component covers you for treatment in any recognised hospital or day-surgery (public or private) anywhere in Australia. It is designed to give you and your family freedom of choice in your health care while also offering no excess, benefit limitation periods, co-payments or exclusion.

While the SureCover Extras component covers you for an extensive range of health services that help you to stay fit and healthy. We pay a generous 80% of the cost in most cases, plus offer a unique rollover benefit. See below for more details.

Products & Benefits Guide State Premiums & Benefits Brochure

 

  • info
    VALUE FOR MONEY: This is our most popular health cover. It is Top Hospital and SureCover Extras combined at a reduced premium, providing even more value.
  • Provider of your choice
    FREEDOM TO CHOOSE: We don't direct you to a particular doctor or any other health care provider.
  • Group
    PEACE OF MIND: Knowing you’ve taken our comprehensive cover tailored towards the needs of the policing community.
  • GENEROUS BENEFITS: We pay 80% of the cost for the majority of Extras services provided by recognised providers.
  • Eye
    LASER EYE SURGERY: With combined cover you also receive partial benefits of corrective laser eye surgery, not available when taking out either Top Hospital or SureCover Extras only.
  • Rollover
    WE'RE THE ONLY INSURANCE GROUP IN AUSTRALIA THAT OFFERS ROLLOVER BENEFITS: For many Extras services, unused annual maximum benefits not claimed in one calendar year can be rolled over to the next!

Hospital

Inclusions List Left
  • General hospital costs

    100% covered for:

    • Private or shared room accommodation (subject to availability and the hospital 35 day rule).
    • Same day hospitalisation and day surgery
    • Intensive/coronary care accommodation
  • Theatre fees/labour ward

    100% covered

  • Drugs supplied

    100% covered when related to the reason for admission in hospital and covered under the agreement we have with the hospital. Public hospitals generally supply medication without charge.

  • Doctor's fees (for hospital treatment)

    At a minimum, we will cover the difference between the Medicare rebate and the Medicare Benefits Schedule (MBS) Fee. If your doctor chooses to use the Access Gap Cover schedule of fees, we can cover up to 100% of the doctor’s Access Gap Cover agreed fee.

  • Hospital at home

    Police Health has agreements with some hospitals to deliver out-of-hospital care to patients for services such as wound management, intravenous therapy and post-natal care.

  • Ambulance

    100% covered for emergency transport, clinically required non-emergency transport, and treatment not requiring transport.

  • Additional health care services

    Benefits are available for aids and appliances and Home Nursing. Call us on 1800 603 603 for clarification.

  • Travel and accommodation

    Up to $500 per year, per policy (conditions apply).

  • Surgical Prosthesis

    Prostheses include screws and plates, intraocular lenses, replacement joints, cardiac stents, defibrillators and other devices that are surgically implanted during your stay in hospital. There are many options to choose from, all designed to achieve the same result, but they can vary in cost and comparative benefits. We provide benefits as per the government defined list called the Prostheses List. Visit health.gov.au to find out what is listed on the Prostheses List.

  • Examples of Hospital Services

    Top Hospital when Medicare pays a benefit
    Some example services that you’re covered for under Top Hospital when Medicare pays a benefit are listed below. This is not an exhaustive list. Should you require information about a particular treatment please call us.

    EXAMPLES OF HOSPITAL SERVICES COVERED BY TOP HOSPITAL
    Intensive care and operating theatre YES
    Heart surgery, bypass, stents YES
    Removal of tonsils YES
    Removal of appendix YES
    Hernias YES
    Chemotherapy and cancer YES
    Rehabilitation services YES
    Hip and knee reconstruction and
    joint replacement
    YES
    Pregnancy and birth related services YES
    Assisted reproductive services (IVF) YES
    Gastric banding, stomach surgery YES
    Dialysis for chronic renal failure YES
    Back surgery YES
    Psychiatric services YES
    Cataract and lens replacement (eyes) YES
    Surgically implanted prostheses YES

    *This is not an exhaustive list.

More info on Hospital

Notes List Left

Extras

Inclusions List Right
  • General Dental

    (includes check-ups, x-rays, simple extractions, fillings and root canal)

    Waiting period
    2 months

    Annual maximum per person
    Unlimited

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Major Dental

    (includes crowns and dentures)

    Waiting period
    12 months

    Annual maximum per person
    $1300

    Rollover maximum per person*
    $2600

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Orthodontic

    Orthodontic benefits work slightly differently to other benefits. Limits apply after completion of anniversary years.

    Waiting period
    12 months

    Annual maximum per person
    1st Year $0
    2nd Year $800
    3rd year $800
    4th year $1500

    Lifetime limit
    $3000

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Optical

    Waiting period
    2 months

    Annual maximum per person
    $330

    Rollover maximum per person*
    $660

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Physiotherapy

    Waiting period
    2 months

    Annual maximum per person
    $850 combined with Exercise Physiology

    Rollover maximum per person*
    $1700

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Exercise Physiology

    Waiting period
    2 months

    Annual maximum per person
    Combined with Physiotherapy. Sub-limit for Exercise Physiology $400 per person, up to $800 per family

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

     

     

     

     

  • Chiropractic

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Naturopathy, Acupuncture, Osteopathy and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Naturopathy

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Acupuncture, Osteopathy and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Acupuncture

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Naturopathy, Osteopathy and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Osteopathy

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Naturopathy, Acupuncture and Complementary Therapies.

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Complementary Therapies

    Waiting period
    2 months

    Annual maximum per person
    $700 combined limit with Chiropractic, Naturopathy, Acupuncture and Osteopathy.

    Rollover maximum per person*
    N/A

    For examples of benefits paid, please refer to page 6 of our State Premiums & Benefits Guide

  • Speech Therapy

    Waiting period
    2 months

    Annual maximum per person
    $850

    Rollover maximum per person*
    $1700

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Occupational Therapy

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Eye Therapy

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Dietary

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Podiatry

    Waiting period
    2 months

    Annual maximum per person
    $700

    Rollover maximum per person*
    $1400

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Psychology

    Waiting period
    2 months

    Annual maximum per person
    $850

    Rollover maximum per person*
    $1700

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Ambulance

    Waiting period
    2 months

    Annual maximum per person
    Unlimited

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Pharmaceutical

    Available at any recognised pharmacy

    Waiting period
    2 months

    Annual maximum per person
    $600

    Rollover maximum per person*
    $1200

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • School Accident

    Waiting period
    2 months

    Annual maximum per person
    $500

    Rollover maximum per person
    N/A

    For examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

  • Health Appliances

    Doctor’s referral may be required for some appliances.

    Waiting period
    12 months

    Annual maximum per person
    Various limits apply. See below link.

    Rollover maximum per person
    N/A

    For annual maximums and examples of benefits paid, please refer to page 7 of our State Premiums & Benefits Guide

More info on Extras

Notes List Right