03.Who can get it?
Another reason to check out restricted membership funds is their solid track record of satisfied members. In our 2012 survey, Teachers Health, Defence Health and CBHS all had significantly better member satisfaction for their hospital and extras cover than open funds.
CBHS was the best-rated fund, with 88% member satisfaction in hospital cover and 87% in extras cover. Hirmaa, the industry association for all restricted membership funds and some regional funds, has conducted its own survey with similar results. “We’re very confident hirmaa funds have much higher satisfaction rates than the bigger open funds,” says chief executive Ron Wilson.
ACA – Seventh-day Adventist Church employees www.acahealth.com.au/
CBHS – CBA group www.cbhs.com.au/
Defence Health – Defence community www.defencehealth.com.au/
Doctors’ Health Fund – Doctors and health practitioners http://www.doctorshealthfund.com.au/
Health Care Insurance – Forestry, timber and paper industries and contractors http://www.hciltd.com.au/
Navy Health – Defence community navyhealth.com.au/
Phoenix – OneSteel & associated companies www.phoenixhealthfund.com.au/
Police – NT, Qld, SA, Tas and WA police www.policehealth.com.au/
Railway and Transport – Transport and electricity www.rthealthfund.com.au/
Reserve Bank – Reserve Bank and Note Printing Australia employees www.myrbhs.com.au/
Teachers Health – Education union members www.teachershealth.com.au/
Transport Health – Transport industries www.transporthealth.com.au/
TUH – Education sector tuh.com.au/
For more information about their policies, see www.privatehealth.gov.au.