Compare Defence Health health insurance


Defence Health is a restricted-membership health fund for the Australian Defence Force and wider defence community.

Fund information


Defence Health summary

Defence Health eligibility

Is Defence Health nonprofit? 

Does Defence Health get many complaints from members? 

How good is Defence Health's gap cover? 

How many hospital agreements does Defence Health have in my state? 

Does Defence Health offer any discounts?

Does Defence Health offer ambulance cover?

Does Defence Health let you claim online or in-app?

What CHOICE Community says about Defence Health


Defence Health summary

Defence Health

Defence Health is a restricted-membership health fund for the Australian Defence Force and wider defence community. It's part of Members Own Health Funds, an alliance of nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Phone: 1800 335 425

Email: info@defencehealth.com.au

Website: defencehealth.com.au


Defence Health eligibility

Current or former members of the Australian Defence Force, reservists, civilian employees of Department of Defence (or related departments), employees of Defence contractors.

For further details see their website.


Is Defence Health nonprofit?

Yes.

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Does Defence Health get many complaints from members?

Defence Health complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

Defence Health accounts for...

2.0% of the health insurance market

0.9% of all complaints about benefit payments

0.5% of all complaints about service

0.2% of all complaints that are escalated to investigations.

How good is Defence Health's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Defence Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Defence Health gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Above average

Tasmania (Tas)

Above average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

Defence Health – 89.2%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Defence Health – 79.3%

Industry average – 76.7%

Victoria (Vic) 

Defence Health – 91.7%

Industry average – 85.0%

Queensland (Qld) 

Defence Health – 92.7%

Industry average – 85.1%

South Australia (SA) 

Defence Health – 90.7%

Industry average – 86.8%

Western Australia (WA) 

Defence Health – 88.2%

Industry average – 90.1%

Tasmania (Tas) 

Defence Health – 93.3%

Industry average – 83.0%

Northern Territory (NT) 

Defence Health – 88.5%

Industry average – 80.1%

How many hospital agreements does Defence Health have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Defence Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Defence Health has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

99 private hospital agreements out of an industry maximum of 100

90 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

52 private hospital agreements out of an industry maximum of 58

45 day hospital agreements out of an industry maximum of 53

SA

27 private hospital agreements out of an industry maximum of 27

26 day hospital agreements out of an industry maximum of 28

Tas

8 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

76 day hospital agreements out of an industry maximum of 79

WA

20 private hospital agreements out of an industry maximum of 23

24 day hospital agreements out of an industry maximum of 29

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Does Defence Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None


Does Defence Health offer ambulance cover?

All Defence Health extras, hospital and combined policies have emergency ambulance cover.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does Defence Health let you claim online or in-app?

Can claim online for general dental, some major dental, physiotherapy, chiropractic, osteopathy, podiatry, alternative therapies, psychology, dietician, optical, occupational therapy and speech therapy. Members can also claim via an app (iOS and Android) for all extras.


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What CHOICE Community says about Defence Health

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Defence Health to share your experiences or gain more insights into this health fund.