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Compare Defence Health health insurance

How Defence Health rates for member complaints, gap cover and ambulance.

Defence Health

Defence Health summary

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



Who can join Defence Health?

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?


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.

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.

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.

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.

Does Defence Health offer family policies that cover adult children?

Yes, adult children are covered up to age up to age 21 and up to age 25 if in full-time study and not living with a partner.

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, dietitian, optical, occupational therapy and speech therapy. Members can also claim via an app (iOS and Android) for all extras.

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