Compare Doctors' Health Fund health insurance


Doctors' Health Fund was established in 1977 to provide health insurance for healthcare professionals and their families.

Fund information


Doctors' Health Fund summary

Doctors' Health Fund eligibility

Is Doctors' Health Fund nonprofit? 

Does Doctors' Health Fund get many complaints from members? 

How good is Doctors' Health Fund's gap cover? 

How many hospital agreements does Doctors' Health Fund have in my state? 

Does Doctors' Health Fund offer any discounts?

Does Doctors' Health Fund offer ambulance cover?

Does Doctors' Health Fund offer family policies that cover adult children?

Does Doctors' Health Fund let you claim online or in-app?

What CHOICE Community says about Doctors' Health Fund


Doctors' Health Fund summary

Doctor's Health Fund

Doctors' Health Fund was established in 1977 to provide health insurance for healthcare professionals and their families. This fund is for people who are: a registered medical or health practitioner, person studying to become a medical or health practitioner, overseas qualified doctor registered for AMC exams, employee of a medical or health practitioner, employed in any role by a federal or state Australian Medical Association, employed in any role by an association whose members are medical or health practitioners, an officer or employee of Avant Insurance Limited or Avant Law Pty Ltd or the family members of those mentioned.

Phone: 1800 226 126

Email: info@doctorshealthfund.com.au 

Website: doctorshealthfund.com.au


Doctors' Health Fund eligibility

Current or former doctors and some health practitioners, their employees, members of the AMA and medical students.

For further details see their website.


Is Doctors' Health Fund nonprofit?

No, but it's owned by Avant, a mutual nonprofit insurer.

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Does Doctors' Health Fund get many complaints from members?

Doctors' Health Fund 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.

How good is Doctors' Health Fund'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 Doctors' Health Fund 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.

Doctor's Health Fund gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Above average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Above average

Tasmania (Tas)

Average

Northern Territory (NT)

Average

Percentage of medical services covered with no gap

New South Wales (NSW)

Doctors' Health Fund – 92.1%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Doctors' Health Fund – 88.7%

Industry average – 76.7%

Victoria (Vic) 

Doctors' Health Fund – 93.7%

Industry average – 85.0%

Queensland (Qld) 

Doctors' Health Fund – 94.4%

Industry average – 85.1%

South Australia (SA) 

Doctors' Health Fund – 92.8%

Industry average – 86.8%

Western Australia (WA) 

Doctors' Health Fund – 89.1%

Industry average – 90.1%

Tasmania (Tas) 

Doctors' Health Fund – 93.3%

Industry average – 83.0%

Northern Territory (NT) 

Doctors' Health Fund – 76.1%

Industry average – 80.1%

How many hospital agreements does Doctors' Health Fund 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 Doctors' Health Fund 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.

Doctors`s Health Fund 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

100 private hospital agreements out of an industry maximum of 100

89 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

53 private hospital agreements out of an industry maximum of 58

48 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

5 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

75 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

23 day hospital agreements out of an industry maximum of 29

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Does Doctors' Health Fund offer any discounts?

Discount for direct debit: None

Discount for annual prepay: 2.5%

Total discount for annual prepay via direct debit: 2.5%


Does Doctors' Health Fund offer ambulance cover?

All Doctors' Health Fund 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 Doctors' Health Fund offer family policies that cover adult children?

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


Does Doctors' Health Fund let you claim online or in-app?

Can claim online or via an app (iOS and Android) for all services.


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What CHOICE Community says about Doctors' Health Fund

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