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Compare Doctors' Health Fund health insurance

How Doctors' Health Fund rates for member complaints, gap cover and ambulance.

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CHOICE staff
CHOICE staff

Doctors' Health Fund summary

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


Who can join Doctors' Health Fund?

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

For more details see their website.

Is Doctors' Health Fund nonprofit?

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

Does Doctors' Health Fund get many complaints from members?

Doctors' Health Fund complaints rating: Low

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

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

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.

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%

Youth discounts: Offered on some Bronze Plus and Gold policies; these are transferable (you can transfer a discount from another fund to one of these policies.)

Does Doctors' Health Fund offer ambulance cover?

All Doctors' Health Fund extras, hospital and combined policies have emergency 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.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.