Compare Police Health health insurance


A restricted membership health fund for employees of police departments and unions and their eligible family members.

Fund information


Police Health summary

Police Health eligibility

Is Police Health nonprofit? 

Does Police Health get many complaints from members? 

How good is Police Health's gap cover? 

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

Does Police Health offer any discounts?

Does Police Health offer ambulance cover?

Does Police Health offer family policies that cover adult children?

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

What CHOICE Community says about Police Health


Police Health summary

Police Health

Police Health is a restricted access health insurer for employees of state, territory or federal police departments and police unions. In addition, all former employees of South Australia Police are able to join Police Health, as are former employees of other police services, unions and associations in Australia who resigned on or retired after 1 January 2001. Eligibility also extends to: partners, including spouse or de facto, former partners, dependent and adult children (including the partners and dependent children of the adult children). It is 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 603 603

Email: enquiries@policehealth.com.au 

Website: policehealth.com.au


Police Health eligibility

Federal, state and territory police or police union employees, and police employees who retired after 2000.

For further details see their website.


Is Police Health nonprofit?

Yes.


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Does Police Health get many complaints from members?

Police Health 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 Police 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 Police 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.

Police Health 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)

Average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

Police Health – 91.0%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Police Health – 83.5%

Industry average – 76.7%

Victoria (Vic) 

Police Health – 88.7%

Industry average – 85.0%

Queensland (Qld) 

Police Health – 88.9%

Industry average – 85.1%

South Australia (SA) 

Police Health – 91.8%

Industry average – 86.8%

Western Australia (WA) 

Police Health – 84.3%

Industry average – 90.1%

Tasmania (Tas) 

Police Health – 93.0%

Industry average – 83.0%

Northern Territory (NT) 

Police Health – 85.8%

Industry average – 80.1%

How many hospital agreements does Police 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 Police 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.

Police 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

97 private hospital agreements out of an industry maximum of 100

92 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

51 private hospital agreements out of an industry maximum of 58

46 day hospital agreements out of an industry maximum of 53

SA

26 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

8 private hospital agreements out of an industry maximum of 8

4 day hospital agreements out of an industry maximum of 6

Vic

77 private hospital agreements out of an industry maximum of 79

77 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 Police Health offer any discounts?

Discount for direct debit: 2.75%

Discount for annual prepay: 3%

Total discount for annual prepay via direct debit: 3%


Does Police Health offer ambulance cover?

All Police 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 Police Health offer family policies that cover adult children?

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


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

Can claim via an app.


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What CHOICE Community says about Police Health

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