Health Insurance for Defence community

Why you're better off with private health insurance

With private health insurance you get the treatment you need, when you need it. Avoid the lengthy queues in the  public health system and get timely treatment from a doctor of your choice in one of the hundreds of private hospitals around Australia.

Private health insurance comes in two forms: hospital cover and extras cover.

Hospital cover provides hospital accommodation, theatre fees, intensive care and Medicare-recognised treatments. It also pays a valuable contribution towards the cost of the medical practitioners treating you in hospital.

Extras cover provides benefits on the services not covered by Medicare - such as dental, optical and physio. This gives you money back on important everyday health services.

Private health insurance gives you the choice and peace of mind you and your family deserve.

Peace of mind

Manage the costs of hospital admissions and medical treatment and get access to the best care when you need it.

Choose your care

The doctor, specialist and the hospital you’re treated in are all selected by you.

Skip the queues

Avoid public hospital waiting lists and get the treatment you need sooner.

Get money back on extras

When you visit dentists, physios, optometrists and others, we'll cover some of the costs.

Avoid the Lifetime Health Cover loading

Take out hospital cover when you're young to avoid paying a Lifetime Health Cover loading when you're older.

Avoid government surcharges

Higher income earners can avoid paying the Medicare Levy Surcharge by taking out hospital cover.

Ambulance cover anywhere

Comprehensive cover for clinically required ​​ambulance services by state-appointed ambulance providers across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulance services. Patient transport services are not ambulance services and are not claimable.