Download product summary
Your premium has been reduced by choosing Top Hospital with a $250 excess for singles and a $500 excess for couples, families and single parent families. The excess applies to same day procedures as well as overnight admissions. It is payable once only per policy, per financial year on an adult admission to hospital. No excess is payable on hospital admissions for dependent children.
Note: If you choose to be treated in a non-agreement private hospital you will incur out-of-pocket expenses.
Defence Health offers a range of programs and services to help look after your health and wellbeing outside of hospital. These services are made available to members if they are assessed as clinically appropriate for them.
Our chronic disease management programs are designed for members who have had a hospital admission relating to coronary artery disease.The programs provide telephone-based support that is focussed on keeping your recovery on track. The program coordinators work with your treating practitioner to ensure the support supplements your existing health treatment.
Defence Health will pay up to $1,800 per person per financial year (payable at $70 per day) for home nursing provided as an alternative to hospitalisation. The service must be provided by a registered nurse in private practice and certified by a medical practitioner.
Defence Health has agreements with a number of health care providers to deliver certain services in your home. Such services include wound management, intravenous therapy, administration of blood products and ambulatory sleep studies. We cannot guarantee that a participating provider will be available in your area.
We will pay up to $1,000 for midwife attendance at delivery and up to $500 per person per financial year for pre and post-natal visits ($40 per pre-natal visit and $80 per post-natal visit). Your midwife must be registered and in private practice.
Midwifery benefits are not payable for hospital births. If a doctor is required to intervene in the delivery, benefits will be payable for the doctor’s in-hospital treatment instead.
Defence Health hospital products are not suitable for non-residents without full Medicare entitlements. This includes overseas visitors from countries with Australian Government reciprocal health care arrangements.
Standard Extras provides benefits on a select range of general health care services. Click any of the links below to view the benefit detail.
Defence Health has set benefits for individual dental services. Some services are not payable in combination with others. Some are limited by the number of times they attract a benefit per year. Others may not attract a benefit at all.
General dental includes items related to general oral health - check-ups, scale & clean, simple fillings etc.
Major dental includes crowns & bridgework, oral surgery, periodontics, endodontics, orthodontics and other specialised dental procedures.
$400 per person
2 months for general dental
12 months for major dental
If you are planning extensive treatment, ask your dentist for the item numbers and costs, then call us for a quote.
$150 per person
In addition, by using our Optical Network, Specsavers provides free sun tint with UV on the first pair of glasses and free digital retinal photography. VSP Neighbourhood Eyecare provides free UV coating on the first pair of glasses. At both providers members are eligible for discounts on optical purchases and other lens options. Visit specsavers.com.au or vsp-australia.com.au to find your nearest store.
Benefits at non-network providers are as follows:
Physio benefits are also paid for hydrotherapy treatment
$450 per person
$1,000 per family
$250 per person
Defence Health provides a benefit for non-PBS pharmaceuticals - including travel vaccinations. The benefit payable is the difference between the prescription amount and the current PBS fee.
Know your limits
Most of the goods or services claimable under extras cover have annual per person limits. Some categories may include family maximums. Limits are re-set on 1 July each year. Once the annual limit has been reached, no further benefits are payable for those services until the next financial year. All services must be provided by an approved practitioner in private practice. Benefits are only payable on goods or services purchased in Australia and only where Medicare benefits are not payable.
This information is current as at 1 April 2014 and effective through to 31 March 2015. It replaces all earlier versions. Please read it carefully.