Insurance for singles and couples

Looking for health cover for more than just the basics?

Everyday Hospital Bronze Plus is perfect for singles and couples. You can choose a $750 excess for an even lower premium and if you’re aged 18–29 you could save up to 10% with the Youth discount.

Do you turn 31 before 1 July? Get Everyday Hospital Bronze Plus before 1 July and avoid the Lifetime Health Cover Loading (LHC).  You can even mix and match our great value extras with your hospital cover!

 

 

Why you’re better off with Defence Health

  • Reduced fees at network dentists
    With extras cover you’ll save a minimum of 15% off the usual dental fee at nearly 2,000 network dentists throughout Australia.
  • No-gap glasses
    With extras cover you can choose from a wide range of no-gap glasses from our optical network, at over 800 providers around the country.
  • Flexible extras on flexi-limits
    Flexi-limits include a range of extras treatments under one overall limit. It can be used across the range of included treatments, or you can choose to use it all on your favourite included treatment.
  • 100% emergency ambulance cover
    Every policy includes 100% cover for state-appointed ambulance services across Australia. There’s no need for a separate subscription and no limit on the number of times you can use the ambulance when needed. Patient transport vehicles are not ambulance services and are not covered.
  • You could avoid Government taxes and loadings
    The Australian Government has a number of initiatives to encourage people to take out private health insurance.There are benefits for taking out cover and penalties if you don’t take out cover depending on things like your age, income and when you first take out cover.
  • We're for family, not for profit
    Because we’re not-for-profit, we’ve got more for members. Member contributions stay in the fund for the benefit of all members, so we can give more back to members in benefits and we focus on keeping premiums low.
  • Mix and match hospital and extras cover for your needs
    You can mix and match our hospital and extras products to create the perfect cover for your stage of life.
  • Get more back in benefits
    In 2018, 94 cents of every premium dollar went back to members in benefits. That’s because we don’t have shareholders, so your premiums stay in the fund.
  • Manage your membership online 24/7
    With Online Member Services, it is easy to view your cover, claim on selected Extras, view your limits, download your tax statement, update your details and more.

Learn more about cover for young, fit and healthy singles and couples

We recommendEveryday Hospital Bronze Plus & Essentials Extras

Affordable hospital cover for a broad range of services with some exclusions plus budget-friendly cover on the basic extras services most people use.

If you’re aged 18-29 you can receive a Youth discount of up to 10% on Everyday Hospital Bronze Plus. Discount will apply automatically when you enter your age in 'personalised quote' or 'join now'. 

The product guide provides details of what is and is not covered, including any waiting periods, benefit limits and pre-existing conditions, exclusions, restrictions and excesses. Please read these carefully and retain.

  • Hospital Features
    Features Covered
    Tonsils, adenoids and grommets
    Hernia and appendix
    Dental surgery
    Bone, joint and muscle
    Joint reconstructions
    Gastrointestinal endoscopy
    Rehabilitation
    Palliative care
    Hospital psychiatric services
    Chemotherapy, radiotherapy and immunotherapy for cancer
    Brain and nervous system
    Kidney and bladder
    Diabetes management (excluding insulin pumps)
    Skin
    Male reproductive system
    Gynaecology
    Miscarriage and termination of pregnancy
    Eye (not cataracts)
    Ear, nose and throat
    Breast surgery (medically necessary)
    Pain management
    Digestive system
    Heart and vascular system
    Lung and chest
    Blood
    Insulin pumps
    Pregnancy and birth
    Back, neck and spine
    Podiatric surgery (by a registered podiatric surgeon)
    Plastic and reconstructive surgery (medically necessary)
    Implantation of hearing devices
    Pain management with device
    Sleep studies
    Weight loss surgery
    Assisted reproductive services
    Cataracts
    Dialysis for chronic kidney failure
    Joint replacements
    All other services recognised by Medicare
    Chronic care programs
    Hospital substitute programs
    Treatment not recognised by Medicare incl. most cosmetic surgery
    Midwifery (confinement and delivery)
    Home nursing
  • Extras Features
    Features Covered
    General and preventive dental
    Up to $500
    Major dental
    Only surgical extractions covered
    Orthodontics
    Optical
    Up to $170
    Health and wellbeing
    Up to $200
    Laser refractive eye surgery
    School accidents
    Medically prescribed appliances
    Flexi-limit
    Up to $450
    Physiotherapy (including hydrotherapy)
    Chiropractic/Osteopathy
    Antenatal and postnatal services
    Exercise physiology
    Psychology
    Speech therapy
    Occupational therapy
    Podiatry/chirpody
    Audiology
    Eye therapy
    Dietitian
    Pharmacy and vaccinations
    Travel vaccinations

You might like to considerEveryday Hospital Bronze Plus & Value Extras

Affordable hospital cover for a broad range of services with some exclusions plus a wide range of extras cover with great annual limits at a value for money price.

If you’re aged 18-29 you can receive a Youth discount of up to 10% on Everyday Hospital Bronze Plus. Discount will apply automatically when you enter your age in 'personalised quote' or 'join now'.

The product guide provides details of what is and is not covered, including any waiting periods, benefit limits and pre-existing conditions, exclusions, restrictions and excesses. Please read these carefully and retain.

 

  • Hospital Features
    Features Covered
    Tonsils, adenoids and grommets
    Hernia and appendix
    Dental surgery
    Bone, joint and muscle
    Joint reconstructions
    Gastrointestinal endoscopy
    Rehabilitation
    Palliative care
    Hospital psychiatric services
    Chemotherapy, radiotherapy and immunotherapy for cancer
    Brain and nervous system
    Kidney and bladder
    Diabetes management (excluding insulin pumps)
    Skin
    Male reproductive system
    Gynaecology
    Miscarriage and termination of pregnancy
    Eye (not cataracts)
    Ear, nose and throat
    Breast surgery (medically necessary)
    Pain management
    Digestive system
    Heart and vascular system
    Lung and chest
    Blood
    Insulin pumps
    Pregnancy and birth
    Back, neck and spine
    Podiatric surgery (by a registered podiatric surgeon)
    Plastic and reconstructive surgery (medically necessary)
    Implantation of hearing devices
    Pain management with device
    Sleep studies
    Weight loss surgery
    Assisted reproductive services
    Cataracts
    Dialysis for chronic kidney failure
    Joint replacements
    All other services recognised by Medicare
    Chronic care programs
    Hospital substitute programs
    Treatment not recognised by Medicare incl. most cosmetic surgery
    Midwifery (confinement and delivery)
    Home nursing
  • Extras Features
    Features Covered
    General and preventive dental
    Up to $900
    Major dental
    Up to $900
    Orthodontics
    Up to $800
    Optical
    Up to $255
    Health and wellbeing
    Up to $300
    School accidents
    Up to $600
    Medically prescribed appliances
    Up to $1000
    Flexi-limit
    Up to $900
    Physiotherapy (including hydrotherapy)
    Chiropractic/Osteopathy
    Antenatal and postnatal services
    Exercise physiology
    Pyschology
    Speech therapy
    Occupational therapy
    Podiatry/chiropody
    Audiology
    Eye therapy
    Dietitian
    Pharmacy and vaccinations
    Travel vaccinations
You're better off with private health insurance

You're better off with private health insurance

As well as covering you for the essentials, all our hospital covers can help you avoid Government taxes and loadings.

  • If you are 30 or over and don't have hospital cover you may have a Lifetime Health Cover loading 
  • The Medicare Levy Surcharge is an additional tax on high income earners who don't have hospital cover
  • The Australian Government also provides a rebate to make health insurance more affordable, the rebate amount is based on the age of the oldest person covered by the policy and is income tested
Can you join Defence Health?

Can you join Defence Health?

Over 290,000 Australians are with Defence Health. You qualify to join if:

    • You're the grandchild, son, daughter, sister, brother, ex-spouse or partner of a serving or ex-serving member of the Australian Defence Force 
    • You or a family member listed above works or has worked in the Department of Defence and other Defence-related departments
    • Anyone who works or has worked for a Defence supplier - a company or agency contracted to the Department of Defence, where you are or were involved in the supply of goods and services to Defence
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You can join Defence Health if you recognise yourself in one or more of the groups below.

Past service

  • All those who have previously served in the ADF (full-time or part-time) and their partners and children

ADF supporters

  • Anyone who works or has worked in the Department of Defence and other Defence-related departments
  • Anyone who works or has worked for a Defence supplier - a company or agency contracted to the Department of Defence, where you are or were involved in the supply of goods and services to Defence

Extended families

  • You are the mum or dad, son or daughter, sister or brother, grandchild or ex-spouse/partner of a serving or ex-serving member of the ADF or of an ADF supporter (described above)

Getting a quote is quick and easy - 

Partners and dependent kids of ADF members (permanent SERCAT 6-7, and reservist SERCAT 3-5) can all join Defence Health. We have specially designed cover options more relevant to your needs.

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