About hospital and extras insurance for the ADF

Private health insurance comes in two forms, hospital cover and extras cover. Depending on your needs you can purchase both or just one. 

Hospital 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 

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.

Our products 

We offer great value ADF packages that combine hospital and extras. Or you can choose from a range of hospital covers and extras covers that can be mixed and matched to meet your needs. 

Exclusive ADF packages 

Our ADF Total Package Gold and ADF Essentials Package Basic Plus are just for ADF members (permanent SERCAT 6-7, and reservist SERCAT 3-5), their partners and families. These packages are our best value for money options and there is choice in the level of protection they offer.  

Special prices on mix and match range

All ADF members get special pricing for our mix and match hospital and extras covers, just in case the ADF packages don’t meet your needs.

Hospital cover 

We have hospital covers in all tiers, Ultimate Hospital Gold, Advantage Hospital Silver Plus, Core Hospital Silver Plus, Everyday Hospital Bronze Plus and Essentials Hospital Basic Plus. The level you choose determines the number and types of procedures and services you’re covered for. The higher your level of cover, the more you’ll be covered for. 

Extras cover 

We offer three levels of extras cover - Premier, Value and Essentials. The higher your level of cover, the more services you’ll be covered for and the lower your out-of-pocket expenses will be.

As well as an optical networks that deliver great value and lower out-of-pockets, we also offer extra flexibility through flexi-limits. This means you can claim more of your favourite treatment. It can be claimed across the range of flexi-treatment categories, or you can choose to use it on your favourite service. So you can choose how you spend it


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