Defence Health Limited extras health insurance

Compare tailored extras cover for members of the ADF from Defence Health.

Defence Health Limited has spent decades serving the Australian Defence Force, defence industry and their extended families by offering high quality, cost-effective healthcare.

You are eligible to join this health fund if you:

  • Are a currently serving ADF member, or reservist who trains or serves 20 or more days a year.
  • Have previously served in the ADF
  • Currently work, or have previously worked in the Department of Defence and other related departments
  • Have worked for a defence supplier, or a company contracted by the Department of Defence, where you were involved in the supply of defence goods or services

You can also join if you’re part of the extended family. This includes partners, children, siblings, former spouses or partners, or grandchildren of any of the above.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

What kind of extras cover is available?

The three extras health plans are Premier Extras, Value Extras and Essentials Extras.

EssentialsValuePremier
Ambulance treatmentUnlimitedUnlimitedUnlimited
Preventative dental$500 combined dental limitUnlimitedUnlimited
General dental$500 combined dental limitUnlimitedUnlimited
Major dentalSurgical extractions only$900$1,100
Orthodontics
  • no
$800$1,000
Optical$170$255$300
Alternative therapies$200$300$400
Medical aids and devices
  • no
$1,000$1,500
School accidents
  • no
$600$800
Laser eye surgery
  • no
  • no
$1,500, claimable once every 2 years
Health and wellbeing
  • no
$100$180
Flexi-limits cover$450$1,100$1,500

This lets you get more out of your cover by claiming a wide range of procedures against the same generous limits.

EssentialValuePremier
Total limit$450$1,100$1,500
Initial consultation reimbursementSet amountSet amountUnlimited, 100%
Physiotherapy and hydrotherapy
  • yes
  • yes
  • yes
Chiropractic/osteopathy
  • yes
  • yes
  • yes
Antenatal and postnatal
  • no
  • yes
  • yes
Pharmacy and vaccinations
  • no
  • yes
  • yes
Travel vaccinations
  • yes
  • yes
  • yes
Exercise physiology
  • yes
  • yes
  • yes
Psychology
  • no
  • yes
  • yes
Podiatry/chiropody
  • no
  • yes
  • yes
Occupational therapy
  • no
  • yes
  • yes
Speech therapy
  • no
  • yes
  • yes
Eye therapy
  • no
  • yes
  • yes
Dietician
  • no
  • yes
  • yes
Audiology
  • no
  • yes
  • yes

Picking a plan

  • Essentials: This affordable plan contains some of the most popular and useful extras, while still letting you claim money back for travel vaccinations and other practical but less commonly-used benefits. This cost-effective plan might be right for people who don’t have any particular health issues that might need medical aids, or don’t have children and therefore don’t want the benefits of school accident cover.
  • Value: A balance of cost and cover from this plan means it might be a good choice for many people. It delivers wide-ranging cover and includes benefits that might prove invaluable if something happens. However, the lower limits mean it might not be suitable for people with chronic health issues, or who otherwise know they’ll be claiming a lot of benefits.
  • Premier: The high limits and expansive cover of this policy mean it might be the optimal choice for people who are getting older and entering the age of ongoing health issues, or simply want the utmost protection. With cover for laser eye surgery and 100% back on initial flexi-limits consultations there are a lot of ways to make use of this option.

Are there any additional benefits?

  • Recognition of already-served waiting periods: If you transfer to Defence Health from another fund where you had equivalent benefits, any waiting periods served under your previous cover will be honoured.
  • Flexi-limits cover: The unique Defence Health flexi-limits cover means you can make full use of treatments as needed instead of including cover without knowing whether you’ll ever need it.
  • School accident cover: Another uniquely useful benefit from Defence Health, this no-waiting-period benefit means you can claim gap expenses, up to the specified amounts, relating to school accidents your children might experience.
  • Laser eye surgery: Claimable every two years, this rare extra inclusion lets you make sure your eyes stay in top shape without needing to wear glasses or contact lenses.
  • Online account management: Stay on top of your current extras limits and make sure you’re getting value by checking your extras cover status online.
  • Health and wellbeing: Only available when you also take out hospital cover, this benefit lets you claim expenses up to the annual limits for approved health tests and programs. This includes bowel screening, kidney checks, mole mapping, bone density tests, mammograms, specialist eye tests, quit smoking programs and nicotine replacement therapies.
  • Defence Health app: This app can make it easier to claim, and easier to make full use of your extras cover.
  • One free kids’ mouthguard per year. When custom-fitted by a dentist, and when you have a Value or Premier extras policy.
  • Additional dental and optical benefits: Defence Health gives members a range of advantages, such as guaranteed maximum costs for select dental procedures, free tinting and coatings on prescription eyewear from partnered providers and more.

Limitations, exclusions and waiting periods

You cannot make claims before the end of the waiting periods. These are:

  • None: School accidents and ambulance cover.
  • 2 months: All extras not otherwise specified.
  • 12 months: Orthodontics, major dental, refractive laser eye surgery, some medical appliances.

The amount you can claim per service depends on your chosen level of cover, as well as the nature of the service. Instead of only giving a set percentage back, Defence Health generally reimburses you a flat amount per item, meaning you’re able to predict your expenses more easily, and can take advantage of your extras cover without any out-of-pocket expenses which you might inevitably have with other health funds.

However, certain services are not claimable under Defence Health extras policies:

  • Items that may be payable by another third party or compensation scheme
  • PBS pharmaceuticals
  • Treatments claimed through Medicare
  • Services carried out by unapproved or non-accredited providers

How to claim

There are a number of ways to claim. The easiest is generally to download and use the Defence Health app, as you can make claims this way wherever you are, and even if your provider doesn’t have the facilities to process an electronic payment card.

Similarly, you can sign in to your online Defence Health account in order to make claims after paying for treatments.

Alternatively, you can swipe your membership card on a terminal where available, to automatically make a claim against your extras cover, and simply pay any difference yourself.

Some items, such as medical aids, may require you to fill out and send in a claims form, with the appropriate sections filled in by your service provider or doctor.

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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2 Responses

  1. Default Gravatar
    KayeMay 29, 2017

    Is hypnosis covered under well being and hair pulling out disorder?

    • Staff
      JonathanMay 31, 2017Staff

      Hi Kaye!

      Thanks for the comment.

      Some health insurers may provide coverage for hypnosis and other specified disorders under “Extras Cover”. You may get the list from this page.

      Take note that some insurers have their respective definitions of each disorder and “cooling off period”, so it’s important to talk this with them directly.

      Hope this helps.

      Cheers,
      Jonathan

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