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Defence Health Health Insurance Policy Review
Find out if you can save with the help of Defence Health – compare cover and find the right policy.
Defence Health offers a range of health insurance options to more than 235,000 Australians with Defence connections as well as ADF members. With hospital and extras cover to suit everyone from the young and healthy to those who need comprehensive protection, it provides cover for those no longer serving as well as their family and relatives.
They offer memberships to the following people:
- Anyone who has previously served in the ADF, regardless of whether they served part-time or full-time, as well as their partners and children
- Anyone who works in the Department of Defence or a related department
- Anyone who currently works or has previously worked for a Defence supplier
- Anyone who is the extended family member of anyone listed above. This includes parents, children, siblings, grandchildren, ex-spouses and partners
- ADF Partners and families
- Active reservists (anyone serving in the Army Reserve, Air Force Reserve or Naval Reserve), their partners and families.
Permanent ADF members are not required to take out cover for themselves but can cover their partners and children.
Who is Defence Health?
Defence Health is a not-for-profit health fund with over 65 years of experience in the insurance industry. Defence Health is a member-owned health fund that is designed to serve the needs of the Defence community. Rather than being run to benefit shareholders or a big corporation, Defence Health is run in the interests of its members. This means it can offer affordable and competitive cover to Australians with Defence connections – no matter what their health insurance needs are.
What health insurance options are available?
- Ultimate Gold. If you want complete peace of mind when it comes to your health, this policy could be for you. It offers comprehensive cover for everything Medicare covers, including everything from joint reconstructions and heart services to pregnancy IVF and psychiatric services.
- Value Silver Plus. Value Silver Plus is Defence Health's mid-range offering and is designed for families who want a decent level of health cover but don't want to have to spend too much to get it. It includes the 26 clinical categories required for a Silver rating and cover for the cost of a range of procedures like joint investigations, colonoscopies, heart services, cancer treatments and more.
- Everyday Bronze Plus. This policy includes the 18 clinical categories required for a Bronze rating and is ideal for applicants who are young, fit and have no major health concerns.
- Essentials Basic Plus. This basic policy includes ambulance and accidents. If you want cover for a selection of basic hospital treatments or simply to avoid being hit with levies and loadings by the government, this policy is designed with you in mind.
- Premier Extras. This offers top-level extras protection for a range of general treatments including ambulance, preventative dental, general dental, major dental, orthodontics, optical, physio, chiropractic, antenatal and postnatal services, pharmacy and vaccinations, alternative therapies, exercise physiology, psychology, podiatry, speech therapy, occupational therapy, dietitian and more.
- Value Extras. This mid-range policy covers a similarly wide range of treatments but offers lower benefit limits than a Premier Extras policy. Features include comprehensive ambulance cover, no annual limit on general dental treatment, no-gap glasses deals and much more.
- Essential Extras. This option is designed to offer wallet-friendly cover on the general treatments you're most likely to use. This includes cover for general and preventative dental, ambulance treatment, optical, physio, travel vaccinations and alternative therapies.
ADF packages are for ADF members, their partners and families only:
- Total Package Gold Plus. The ADF Total package allows you to take advantage of a range of extras treatments with generous annual limits. It offers higher benefits on dental, speech therapy, physiotherapy, psychology, antenatal and postnatal services and more. As a result of national pricing, your premium stays the same no matter where you are posted.
- Essentials Package Basic Plus. The ADF Essentials Package is its entry level combined policy, which covers a limited range of hospital and extras treatments.
Information on tiers
The new classification system that has been introduced this year means that Defence Health have created a range of new policy options. Their hospital cover policies have adapted to the new requirements set out by the government, as well as new 'plus' categories which mean they exceed the minimum standards set out by the government.
Young people discount
As part of the government reforms, Defence Health now offer 18 - 29 year olds a discount of up to 10% when they take out their own hospital cover.
Everyday Hospital Bronze Plus provides a Youth discount for under 30s while covering you for a range of clinical treatments. If you're aged between 18 and 29 and sign up, you will receive the discount until you're 41.
- Dental & Optical Network. Available to all members with extras cover. Dental & Optical network gives members access to dental care at reduced fees, optical benefits and you can also receive no gap on preventive treatments.
- Health and Wellbeing Programs. Most members with combined hospital and extras cover have access the Defence Health's health and wellbeing benefits. This includes help to quit smoking and benefits paid for a range of health screening tests.
How to make a claim
In many cases, extras claims can be lodged and paid on the spot using electronic claiming; all you have to do is swipe your Defence Health membership card. For all other claims, you will need to claim through Defence Health's mobile claiming app on your smartphone or tablet, online through the member area of the Defence Health website, or by completing a claim form and emailing, faxing or mailing it back to Defence Health.
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