Top 3 features
- Good for anyone working in the medical community.
- Good for a top level of cover.
- Beware if you're after a lower level of cover and lower premiums.
Are you a medical professional? Or working in the wider medical community? Doctors Health Fund has private health cover for you. With a range of policies, the fund aims to provide the best health insurance for doctors, and the broader medical industry.
Doctors Health Fund was created by doctors to meet the health care needs of the wider medical community. Since 1977 it has offered a broad range of cover options and a selection of unique benefits to its members. Membership of the fund is open to current or former:
In addition, the partner, child, parent, sibling, grandchild, former partner or partner of an adult child of any of eligible members can also qualify for cover.
The fund offers products tailored to suit the unique needs of its members, with three levels of hospital cover and three levels of extras cover available. These can be taken out as standalone cover or paired together to offer a higher level of protection.
Doctors Health Fund has adopted the Private Health Insurance (PHI) Reforms introduced by the government on 1 April 2019. This includes new categorisation of hospital policies as Gold, Silver, Bronze or Basic; including 'plus' categories for any products that include services above the minimum requirement, and allowing people to choose a higher excess on hospital policies to reduce premiums.
Under new government reforms for private health insurance, insurers may now provide a discount for young people. Doctors Health Fund will give members the option for the discount, which is allowable between 2% and 10% per annum; depending on when a person purchases health insurance between the ages of 18 and 30. For couples and family policies, it will apply individually to the two adults on the policy.
Members will retain that discount until they turn 41, after which it reduces at 2% per annum until they are 45 years old.
Making a private health cover claim is simple and straightforward. For hospital cover claims, the hospital will usually send your bill straight to your health fund. Any excess or co-payment that applies to your policy will need to be made directly to the hospital.
For extras claims, many providers offer the ease and convenience of electronic claiming using the HICAPS system. All you need to do is swipe your membership card when it comes time to pay your treatment bill. If electronic claiming is not offered you can download a claim form from the Doctors Health Fund website, fill it out and submit it to the health fund along with your receipt.
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