Police Health Insurance review

Police Health could be good if you want roll-over extras benefits and nearly unrestricted hospital cover. Also if you're a police officer - that's an important bit too.

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By

Gary Ross Hunter

Edited by

Tim Bennett

Updated

Fact checked
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Our Verdict: Police Health

Police Health is a restricted-access health fund for people with connections to the police force. If you're a current or retired Australian police officer, or the family member of one, you're eligible to subscribe to its policies.

Police Health scores above average for the key metrics tracked by the private health insurance ombudsman (combined with Emergency Services Health Insurance, which is run by Police Health,). This includes the percentages of premiums returned as benefits, complaints, member retention and more.

Pros

  • Unused extras limits are useable in the following calendar year, something that isn't offered by other health funds.
  • Good for receiving benefits at any recognised hospital in Australia – no need to worry about whether it's part of a network or not.

Cons

  • Beware if you aren't eligible to join Police Health Insurance. It isn't available to everyone.

What types of health insurance does Police Health offer?

Hospital
Extras
Combined

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Hospital coverage

Police Health only offers a single type of insurance in each category, each one a Gold tier in the new classification system:

  • Gold Hospital. This is premium-level cover, covering all procedures you are likely to undergo in hospital, while allowing you to pick your hospital and provider. It has no excess, no co-payment, and 100% cover for emergency ambulance transport. There are also zero exclusions on treatments covered, within the bounds of the Private Health Insurance Act 2007.

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Combined coverage

  • Gold Combined. This combined hospital and extras cover brings together the benefits of both Gold Hospital and Rolling Extras at a reduced premium, including the roll over of unused benefits to the next calendar year. It also adds some benefits for laser eye surgery.

Police Health frequently asked questions

Sources

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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
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Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 576 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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