Is Police Health Insurance not-for-profit?

Yes, Police Health Insurance is a not-for-profit, meaning it reinvests its earnings back into the fund.

How do I make a claim with Police Health Insurance?

Extras claims are easy to make at providers with the right facilities, requiring you only to swipe your membership card to claim your benefit. Other claims can be made through the Police Health app, or by emailing or mailing a claim form with the appropriate supporting documents and evidence to Police Health.

Who can join Police Health insurance?

Police Health is a restricted-access health fund for current, retired or former Australian police officers and police employees, and their family members (parents, children, grandchildren, siblings and current or former partners). Current, retired or former employees and volunteers of police unions and associations can also join.

Does Police Health insurance include ambulance cover?

Yes. All Police Health insurance policies include cover for ambulance transportation.

Police Health Insurance Review

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Police Health is only available to the policing community: current, retired or former police officers and police employees and their families, plus employees and volunteers of police unions and associations.
Unused extras benefits can roll over to the following calendar year.
The fund scores above average for ombudsman metrics, like member retention and benefits paid.

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, retired or former Australian police officer or police employee, or a family member of one, you're eligible to join. Current, retired or former employees and volunteers of police unions and associations can also join.

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 can be used in the following calendar year.
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

Hospital icon

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.

Extras icon

Extras coverage

Rolling Extras. This plan provides 80% benefits on most extras services you're likely to use, including chiropractic, general and major dental, optical, physiotherapy, acupuncture, osteopathy, a range of therapies, pharmaceuticals and more. Unused benefits roll over to the following calendar year.

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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

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Police Health Insurance information page
2. Police Health Insurance information PDF

Thank you for your feedback!

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

Written by

Gary Ross Hunter

Journalist

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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 521 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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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.