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Finder doesn't currently have access to this health insurance brand. You might want to consider other options available on the health insurance homepage.
Pros
Good for anyone who values their extras. 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.
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Police Health Insurance: Our verdict
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 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.
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
Yes, Police Health Insurance is a not-for-profit, meaning it reinvests its earnings back into the fund.
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.
Police Health is a restricted-access health fund for current or retired Australian police officers, or family members of one.
Yes. All Police Health insurance policies include cover for ambulance transportation.
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary holds a Tier 1 General Insurance (General Advice) certification and is passionate about helping Aussies understand their policies so that they can get better value for their money.
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