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.
Why compare health insurance with Finder?
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$93,001 to $108,000
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$144,001 and over
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*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
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Comparing quotes from 30+ funds...
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 is good if:
You want comprehensive cover.
You want to go with a not-for-profit.
Police Health is not great if:
You aren't eligible for a policy.
Review by our insurance and innovations editor Gary Ross Hunter.
What types of health insurance does Police Health offer?
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.
Why you can trust Finder's health insurance experts
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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.
Was this content helpful to you?
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To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 725 Finder guides across topics including:
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
