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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 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
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
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 Ross Hunter is 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, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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