For those working in the police force, Police Health provides attractive service benefits on their Rollover Extras Cover, with 80% back for most claims. Plus, they allow you to roll over your service benefit amounts to the next calendar year if you don't use them.
Top 3 features
- Good for current and former law enforcement employees after comprehensive cover.
- Good for rolling over your service benefit amounts if unused in a year.
- Beware if you're looking for budget cover, or aren't related to someone in law enforcement.
Police Health's one Extras Cover policy is called Rolling Extras. It gives you 80% back on most benefits across an extensive range of health services. It's designed exclusively for the needs of policing community. And the best feature is that as Australia's only insurance group to offer a benefit rollover, you don't have to stress about when to use your benefits by - many services and their unused annual maximum benefits will just roll into the next calendar year.
Rolling Extras covers;
- General dental
- Major dental
- Exercise physiology
- Complementary therapies
- Speech therapy
- Occupational therapy
- Eye therapy
- School accidents
- Health appliances
In addition to the regular benefits of their health plans, Police Health offer the following to their members:
- Referral bonus. If you refer an eligible person to sign up to Police Health, you'll both receive a $50 gift card.
- Extra optical discounts. The 80% refund you get on optical items increases to 100% at partnered outlets OPSM and Laubman & Pank.
Police Health pays 80% of the cost for the majority of services provided by recognised providers. Claims are limited to one service consultation per person per day.
While Police Health does have an Annual Maximum benefit per service, you can rollover some of this benefit to the next year if it goes unused. The combined Annual Maximum and the Rollover Benefit is known as the Rollover Maximum and is available after 12 months membership with extras cover, except Major Dental which requires 2 years of membership.
Exclusions apply. You cannot claim for:
- Elective ambulance transport: This is pre-booked non-emergency transport between locations such as hospitals and nursing homes.
- Any overseas items: You cannot claim services received or items purchased overseas, even when buying online from within Australia.
- Multiple sessions per day: You can only claim for one treatment per provider on the same day. For example, if you have an initial and follow-up service on the same day then you can only claim for one of them.
- Unrecognised practitioners: You can only claim for services received from providers that are recognised by Police Health.
- Services within the relevant waiting periods: The applicable waiting period must have elapsed before you can make a claim.
Waiting periods apply as follows:
- 12 months: Major dental, orthodontic, health appliances.
- 2 months: Everything else.
You can make claims on the spot simply by swiping your Police Health membership card with providers that have electronic health claim terminals.
For certain services (such as health aids) which may require a doctor's recommendation, you might need to send in a claims form instead.