Police Health hospital cover review

Make your private insurance choice easy with Police Health's comprehensive Gold Hospital policy.

Police Health is a restricted health fund for people who work in law enforcement. As a restricted, not-for-profit health fund it can reinvest more back to its members, and you'll have the peace of mind knowing you have top cover.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
Top 3 features
  1. Good for police officers and their families.
  2. Good for receiving benefits at any recognised hospital in Australia - no need to worry about whether it's part of a network or not.
  3. Beware if you aren't eligible to join Police Health Insurance. It isn't available to everyone.

What does Police Health Hospital cover you for?

Police Health offers one comprehensive Hospital Cover option, called Gold Hospital. There's no excesses, co-payments, exclusions or benefit limitation periods. It covers all 38 clinical categories, listed below, at a hospital of your choice;

  • Assisted reproductive services
  • Back, neck and spine
  • Blood
  • Bone, joint and muscle
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts dental surgery
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Dental surgery
  • Diabetes management (excluding insulin pumps)
  • Dialysis for chronic kidney failure
  • Digestive system
  • Ear, nose and throat
  • Eye (not cataracts)
  • Gastrointestinal endoscopy
  • Gynaecology
  • Heart and vascular system
  • Hernia and appendix
  • Hospital psychiatric services
  • Implantation of hearing devices
  • Insulin pumps
  • Joint reconstructions
  • Kidney and bladder
  • Lung and chest
  • Male reproductive system
  • Miscarriage and temrination of pregnancy
  • Pain management
  • Pain management with device
  • Palliative care
  • Plastic and reconstructive surgery (medically necessary)
  • Podiatric surgery (provided by registered podiatric surgeon)
  • Pregnancy and birth
  • Rehabilitation
  • Skin
  • Sleep studies
  • Tonsils, adenoids and grommets
  • Weight loss surgery

Other benefits of Police Hospital Cover

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.
  • Access to healthbeat. The online members health management program connects you with the Police Health team of healthcare professionals and experts, to help stay in shape and assemble a long-term wellness plan.

How do the costs work?

There could be some out-of-pocket costs associated with your Hospital cover. Fortunately, Policy Health's Access Gap Cover scheme helps to reduce or even eliminate such expenses for medical services during a hospital stay.

Before you're admitted to hospital, check with your doctor if they have an arrangement with Police Health under the scheme.

Waiting periods and limitations

Despite the lack of excluded treatments, some conditions still apply. You are not covered for:

  • Outpatient services unless there is an agreement between Police Health and the hospital. You need to get prior approval for these procedures
  • Treatment provided in a hospital emergency department, although you are covered for further treatments after being admitted as a patient
  • Aged care and accommodation in an aged care facility
  • Services outside of Australia
  • Personal and take-home items, such as newspapers, toiletries or pharmaceuticals
  • Services that take place before the end of a waiting period

Waiting periods are as follows:

  • 12 months for obstetrics and for pre-existing conditions except psychiatric treatment, rehabilitation and palliative care
  • 2 months for everything else, except accidents

How to make a claim

Generally your hospital will send the bill directly to Police Health. Because there is no excess you may be able to go to hospital without even seeing a bill.

In rare situations or for certain types of procedure, you may need to make a claim, in which case you can send in a claims form, available on the fund website. You can submit this through the Police Health app, or by emailing or mailing a claim form with the appropriate supporting documents and evidence to Police Health.

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