Police Health: Platinum Health review

Is the Police Health combined cover value for money?

Police Health is a restricted health fund for law enforcement authorities and their family members. You can join if you are a current employee of a state, territory or federal police department or police union, or a former employee who left after 1 January 2001.

Family members of those who are eligible can also join, including spouses and partners, former partners, children and grandchildren.

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.

What’s included in Platinum Health cover?

The majority of Police Health members choose Platinum Cover. It combines comprehensive hospital and extras health insurance in a single policy.

There are two variations on this cover type.

  • Platinum Health: Top hospital and top extras.
  • Platinum Plus: The same, except it also covers your children aged 21-25, provided they are not students, married or in a de-facto relationship. They do not have to be living at home in order to be covered under this policy.

The hospital cover

Overall, this package gives you comprehensive hospital cover, equivalent to the top hospital policies available with other health funds.

  • Comprehensive private hospital cover for all Medicare services: You will generally have minimal or nonexistent out-of-pocket expenses for all procedures. It’s still a good idea to enquire beforehand wherever possible to make sure you know whether you’ll have to pay anything.
  • Theatre and labour ward fees: 100% covered.
  • Drugs supplied: Usually 100% covered, as long as they’re related to the reason for your admission. This might vary between hospitals.
  • Ambulance: 100% cover for emergency transport, clinically required non-emergency transport and treatment not requiring transport.
  • Prostheses: Screws, plates, stents and all other prosthetic devices are covered up to the specified amounts on the government prostheses list.

Limitations to know about include:

  • Waiting periods. You still need to be aware of waiting periods when switching to this cover, or signing up for private health insurance for the first time.
  • Outpatient services. By default you are not covered for any outpatient services, with some exceptions such as certain at-home hospital services. This might vary between hospitals.
  • Private hospital emergency department treatment. As legislated, this health insurance does not cover the cost of emergency treatment in private hospital emergency departments. However, you generally will be covered if you are formally admitted to that hospital after receiving emergency treatment.

The Extras cover

The extras cover offered by the Platinum package might be one of the most comprehensive extras policies available in Australia.

This is thanks to three main features:

  • Overall comprehensive cover: It’s generally as comprehensive as top-level extras policies offered by other insurers.
  • Rollover benefits: On top of that, it also lets you roll over benefit limits across multiple years. This is an extremely useful feature only found with a handful of policies in Australia.
  • Bonus laser eye surgery: When you take out the Platinum package, your extras can also cover laser eye surgery. This is not available when you get the extras alone.
Annual limit (per person)Rollover maximum
General dental
  • Unlimited
  • None
Major dental
  • $1,300
  • $2,600
Orthodontic
  • Up to $1,500 per year, $3,000 lifetime limit
  • None
Optical
  • $330
  • $660
Physiotherapy
  • $850, with $400 sub-limit for exercise physiology
  • $1,700
Exercise physiology
  • $850, with $400 sub-limit for exercise physiology
  • None
Chiropractic
  • $700
  • $1,400
Naturopathy
  • $700
  • $1,400
Acupuncture
  • $700
  • $1,400
Osteopathy
  • $700
  • $1,400
Complementary therapies
  • $700
  • None
Speech therapy
  • $850
  • $1,700
Occupational therapy
  • $600
  • $1,200
Eye therapy
  • $600
  • $1,200
Dietary
  • $600
  • $1,200
Podiatry
  • $700
  • $1,400
Psychology
  • $850
  • $1,700
Ambulance
  • Unlimited
  • None
Pharmaceutical
  • $600
  • $1,200

How do I make claims?

When you attend a hospital, Police Health will usually sort out payment directly with the hospital and practitioners.

To claim extras, you will generally be able to just swipe your membership card and pay any difference yourself.

If neither of the above is an option, you can generally send in a claims form as needed.

How do I pay premiums

You can pay premiums fortnightly with a direct debit from your bank or financial institution. Alternatively, you can pay with BPAY following a renewal notice received every 3, 6 or 12 months.

Compare your health insurance options today

Picture: Shutterstock

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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