Why choose us?
- Comprehensive ambulance cover Australia-wide on every Defence Health membership. For clinically necessary air, sea or road ambulance services by a state-appointed ambulance provider. No caps or limits.
- Affordable cover for under 30s with an age-based discount on eligible hospital products. If you join before age 26 you can lock in a 10% discount until you turn 41.
- More for families including immediate cover for newborns or adopted children when you add them to your policy within 60 days of birth or adoption. There's no excess for kids if they go to hospital. And on most extras cover, there's a benefit for a no-gap custom-fitted mouthguard each year to protect young teeth. Everyone in the family has their own annual limits and there’s no lifetime limit on orthodontic benefits.
- Kids are covered until age 21, or 25 if single and studying fulltime.
- Keep 21 to 25 year-old non-students covered on a Family+ hospital and extras policy. It’s the simple and affordable option for families with young adult kids.
Hospital cover you can depend on
Choose the level of competitively priced hospital cover to meet your needs. Our ‘plus’ options give you a bit more than the standard included clinical treatment categories.
- Access to one of the largest networks of agreement private hospitals, where the accommodation and theatre fees for your included clinical treatment are 100% covered.
- Reduce or eliminate out-of-pocket medical expenses in hospital when your doctor uses Access Gap.
- Chronic care programs (on eligible hospital products) to support members with serious health challenges.
- In-home nursing and rehabilitation (based on clinical assessment and eligible hospital cover) to get you home sooner. This could include services such as wound management, intravenous therapy, or rehabilitation.
Great value extras cover
Extras cover helps lower the cost of health care that’s not covered by Medicare. Treatment like dental, optical, physiotherapy, chiropractic and a range of other therapies. We have three levels of extras cover – Premier, Value and Essentials. The higher your level of cover, the more services you’ll be covered for and the higher the benefits and annual limits.
- A dental network to give you quality dental care at special member prices. And no-gap preventative dental care on our mid and top-level extras (refer to product guide for conditions).
- Our optical network delivers greater value optical benefits and a wide range of fashionable no-gap glasses.
- Extra flexibility with flexi-limits. Use your flexi-limit how you like across a range of included treatment such as speech or occupational therapy, psychology, podiatry and more.
- Health and wellbeing benefits for a range of health screening tests and Quit smoking programs (mid and top-level extras).
Commitment to the ADF community
ADF families and the Defence community are at the heart of everything we do.
- We have exclusive packages that are best value for money.
- A 10% transition discount on civilian policies for 12 months after leaving the ADF.
- Discounts and support for ex-serving ADF members with Veteran Gold or White card.
- Reservists (SERCAT 3-5) are eligible for our exclusive ADF packages. If you’ve already got the family covered, it’s just a matter of calling us and we’ll add you to the policy.
