2025 premium update: Keeping costs as low as possible
The Minister for Health and Aged Care, the Hon Mark Butler MP, has approved the 2025 premium changes for health insurers, including Defence Health.
For the second year in a row, our premium increase is below the industry average — 3.30% compared to the industry average of 3.73%. Last year, our 1.00% increase was one of the lowest in the sector, reinforcing our commitment to affordability.
As a not-for-profit fund, we reinvest any surplus to benefit our members, helping keep premiums as low as possible while providing meaningful benefits for medical and general treatment.
Your updated premium details will be available in the Member Portal from 17 March 2025, with changes taking effect from 1 April 2025.
Defence Health Member Portal
- Member Portal – Just a reminder that you need to register before using the Member Portal for the first time.
- Tax statements – Click the ‘Tax statements’ tile on the Member Portal homepage. We send this information to the Tax Office for pre-filling of your tax return in July each year.
- Update payment details – Click the ’Edit payment details’ tile to update your bank or credit card payment details. If you set a future date for a change, the updated details will be visible from the day they apply.
- Make an ‘Express Claim’ – For faster payment, some claims can be made through the Member Portal. Online claims through the Member Portal are usually paid within two business days. Snap and send from your mobile will take longer than claiming online. You can claim the following services via Express Claim: general and major dental, optical, remedial massage, acupuncture and myotherapy, group physiotherapy, group exercise physiology, exercise physiology, psychology, speech therapy, occupational therapy, podiatry/chiropody, audiology, dietitian, physiotherapy, chiropractic/osteopathy.
- Accessing your documents - Please note that only policy holders and those with authority can access documents within a membership. If you require full access, please ask the policy holder to call us.
- How to register for the Member Portal - The first time you log in, you will need to take a few moments to register; this will give you access to your policy details and claims.
Make payments online
Our self-service functions make it easier for you (or the policyholder) to update your policy in the Member Portal:
- Make an immediate online payment to your membership. Click the ‘Make a payment’ tile on the home page.
- Update the account that we pay your claims benefits into. Click the ‘Edit payment details’ tile on the home page, scroll down to select the member and then select ‘View and edit’ and choose 'Claims account' from the list.
- Change your payment method or the frequency of your premium payments. Click the ‘Edit payment details’ tile on the home page, scroll down to select the member and then select ‘View and edit’ and choose ‘Premium payment’ from the list.
- Order a new membership card from the member menu at the top of the portal.
Our contact centre hours
- 8.30am to 8.00pm Monday to Thursday (AEST/AEDT)
- 8.30am to 6.00pm on Fridays (AEST/AEDT).
Some handy hints
To make your experience navigating our website easier, our team has created some helpful video tutorials which you can access below.