Health Insurance for ADF members and their family

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Rebate Tiers

Most Australians with private health insurance currently receive a rebate from the Australian Government to help cover the cost of their premiums. The private health insurance rebate is income tested. The table below shows the rebate amount for different income thresholds. The rebate applies to hospital and general treatment policies. You must be covered by the policy in order to claim the rebate.

Income thresholds

Singles	$90,000 or less	$90,001 - $105,000	$105,001 - $140,000	$140,001 and above
Couples	$180,000 or less	$180,001 - $210,000	$210,001 - $280,000	$280,001 and above
Rebate entitlement
Based on age and income from 1 April 2021 to 31 March 2022
	Base Tier	Tier 1	Tier 2	Tier 3
Less than 65 years	24.608%	16.405%	8.202%	0.00%
65-69 years	28.71%	20.507%	12.303%	0.00%
70 years+	32.812%	24.608%	16.405%	0.00%
Medicare Levy Surcharge
All ages	0.00%	1.00%	1.25%	1.50%

The income thresholds are effective 1 July 2014 through to 30 June 2023. After this period they will increase annually from 1 July, based on growth in Average Weekly Ordinary Time Earnings. Single parents and couples (including defacto couples) are subject to the family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.

The Rebate levels change annually from 1 April, based on the Rebate Adjustment Factor. The Lifetime Health Cover component of a premium is not eligible for the Rebate.

^Single parents and couples are considered families. For families with children, the thresholds are increased by $1,500 for each child after the first. Age ranges relate to the oldest person covered on the policy.

*Income thresholds are determined by the Australian Taxation Office and will remain unchanged until 30 June 2023. The ATO has specific rules for calculating your ‘Income for Medicare Levy Surcharge purposes’. For more information, please go to www.ato.gov.au

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Our roots are in Defence. That’s why we’re here to look after you and your family.

We understand the needs of ADF families and couples. With Defence Health looking out for you, you’re in safe hands.

Special features for the ADF

Exclusive packages for ADF families, singles and couples
Suspend your cover if you’re posted
Kids-only policies
No excess when kids go to hospital
Flexible extras to maximise your value
Access Gap to reduce out-of-pocket medical fees
Extensive private hospital network

Why choose us?

We're for family, not for profit

Your contributions stay in the fund for all members. So we can give more back in benefits and focus on keeping premiums low.
Over 60 years experience

Created to support the families of those who defend our country, we understand what you want from health insurance.
Customer satisfaction award

Our members are among the most satisfied. Recognised with awards from Roy Morgan and Smart Investor.
Join online 24/7

It’s quick and easy to join online, any time of the day or night.
Choose your provider

Our dental and optical networks provide great value. Or choose to visit any provider you like, and still receive benefits.
Manage your cover online 24/7

It’s quick and easy to join online, any time of the day or night.
Get more back in benefits

In 2018, 94 cents in every premium dollar went back to members in benefits.
Fast and easy online claiming

Online Member Services and our mobile app makes it quick and easy to claim for many Extras.