Health Insurance for ADF members and their kids & partners

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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 2019 to 31 March 2021
	Base Tier	Tier 1	Tier 2	Tier 3
Less than 65 years	25.059%	16.706%	8.352%	0.00%
65-69 years	29.236%	20.883%	12.529%	0.00%
70 years+	33.413%	25.059%	16.706%	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 2021. 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. These Rebate levels are effective 1 April 2019. 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 2021. 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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At Defence Health, we put you before profit. Because our members are just like family.

ADF families are the most important part of our family. That’s why we’ll defend your right to the very best cover and protection.

Special features for the ADF

National premium on ADF packages
Suspend your cover if you’re posted
Kids only policies
No excess for kids
Flexible extras limits to maximise your value
Access Gap to reduce your out-of-pockets
Extensive 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.