Health Insurance for ADF members and their family

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Check your rebate tier here

Rebate Tiers

Most Australians are eligible to receive the Australian Government Private Health Insurance Rebate to help cover the cost of their premiums. The rate of rebate is based on age and income. The table below will help you select your rebate tier. You must be covered by the policy in order to claim the rebate.

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
	Base Tier	Tier 1	Tier 2	Tier 3

This information is valid until 31 March 2023.

The rate of Rebate is calculated 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 refer to your ‘income for Medicare Levy Surcharge purposes’ in a financial year. 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.