Health Insurance for Defence Connections

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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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Are you eligible to join?

You can join Defence Health if you’re the sibling, partner, former partner, child, grandchild or parent of a serving or former member of the Australian Defence Force or employee of the Department of Defence or Defence related departments.

For example:

If your Grandpa served in WWII, you’re eligible to join!
If your sister is in the ADF, you’re eligible to join!
If your son serves in the ADF, you're eligible to join!
If you’re a current or former employee of a defence-related agency, company or authority, or a company contracted to Defence, you’re eligible to join!

Defence Health is not for profit, which means member contributions stay in the fund to benefit all members. In 2019, 91c in every $1 of member premiums was returned in benefits to our members.

If you are eligible, join the health fund that has been supporting ADF members and their families manage their health needs for over 65 years.

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

With Online Member Services, you can view your cover and limits, claim on selected Extras, update details and more.
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.