There’s more for members at Defence Health. That means better health, wellness, and lower out-of-pocket expenses for you. Just like family, we’re here for you when you need us.
Waiting times at public hospitals have doubled on average since 2000 – sometimes stretching to more than a year.
With our network of more than 500 agreement private hospitals, you can get the treatment you need, when and where you need it. That’s valuable peace of mind and gets you back on the road to recovery sooner.
Our optical and dental networks give you the choice of even greater benefits and extra savings.
Choose from a large range of fashionable no-gap frames at our optical network providers.
And take advantage of more affordable, quality dental treatment at our dental network.
Extras members will save up to 15% off the usual fee charged by the network dentist – with most extras policies covering a no-gap check-up and clean each year. Refer to your product guide for more information.
The COVID-19 pandemic has proven how critical private health insurance is to the function of our entire health system.
More than two-thirds of all non-emergency surgery in Australia takes place in a private hospital.
And during the pandemic Defence Health has ensured that all members with hospital cover – regardless of their level of cover – are covered for COVID-19 related treatment in a private hospital. We will continue this benefit for eligible members until 1 July 2021.
Everyone can get the care they need to stay well – and the treatment they need when they’re unwell.
immediate cover for newborns
kids are covered to age 21 – or 25 if they’re studying full-time no lifetime limit on orthodontics benefits
a custom-fitted mouthguard each year to protect young teeth (on most extras)
no excess for kids if they go to hospital.
Remember to ask your doctor to use Access Gap if you’re going to hospital.
When a specialist uses Access Gap you will have no, or a low, out-of-pocket expense for your medical treatment in hospital. In 2019, Access Gap helped us to fully cover 90.5% of all hospital related medical expenses for our members.
There is no relationship between medical fees and quality. Many excellent specialists charge no gap or a small known gap. You (or your GP) can find one through our Healthshare digital directory.
Our health programs target the risk factors for chronic health conditions.
The programs are made available at no cost to eligible members with hospital cover. They help members manage their chronic conditions and improve their health and wellbeing. Visit our website to find out more.
ADF families and the Defence community are at the heart of everything we do.
exclusive packages for serving families
support for ex-serving with Veteran Gold or White Card
10% transition discount for 12 months after leaving the ADF.
Wherever you travel in Australia, your Defence Health membership gives you comprehensive cover for air, sea or road ambulance services by a state-appointed ambulance provider. No caps, limits or restrictions. No worries.
We have a range of hospital products that offer a Youth Discount for under 30s. The discount of up to 10% (for people who join before turning 26) can be retained until age 41.
This long-term discount is great news for young people who lock in hospital cover at a lower rate.
In the 2019 Roy Morgan Customer Satisfaction Awards, Defence Health was named Major Private Health Insurer of the Year (in the not-for-profit or restricted category).
We don’t hang our hat on awards, but it’s nice to get recognised for the genuine care and concern we have for our members.