At Defence Health we put you before profit. Our members are more than just a name or number. You’re just like family. If you want great value health insurance from a not-for-profit insurer that’s all about benefiting members, cares about your wellbeing and always provides excellent service, you’re in the right place.
Why you’re better off with Defence Health
Reduced fees at network dentists
With extras cover you’ll save at least 15% off the usual dental fee at our national network of dentists.
With extras cover you can choose from a wide range of no-gap glasses from our optical network, at over 800 providers around the country.
Flexible extras on flexi-limits
Flexi-limits include a range of extras treatments under one overall limit. It can be used across the range of included treatments, or you can choose to use it all on your favourite included treatment.
Mix and match hospital and extras cover for your needs
You can mix and match our hospital and extras products to create the perfect cover for your stage of life.
You could avoid Government taxes and loadings
The Australian Government has a number of initiatives to encourage people to take out private health insurance.There are benefits for taking out cover and penalties if you don’t take out cover depending on things like your age, income and when you first take out cover.
Comprehensive ambulance cover
Comprehensive cover for ambulance services by state-appointed ambulance providers across Australia. This includes emergency services, non-emergency dispatch, mobile intensive care and air and sea ambulances services. Patient transport services are not ambulance services and are not claimable.
No hospital excess for kids
If you have a policy that covers your family, you’ll never have to pay a hospital excess for your dependent kids.
Manage your membership online 24/7
With Online Member Services, it is easy to view your cover, claim on selected Extras, view your limits, download your tax statement, update your details and more.
We're for family, not for profit
Because we’re not-for-profit, we’ve got more for members. Member contributions stay in the fund for the benefit of all members, so we can give more back to members in benefits and we focus on keeping premiums low.
Get more back in benefits
In 2018, 94 cents of every premium dollar went back to members in benefits. That’s because we don’t have shareholders, so your premiums stay in the fund.
Over 65 years experience
We were created to support the families of those who defend our country. With all our experience, we understand better than anyone what you want from health insurance.
Friendly expert staff
Our friendly expert staff are here to help. In 2019, 98% of members surveyed said they were satisfied with our service. It’s because we never forget we’re dealing with your health and wellbeing.
You're better off when you switch to Defence Health
Switching to Defence Health is easier than you think.
You can join online
We recognise waiting periods you have already served, so when you join within 2 months of leaving another fund - you can claim immediately
We will do all the paperwork for you, including contacting your previous fund
Transitioning out of the ADF?
We understand that transitioning out of the ADF can be daunting. We are here to help.