Defence Health Fund Review
Defence Health is a non-profit restricted health fund that focuses on providing affordable, comprehensive health insurance to Australian Defence Force members, supporters, and their families. Only those who have served or supported the ADF, or are connected through family, are eligible for coverage.
Since its creation over 60 years ago, Defence Health has been providing exceptional health insurance and support to its members and their families. They focus on customer support and affordability over profit and can claim some of the most satisfied members in the healthcare industry.
- Defence Health provides health insurance to ADF members and their families.
- You can select hospital, extras, combo, or packaged cover from Defence Health.
- Defence Health has some of the most satisfied health insurance customers in Australia, which could be a result of putting customer needs before the bottom line.
- Defence Health provides health insurance to ADF members and their families.
- You can select hospital, extras, combo, or packaged cover from Defence Health.
- Defence Health has some of the most satisfied health insurance customers in Australia, which could be a result of putting customer needs before the bottom line.
The Private Health Insurance Ombudsman (PHIO) monitors complaints and performance for health funds in Australia. Here’s a break down of the information they have on Defence Health and how they perform when compared to the rest of the healthcare industry.
Hospital Related Charges Covered
Defence Health: 92.1%
Industry average: 91.06%
Medicare Services with No Gaps
Defence Health: 88.8%
Industry average: 86.6%
Medicare Services No or Known Gap
Defence Health: 97.1%
Industry average: 94.88%
General Treatment Covered
Defence Health: 50.8%
Industry average: 53.52%
Most claims for in hospital medical services are automatically lodged by your treating doctor, so you don’t need to worry about making a Defence Health claim after the fact. It’s a good idea to talk to Defence Health before going to the hospital, though, just to make sure you have an appropriate level of coverage.
For extras claims, there are several different methods you can use. Here’s a breakdown of the different ways to claim your extras charges.
Defence Health prides itself on putting its members before profits, and treating them “just like family.” Here are some of the benefits you can receive from being a Defence Health member:
- National pricing 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-pocket medical costs
- Extensive hospital network
