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AAMI Health Insurance ACA Health ahm AIA Health Insurance Allianz Care Australia APIA Health Insurance Astute Simplicity Health Australian Unity Bupa Health Insurance CBHS Corporate CBHS Health Defence Health Doctors’ Health Emergency Services Health Frank GMHBA GU Health HBF HCF HCi Health Partners HIF Hunter Health Insurance (by CDH Benefits Fund) ING Health Insurance Latrobe Health Services Medibank Mildura Health Fund Navy Health nib Nurses & Midwives Health onemedifund Peoplecare Phoenix Health Fund Police Health Priceline Health Insurance Qantas Insurance  Queensland Country Health Fund Real Health Insurance Reserve Bank Health Society (RBHS) RT Health see-u By HBF Seniors Health Insurance  St Lukes Health Suncorp Health Insurance  Teachers Health Territory Health Fund  Transport Health TUH UniHealth Union Health  Westfund
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Guide

What is a restricted insurer?

Reviewed and updated 26 February 2025

A restricted insurer is open to members of a particular profession or workplace only. 

You can join a restricted insurer only if you fall into the specific category of people covered by that insurer.

However, family members are usually eligible to join these restricted insurers.

As at February 2025, there were 13 restricted insurers in Australia. 

No. InsurerWho can join?
1.ACAEmployees of the Seventh Day Adventist Church and their families.
2.CBHS HealthEmployees of the Commonwealth Bank of Australia and their families.
3.Defence HealthCurrent or former members of the Australian Defence Force and their families.
4.Doctors’ HealthCurrent or former registered medical practitioners and a range of allied health professionals.
5. Emergency Services HealthEmployees and volunteers for emergency services, and their families.
6.Nurses and MidwivesNurses, midwives and a range of other professions providing nursing care, and their families.
7.Navy HealthCurrent or former members of the Australian Defence Force and their families.
8.Police HealthCurrent or former Australian police officers and their families.
9.Reserve Bank Health SocietyCurrent or former employees of the Reserve Bank of Australia or Note Printing Australia and their families.
10.Teachers HealthTeachers and administrative workers working in primary, secondary or tertiary education and their families.
11.TUHMembers of any Australian union and their families.
12.UniHealthAcademic and administrative workers at tertiary education institutions and their families.
13. Union HealthCurrent or former employees of recognised Australian trade unions and their families.

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