Police Health

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About Police Health

What is Police Health?

Police Health is a private health insurer that operates as a restricted health fund.

Background

Police Health was established in 1935 in South Australia when a group of police employees set up The South Australian Police Department Employees’ Hospital Fund to help pay for hospital care for them and their families. 

In 1996, the fund became Police Health and started offering Extras Cover.

After requests from police unions outside South Australia during the 2000s, Police Health expanded nationally so that employees of the Australian Federal Police and in other states and territories could join the fund.

In 2020, Police Health and Emergency Services Health amalgamated. Cover for emergency health workers is marketed under a separate brand, Emergency Services Health.

Police Health has over 75,000 members across Australia.

Who can join Police Health?

You can join Police Health if you are a:

• current Australian police officer, police employee or volunteer of any federal, state or territory police department, police union or association
• retired or former police officer, police employee or volunteer of police department and association in Australia
• close relation of any of the above, including:
  • partners
  • former partners
  • dependants and adult children
  • siblings
  • grandchildren.

If you are an emergency services, allied health worker or volunteer, you can obtain cover through Emergency Services Health.

What products does Police Health offer?

Police Health offers:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras.

Do Police Health policies include Ambulance Cover?

Police Health includes Ambulance Cover (emergency transport, clinically-required non-emergency transport and treatment not requiring transport) with:

• Hospital Cover
• Extras Cover
• Combined Hospital and Extras Cover.

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Is Police Health a not-for-profit health insurer?

Yes. Police Health is a not-for-profit health insurer.

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Does Police Health operate in all Australian states and territories?

Yes. Police Health operates in all Australian states and territories.

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Does Police Health sell its health insurance policies under other brands?

Yes. Police Health sells policies under the Emergency Services Health brand.

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How does Police Health Hospital Cover compare with other insurers?

Benchmarks	Police Health	Industry average
Member retention for Hospital Cover	91.2%	86.9%
% hospital-related charges covered	92.4%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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Does Police Health have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Police Health has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	97	98
NT	2	2
QLD	51	60
SA	20	23
TAS	5	9
VIC	74	76
WA	22	24

Police Health also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	87	103
NT	1	2
QLD	48	57
SA	25	30
TAS	6	8
VIC	67	79
WA	19	24

Source: Police Health: performance

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How does Police Health Extras Cover compare with other insurers?

Benchmark	Police Health	Industry average
% Extras Cover charges covered	65.8%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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How does Police Health compare with other private health insurers?

Benchmarks	Police Health	Industry average
Market share	0.5%	–
% services with no gap	87.3%	88.3%
% services with no gap or where known gap payment made	97.7%	97.2%
Market share of complaints to the PHIO	0.4%	3.1%
% complaints investigated by the PHIO	0.5%	3.1%
Benefits as a % of contributions	86.9%	80.5%
Management expenses as a % of contribution income	7.2%	13.1%
Management expenses per average policy	$438	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2023

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Is Police Health a member of any industry organisations?

Yes. Police Health is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

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Does Police Health let me claim online or via an app?

Yes. Police Health allows you to make a claim using the Police Health Mobile Claiming App. 

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How to contact Police Health

Phone:

1800 603 603

Website:

http://www.policehealth.com.au

Email:

enquiries@policehealth.com.au

Address:

320 King William Street
ADELAIDE SA 5000

Postal address:

Reply Paid
PO Box 6111
Halifax Street
ADELAIDE SA 5000

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