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2024 Defence Health Guide

As an Australian defence force member, you may have a host of unique health care requirements and would like cover tailored to your requirements. Alternatively, you may be seeking health insurance for the first time, you’d like to switch to the Defence Health Insurance Fund, or simply want to review your current health plan, this guide will help you find the best possible policy for your requirements.
Fact Checked

Updated: 22 May 2024

Defence Health Fund offers seven different Hospitals plans and three separate Extras cover policies. You also have the option to combine plans to create the ideal policy for you and your family. Compare their policy options, find out how to claim and learn how to join this fund before deciding whether they’re the right fund for you.

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Key facts

ComparingExpert does not currently have access to this provider. Visit Defence Health Fund to request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

Can anyone join Defence Health?

No, if you’d like to join this fund you’ll need to be either a full-time or reservist ADF personnel member or their partner or child.  This includes anyone working in the Department of Defence and other Defence-related departments or working for a company or agency contracted to the Department of Defence or involved in the supply of goods or services to the Defence.

About this fund​

The Defence Force Health Fund is a not-for-profit healthcare provider that has been offering healthcare cover since 1953. The company aims to support the families of those who defended Australia and care for those who once served and are currently serving. Today, the company has over 300 000 members.

How does military health insurance for family members work?
Current and ex-spouses/partners, children, grandchildren, siblings and parents of a serving or ex-serving ADF member or ADF supporter can join the Defence Health fund. Find out if you qualify by using the DVA Nominal Roles. Once your eligibility is confirmed, you can join by filling in the application form available on the DH website or call directly on1800 335 425.
What does the Defence Force Health fund cover?
The insurer offers seven Hospitals plans and three Extras policies. They also offer dental and optical care, provide access to health and wellness programmes, assist with ex-servers who wish to transition into their new lives smoothly, and have both a young adult support plan and pre and post-natal programmes.

Defence Health Hospital cover

Policy Type
Essentials Hospital Basic Plus 250
Everyday Hospital Bronze Plus
Advantage Hospital Silver Plus
Ultimate Hospital Gold 500
Benefits
  • Bone, joint and muscle
  • Hernia and appendix
  • Dental surgery
  • Joint reconstructions
  • Gastrointestinal endoscopy
  • Tonsils, adenoids and grommets
  • Blood Eye (not cataracts)
  • Podiatric surgery
  • Brain and nervous system
  • Gynaecology
  • Dental surgery Kidney and bladder
  • Lung and chest
  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Cataracts
  • Plastic and reconstructive surgery (medically necessary)
  • Palliative Care
  • Rehabilitation
  • Weight loss surgery
  • Cataracts
  • Plastic and reconstructive surgery (medically necessary)
  • Palliative Care
  • Rehabilitation
  • Chemotherapy, radiotherapy and immunotherapy for cancer
Restrictions
  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation
  • Hospital psychiatric services
  • Palliative care
  • Rehabilitation
  • Hospital psychiatric services
  • None
Price Per Month
$109.72
$122.11
$210.21
$299.99

Source: PrivateHealth.gov.au (June 2023; Hospital only premium estimates for a single Adult with no dependents in NSW)

Defence Health Extras Cover

Policy Type
Essential Extras
Value Extras
Premier Extras
Waiting Periods
  • 2 Months: General dental, Optical, Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Exercise physiology, Osteopathy, Vaccinations