Police Health

I was in Police Health back in the 1990's but a marriage change and I was in BUPA for 20 years but now have rejoined and I'm extremely happy with their policy and service and very happy to be back. Show details

Very disappointing experience with Police Health. My policy was cancelled due to a direct debit issue. While I understand there were attempts to contact me, I was going through significant personal circumstances at the time and had also recently moved house, so I didn’t receive all correspondence and unfortunately didn’t follow up as I normally… Read more

would have.

Since then, I have made multiple attempts to contact them via email with no response. When I finally spoke to someone, there was no willingness to reinstate my policy or offer any reasonable compromise — even a partial waiting period.

It’s not like I wasn’t going to pay for my service — I fully intended to reinstate the direct debit once my circumstances stabilised. Despite this, I wasn’t offered any flexibility at all, not even a partial additional waiting period.

Given I have never made a claim and have always paid my premiums, I expected a much higher level of understanding. For a company that is supposed to support emergency services and their families, you would think there would be more compassion and flexibility.

Overall, a very frustrating and disappointing experience.

What a great fund – My wife and I have been a member since July 2023. At the time I told the agent that I would have to delay my move due to me paying off my new hearing aids and my then current health fund was going to pay me a benifit of $500.00 once they were fully paid for. Police Health said that if I came over immediately they would pay me their full benifit… Read more

of $1200.00 even though I had purchased the six months earlier. They kept their promise and paid me my full benifit. When I moved the only thing that I had to do was serve a 12 month period where I would have a $500.00 excess for a hospital admission. In the November 2023 my wife was bitten by out cat and the bite got infected. She was admitted to hospital on the 31st December and because she had been in hospital, under my previous fund, that year there was no excess to pay. She was readmitted to hospital in March 2024 (within the excess requirement period) and I paid the required $500.00 excess plus a credit card surcharge. Police Health then sent me forms to be filled in by my wife, G.P. and her surgeon. They then informed me that they had made a determination that the cat bite was an accident and it wasn't pre-existing and therefore we were exempt from paying the excess and the $500.00 and the credit card surcharge was fully refunded. There is NO other health fund that would do that. Since them my wife has had three hospital admissions and I have had major knee surgury and four othe hospial admissions. Police Health looked after my wife and I really well on all occassions without any question. All claims for hospital and extras are dealt with expdiately. I would rate Police Health as the BEST health fund there is and I always recommend Emergency Health to all the medical staff that I come into contact with. My eye specialist has moved over and stated that he was now saving $1500.00 a year just on fees. I would HIGHLY recommend Police Health/Emegency Health to anybody that qualifies for membership as they cannot be beaten.

Outstanding experience with Police Health. Highly Recommended – I switched over from BUPA in March 2018 after they made some changes to their policies that reduced the value and coverage. After comparing the various funds on Choice magazine comparison tool, I selected Police Health which was the highest rated restricted entry fund for my criteria. As an ex NSW police officer, I was fortunate to be eligible… Read more

to join Police Health, which was not available to NSW police until 2015.

A month after switching, I tore my meniscus and had to have arthroscopic surgery on my knee, Police Health paid $3k out of my $5k surgery and hospital stay - it would have been $500 cheaper except I was still in a waiting period for excess-free hospital admission. Prior to the surgery, my specialist asked which health fund I was with and when I told him it was police health, he remarked: "they're one of the better funds." I guess he would know.

A couple of months later, my teenage daughter was unexpectedly admitted to a one-month in-patient program due to a mental health issue. Police Health picked up the $16k tab and we were not a cent out of pocket, they paid promptly and without hassle, which I was extremely impressed about, given our short time with the fund.

While my daughter was in the program, I attended one of the information sessions for parents where the doctors outlined the program; which for some patients would involve a 12 month out-patient program after the initial in-patient program, the staff asked which health funds families were with, and commented that BUPA and one other health fund (I can't recall which) would not cover a cent of the outpatient program. I checked with Police Health and we would have been fully covered. if needed My daughter did not need the out-patient program as it turns out, but it was reassuring to know that we would have been covered if required.

I just had a look at my family's claims history and in less than 12 months, Police Health has paid out nearly $20k. Obviously, my daughter's treatment and my knee operation account for the bulk of that, and last year was not a typical year for us, but I feel extremely lucky to have chosen Police Health as my insurer. Compared to my previous insurers, BUPA and HCF before that, the claims process has been seamless and the cover provided is excellent. I highly recommend Police Health if you are eligible to join.

Health Insurance at its best – We have been members of Police Health for 7 years. Transferring health funds was one of the best things we have ever done. The premiums are competitive with other funds however the benefits far exceeded our expectations. Although the choices in cover are few, it is something I appreciate - we know exactly what we are covered for with no… Read more

surprises at claim time. Other funds have too many options and confusion entails ... Its easy to be convinced to reduce the cost by going to another (cheaper) cover however I know many customers find they are not covered for the essentials when it comes time to claim.

Our Policy was very easy to set up .... Completed our details and organised a clearance certificate from our previous health fund and we were covered immediately.

On occasion I have had to make enquiries over the phone regarding our cover - It is lovely to have a staff member answer the phone and resolve my query immediately. It is refreshing the staff know all aspects of the product.

I use the app to make claims ... my colleagues were amazed (and jealous) that claiming is so easy for me for claims from providers who do not use Hicaps.

To anyone who is considering Police Health - do as we did and make the change. You will not regret it.

Well worth the Premium – My husband and I have been members for more than 40 years. In that time we have been fortunate enough not to need to make many claims. However in the last 2 months I have had some health issues and been hospitalised and have not had to pay a cent. When making a claim for "extras" eg. Physio and dentist, the receptionists have often commented on… Read more

the generous amount paid by Police Health. I wish the organisation the best of luck with the upcoming Healthscope negotiations.

Great Policing of Health Benefits – I have been very lucky for the last 50 odd years to have been with Police Health. Hospital for the birth of 2 daughters and 11 days in Flinders Private Hospital for pericarditis and it was all covered with Police Health. Also amazing benefits for extras. Don’t have a husband now but I have Police Health thankfully. Such great value and easy to claim just using a card. Show details

Amazing service and price – Police Health has been really wonderful to deal with.I had been with Bupa top cover since I was 15 and started work.Transferring across to Police Health was very pleasant and painless.I am still in top cover and there is no difference between the 2 companies BUT the Price.Living only on a pension my cover is extremely more affordable for the same cover.I have had no qualms with the service provided after 2 years .Claims are so easy as well. Show details

Another example of Health Appliance (NON)-cover – Also have a problem with coverage for CPAP Health Appliance (See last Reviewer). Police Health is one of about 10% of Health Funds that do NOT cover CPAP machines under their EXTRAS cover despite this cover being for "Health Appliances". In particular it is not mentioned in the Extras Cover Guide as an exclusion in the "What is Covered" or in… Read more

the "What is not covered" sections of their Benefits and Cover Guide. In my research I also came across a "Choice" report that identified Police Health are average across Australia for their "Gap Cover" but below average in NSW and Victoria. Do your homework before joining.

Cpap not covered under extras! – Unfortunately being diagnosed with sleep aponea I called Police Health after being a member for ten years only to be told they only pay out for Cpap Machines on HOSPITAL COVER and nothing for Extras only. Makes sense because if your in hospital you would be getting a ENT procedure done and wouldn't require a Cpap Machine. Good for nothing......Police Health. Show details

Dont waste your money! Better Health Providers around – Customer service is disgusting.. [Name Removed] was rude, unknowledgeable and should probably find a job that involves her not talking to people on a daily basis. Waste of money, waste of time and will be looking for a new provider thanks to [Name Removed]. Waited until the day before my surgery to tell me I was uncovered as they wanted to say it… Read more

was pre existing! I had never even seen the surgeon before last week!! Will find anyway to get out of paying for something.

Fantastic Health Service Provider – We have been with Police Health since 1972. They have always provided a fantastic service. We get great rebates and we have never been disappointed. Show details

Brilliant – I joined Police Health in 1982 and I have nothing but praise for Police Health. Bills are paid promptly and and the amounts paid are great - and all medical operators say the same. I have suffered from several ailments over the years and have always been grateful for the assistance afforded by Police Health and would cut down on food rather than my Police Health payments. Thank you million times to all you hard workers. Show details

Hip replacement – I have always had wonderful care from my health fund & without unnecessary paperwork which is a bonus when one is hospitalised & feeling quite unwell. Thankyou Show details

The best in Australia – Truly the best private health insurance that you can buy in Australia. Top level cover, no hospital excess, no gap policies with local hospitals, high percentage extras cover with good annual turn overs and roll over policies. I myself am a health professional and regularly recommend police health to many of my clients. Show details

Peace of mind – Wonderful when I claim for hospital visits/dental expenses. No excess, amazing - given the rising costs in all sectors. Happy member. Thank you. Peace of mind with Police Health. Show details

Best Health Fund In Australia – I have been a member for over 53 years and have always found them to be extremely friendly and helpful. Police Health pay a larger percentage of the bill compared to all other funds. Claims are always fast and easy. Show details

POLICE HEALTH INSURANCE REVIEW – My wife and I have been members since 2021. We have needed the support of Police Health on numerous occasions in that time and the peace of mind knowing that we can contact them by phone and have our questions answered in a caring and professional way helps to reduce the stress of our medical concerns at that time. Show details

Excellent Health Cover – We have found being a member of police health has provided us with great cover, excellent customer service, higher rebates than other funds. The rebate process is extremely quick and easy and the staff are very helpful. Show details

Make the change – Since being part of Police Health, I have found they have been easily accessible, quick with replies to questions. The staff have always been polite and provided the information requested efficiently. Police Health is my second only Health Fund, having been with my the previous fund for 15 years. Moving across was made easy as they were… Read more

providingt he same as the other however the cost was considerable lower for what I was requiring. Have been extremely happy since.

Being a valuable member of Police Health – I've only been a member for a short time, but whenever I've contacted Staff at Police Health, they have always been courteous & helpful. My claims have been promptly processed & I would highly recommend Police Health as a great Insurance Company. Show details

Personal experiences – I am 70+ years of age, started work in the police at 151/2 years as a cadet. I have been associated with a number of private health agencies over the years and Police Health for the last 20 or so. I have never bee dissatisfied with the service or refunds. My favourite thing is when you call for assistance you speak with a person that is… Read more

understanding, able to provide appropriate advice and is always pleasant, professional and friendly during this conversation.

Police Health; there when health is throwing challenges – Have been a steady user of Police Health ancillary benefits over the years. In late 2022 around three months in hospital and four separate surgeries, the last one major and literally life-saving, including three days on life-support and two weeks ICU. Police Health did not miss a beat with their full payments in a timely fashion. Over 50 years with Police Health, it has never let our family down. Show details

Police Health are a solid and reliable Health Fund – I am now retired and have been with Police Health for a very long time and plan to stay. There have been many operations, trips to the dentist, medications and glasses. Through it all, Police Health have supported me, both financially and with advice. I have never had an issue with a claim and queries are answered promptly by friendly and knowledgeable staff. Like I said, I don't plan to go anywhere else. Show details

Great health insurance – Have been very happy with this health insurance. No excess and easy to call or look up information. Easy to claim. Show details

excellent experience – I have been with Police Health since 1977 and have never had any issues with their staff or making any claims. They have always been professional and prompt. My family and have been very well covered over the years so much so that I believe they have offered excellent value Show details