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Defence Health Health Insurance Review 2025
Compare 86 Defence Health Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Defence Health Health Insurance - Quick Facts
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (7 April 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with Defence Health Health.
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See all 86 Defence Health Health policies side-by-side with personalised pricing.
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with Defence Health Health.
Explore Defence Health Health Policies
Defence Health Health offers 86 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.
Hospital Cover
52 policies covering private hospital treatment, from $58.00* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).
Extras Cover
28 policies covering general treatment (dental, optical, physio, etc.), from $12.10* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.
Combined Cover
6 policies bundling both hospital and extras coverage, from $79.65* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.
*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with Defence Health Health directly. Update profile settings ↑
Defence Health Health Pricing Overview
Based on PrivateHealth.gov.au data (last updated 7 April 2026), Defence Health Health's policies for Single cover start from:
Hospital Only
Extras Only
Combined
*Prices reflect your profile: Single, NSW, Age 30, $500 excess.
Actual premiums may vary — always obtain an official quote from Defence Health Health before making decisions. Update your profile ↑
Customer Reviews
What Defence Health Specialises In
Find policies suited to your situation. Prices are indicative only.
Hospital CoverageExtras CoverageAll prices shown are indicative only and were last updated using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.
Customer Service Record & Complaints
Defence Health Health competes primarily with other mid-sized insurers focused on competitive pricing and simplified product ranges. Key competitors include Medibank, Bupa, and NIB.
Based on official data from the Private Health Insurance Ombudsman (PHIO), Defence Health has a Good Service Record.
13.13Complaint Rateper 1% market share1%Investigation Rate1% required formal investigation99%Resolution Rate99% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26 (Jul–Sep 2025). Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.
Complaint breakdown
Quarter-on-Quarter: down 25% (28 → 21 complaints)Complaints per Quarter
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
Top Complaint Categories — All Insurers CombinedHow AIA Health Addresses These
Good Service Record — resolves most member concerns before they escalate to the Ombudsman.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.
Defence Health Health vs Industry Average - Complaint Rate per 1% Market Share
Defence Health's rate appears higher due to small market share (1.6%). With just 21 complaints, the normalised calculation inflates the number. In absolute terms, far fewer than major insurers.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
How to Resolve Issues
Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Update Q1 2025-26 (Jul–Sep 2025). Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct). This page reflects the most recent publicly available PHIO data. Last updated: December 2025.
Learn how Ombudsman ratings are calculated →Compare Defence Health Health to Competitors
How Defence Health compares to other Australian health insurers based on pricing, service record, and product range.
Defence HealthMedibankBupa*For Single in NSW. Service record data from PHIO Q1 2025-26. Update profile ↑
Contact & Support
PhoneGeneral: 1800 335 425Claims: 1800 335 425Mon-Fri 8am-6pm AESTEmailinfo@defencehealth.com.auOnlinehttp://www.defencehealth.com.auMailPO Box 7518MelbourneVIC3004Frequently Asked Questions
All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 7 April 2026 and may change. Always verify current information with official sources.
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