If you can join a members-only fund
Police Health membership is restricted to members of Australia's police community, and their families. Check who can join before you compare its cover.
Police Health insurance
Is it a good health insurer?
Police Health has 1 hospital policy and 1 extras policy in our comparison, from $216.29 a month for hospital cover (Single · NSW, after rebate).
Issued by Police Health Limited. Hospital, extras or both.
Explore 1 hospital product and 1 extras product, or find cover by treatment. Sources for Police Health
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 6 August 2026
I need cover for…
Compare cover across all Australian health funds.
Police Health cover: the main choices.
Who can join
Police Health policies and example prices.
The profile you choose updates the Police Health price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need a Police Health price for your circumstances? Compare Police Health with cover across all Australian health funds.
Compare my optionsHospital cover
1 product line
Extras cover
1 product line
Police Health also sells Gold Combined as one policy with both hospital and extras cover. It costs $326.32 a month for the Single · NSW example, after rebate.
What does Police Health hospital insurance cover?
1 Police Health hospital policy fully covers cataracts
Single · NSW · $0 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories for the one hospital policy
Selected Police Health treatment categories.
What the Police Health extras policy pays back.
Police Health extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Why Police Health's shared limits and waiting periods matter
The optical benefit shown has a standard waiting period of 2 months.
Police Health vs. Teachers Health vs. Defence Health
How Police Health compares with similar hospital policies.
These are selected Gold examples from Teachers Health and Defence Health, not identical policies or a search for the cheapest cover across the market.
Comparing Police Health Gold Hospital with Teachers Health Top Hospital (Gold) and Defence Health Top Hospital Gold. Single · NSW · $0 hospital excess · Gold hospital cover
Police Health and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.
These alternatives match Police Health Gold Hospital on tier, cataracts and joint replacements. Like Police Health, these funds limit membership to their eligible communities, so check that you qualify. How we choose alternatives
Compare all 38 hospital treatment categories
Police Health and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare Police Health with cover from every Australian health fund.
Police Health against the industry.
Police Health members had no gap on 85.7% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Police Health paid 62.5% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Police Health increased premiums by an average of 2.53% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
4 / 5
46 Google reviews
Voluntary customer reviews · Police Health head office on King William Street in Adelaide
Snapshot: 26 October 2026. This is the Google listing for Police Health head office on King William Street in Adelaide, not a rating of Police Health as a whole or a representative survey. This small sample may not reflect the experience of most members.
Complaint share is close to market share, but investigated complaints are higher
Share of all complaints, 2024-250.5%
Market share, 30 June 20250.6%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
Police Health's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 1.8%, above its market share.
Latest quarter, January to March 2026. The Ombudsman referred 7 complaints about Police Health Limited to it to resolve, 1.1% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
App Store
1.9 / 5
79 App Store ratingsPolice Health app · Police Health Limited
Snapshot: 23 October 2026. This rates the Police Health app on the Australian App Store, not Police Health's cover or claims. This small sample may not reflect the experience of most members.
Google Play
2.0 / 5
99 Google Play reviewsPolice Health app · Police Health
Snapshot: 23 October 2026. This rates the Police Health app on Google Play, not Police Health's cover or claims. This small sample may not reflect the experience of most members.
Check the practical details.
Check your provider
Confirm that Police Health recognises your provider. Ask for a treatment plan and item numbers so Police Health can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use Police Health's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact Police Health
For sales and member services, call 1800 603 603.Contact details checked 23 October 2026.Official contact details and messaging options
Before you choose Police Health.
Can anyone join Police Health?
No, Police Health membership is restricted to members of Australia's police community, and their families. Check that you qualify before comparing its cover.
Source: Police Health policy statement, checked 26 October 2026.
Is Police Health a not-for-profit fund?
Yes, Police Health's government insurer profile says it operates on a not-for-profit basis. Compare the policy benefits and price, as the business structure does not decide value for your needs.
Source: Government insurer profile, checked 23 October 2026.
What is the cheapest Police Health hospital policy?
Gold Hospital is the cheapest Police Health hospital policy for a single person in NSW with no hospital excess, at $216.29 a month after the 24.118% government rebate for adults under 65 (prices effective 6 August 2026). It is the only Police Health hospital policy in our comparison, so compare it with cover from other funds before you choose.
Source: How we compare prices, checked 26 October 2026.
Sources for Police Health.
Policy information retrieved 26 October 2026. Prices effective 6 August 2026.
Private Health Information Statements · Police Health · checked 26 October 2026
State of the Health Funds Report 2024-25 · Police Health · checked 26 October 2026
Government insurer profile · Police Health · checked 23 October 2026
Government premium-increase figures · Police Health · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Police Health head office on King William Street in Adelaide · Police Health · checked 26 October 2026
App Store listing for Police Health · Police Health Limited · checked 23 October 2026
Google Play listing for Police Health · Police Health · checked 23 October 2026
Official contact details · Police Health · checked 23 October 2026
Police Health policy statement · Police Health · checked 26 October 2026
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