ADF Total Package Gold
Compare 86 Defence Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Defence Health
ADF Total Package Gold
$580.62
Pregnancy and birth covered
Joint replacements covered
Back, neck and spine covered
Emergency and non-emergency ambulance covered
100% back on optical lenses
Excess
Why this cover
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $324.92
- Excess
- $0 – $500
- Hospital tier
- Gold
Good Service Record1.47× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
Hospital Cover
38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
25 covered2 not covered
Defence Health Dental Network dentistsNo-gap dental check-ups at a Defence Health Dental Network dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
No annual limit on preventive dental
Endodontic
$950/person1 yr
Root Canal Therapy: $117.4
General Dental
Unlimited2 mo
Periodic Exam: $37.6 or no gap at Defence Health Dental NetworkScale & Clean: $71.4 or no gap at Defence Health Dental NetworkFluoride: $21.2 or no gap at Defence Health Dental Network
Major Dental
$950/person1 yr
Extraction: $124.7Full Crown (Veneered): $801.6
Orthodontic
$800/person1 yr
Braces (Upper & Lower): $800
Optical
$255/person2 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$1,000/person2 mo
1st visit: $65Next visit: $45
Acupuncture
$300/person2 mo
1st visit: $31Next visit: $27
Chiropractic
$750/person2 mo
1st visit: $47Next visit: $33
Exercise Physiology
$1,000/person2 mo
1st visit: $30Next visit: $24
Occupational Therapy
$1,000/person2 mo
1st visit: $85Next visit: $45
Osteopathy
$750/person2 mo
1st visit: $47Next visit: $33
Physiotherapy
$850/person2 mo
1st visit: $59Next visit: $41
Psychology
$1,000/person2 mo
1st visit: $102Next visit: $77
Remedial Massage
$300/person2 mo
1st visit: $31Next visit: $27
Speech Therapy
$1,000/person2 mo
1st visit: $107Next visit: $52
Chinese Herbal Medicine
-Antenatal/Postnatal
$1,000/person2 mo
1st visit: $40Next visit: $40
Audiology
$1,000/person2 mo
1st visit: $72Next visit: $52
Dietetics
$1,000/person2 mo
1st visit: $59Next visit: $33
Hearing Aids
$1,000/person1 yr
Hearing Aid: $1000
Orthotics
$1,000/person1 yr
Orthotics: $300
Podiatry
$1,000/person2 mo
1st visit: $47Next visit: $33
Home Nursing
-Glucose Monitor
$1,000/person1 yr
Glucose Monitor: $400
Health Management
$300/person2 mo
Health Management: $120
Non-PBS Pharmaceuticals
$400/person2 mo
Prescription: $80
Vaccinations
$400/person2 mo
Vaccination: $80
Defence Health
ADF Total Package Gold
$580.62
Pregnancy and birth covered
Joint replacements covered
Back, neck and spine covered
Emergency and non-emergency ambulance covered
100% back on optical lenses
Excess
Frequently Asked Questions
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