Defence Health
Registered as Defence Health Limited · fund code AHB · Restricted membership: current or former members of the ADF and the Defence community and their families.
Health insurance
Defence Health sells 1,731 open policies with hospital cover (1,584 hospital-only, 147 combined with extras, counting one per state and household type) in all states, grouped below into 49 products, of which 13 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ADF Top Hospital Gold | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | SPSingle, Single parent | $233.98 – $407.13 | |
| ADF Top Hospital Gold 250 | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | SSingle | $205.44 | |
| ADF Top Hospital Gold 300 | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | PSingle parent | $301.77 – $362.13 | |
| ADF Top Hospital Gold 400 | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | SSingle | $196.34 | |
| ADF Top Hospital Gold 500 | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | PSingle parent | $297.89 – $357.47 | |
| ADF Top Hospital Gold 800 | Gold | Hospital | — | None | 38 | 0 | Corporate | All states | PSingle parent | $284.69 – $341.63 | |
| Connections Hospital Gold | Gold | Hospital | $750 | None | 38 | 0 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $212.26 – $1,096.95 | |
| Defence Hospital Gold | Gold | Hospital | $750 | None | 38 | 0 | CorporateAdd-on | All states | SCFPSingle, Couple, Family, Single parent | $189.84 – $1,052.40 | |
| Premier Hospital Gold | Gold | Hospital | — | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $170.54 – $857.68 | ||
| Premier Hospital Gold 250 | Gold | Hospital | $250 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $148.03 – $789.98 | ||
| Premier Hospital Gold 500 | Gold | Hospital | $500 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $130.23 – $741.00 | ||
| Top Hospital Gold | Gold | Hospital | — | None | 38 | 0 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $150.23 – $751.43 | |
| Top Hospital Gold 250 | Gold | Hospital | — | None | 38 | 0 | All states | SSingle | $131.77 – $264.34 | ||
| Top Hospital Gold 300 | Gold | Hospital | — | None | 38 | 0 | Add-on | All states | CFPCouple, Family, Single parent | $219.10 – $684.19 | |
| Top Hospital Gold 400 | Gold | Hospital | — | None | 38 | 0 | All states | SSingle | $118.21 – $253.26 | ||
| Top Hospital Gold 500 | Gold | Hospital | — | None | 38 | 0 | Add-on | All states | CFPCouple, Family, Single parent | $210.83 – $677.37 | |
| Top Hospital Gold 800 | Gold | Hospital | — | None | 38 | 0 | Add-on | All states | CFPCouple, Family, Single parent | $189.14 – $648.98 | |
| Ultimate Hospital Gold 0 | Gold | Hospital | — | None | 38 | 0 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $186.88 – $1,010.03 | |
| Ultimate Hospital Gold 250 | Gold | Hospital | $250 | None | 38 | 0 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $151.13 – $904.50 | |
| Ultimate Hospital Gold 500 | Gold | Hospital | $500 | None | 38 | 0 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $143.81 – $820.13 | |
| ADF Total Package Gold | Gold | Combined | — | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $201.35 – $876.93 | |
| ADF Total Package Gold 250 | Gold | Combined | $250 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $168.42 – $827.95 | |
| ADF Total Package Gold 500 | Gold | Combined | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $162.46 – $761.65 | |
| Advantage Hospital Silver Plus 500 | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $125.39 – $671.55 |
| Advantage Hospital Silver Plus 750 | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $110.82 – $640.38 |
| Core Hospital Silver Plus 500 | Silver Plus | Hospital | $500 | None | 30 | 1 | Yes | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $89.50 – $502.50 |
| Core Hospital Silver Plus 750 | Silver Plus | Hospital | $750 | None | 30 | 1 | Yes | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $86.95 – $472.60 |
| Defence Hospital Advantage Silver Plus | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $124.86 – $670.23 |
| Defence Hospital Advantage Silver Plus | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $110.29 – $639.05 |
| Defence Hospital Silver Plus | Silver Plus | Hospital | $500 | None | 30 | 1 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $88.63 – $481.58 |
| Defence Hospital Silver Plus | Silver Plus | Hospital | $750 | None | 30 | 1 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $84.82 – $454.45 |
| Value Hospital Silver Plus 250 | Silver Plus | Hospital | $250 | None | 32 | 1 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $120.28 – $672.03 | |
| Value Hospital Silver Plus 500 | Silver Plus | Hospital | $500 | None | 32 | 1 | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $98.33 – $599.10 | |
| Advanced Hospital Bronze Plus | Bronze Plus | Hospital | $500 | None | 26 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $79.52 – $433.44 | |
| Advanced Hospital Bronze Plus | Bronze Plus | Hospital | $750 | None | 26 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $76.16 – $400.33 | |
| Defence Hospital Bronze Plus | Bronze Plus | Hospital | $500 | None | 27 | 2 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $73.53 – $376.65 |
| Defence Hospital Bronze Plus | Bronze Plus | Hospital | $750 | None | 27 | 2 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $69.80 – $346.58 |
| Everyday Hospital Bronze Plus 500 | Bronze Plus | Hospital | $500 | None | 24 | 3 | Yes | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $72.65 – $414.65 |
| Everyday Hospital Bronze Plus 750 | Bronze Plus | Hospital | $750 | None | 24 | 3 | Yes | Add-on | All states | SCFPSingle, Couple, Family, Single parent | $68.71 – $388.67 |
| Saver Hospital Bronze Plus | Bronze Plus | Hospital | $500 | None | 23 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $71.00 – $387.00 | |
| Saver Hospital Bronze Plus | Bronze Plus | Hospital | $750 | None | 23 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $68.00 – $357.44 | |
| ADF Public Hospital Basic Plus | Basic Plus | Hospital | — | None | 0 | 38 | Corporate | All states | SPSingle, Single parent | $125.12 – $217.71 | |
| Defence Hospital Basic Plus | Basic Plus | Hospital | $500 | None | 9 | 3 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $64.20 – $332.65 |
| Defence Hospital Basic Plus | Basic Plus | Hospital | $750 | None | 9 | 3 | Yes | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $59.11 – $306.33 |
| Essentials Hospital Basic Plus 250 | Basic Plus | Hospital | $250 | None | 6 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $67.36 – $332.43 | ||
| Essentials Hospital Basic Plus 750 | Basic Plus | Hospital | $750 | None | 6 | 3 | All states | SCFPSingle, Couple, Family, Single parent | $61.20 – $302.20 | ||
| Public Hospital Basic Plus | Basic Plus | Hospital | — | None | 0 | 38 | NSW, VIC, QLD, SA, WA, TAS | SCFPSingle, Couple, Family, Single parent | $131.91 – $380.40 | ||
| Starter Hospital Basic Plus | Basic Plus | Hospital | $750 | None | 9 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $58.00 – $295.00 | |
| ADF Essentials Package Basic Plus 250 | Basic Plus | Combined | $250 | None | 6 | 3 | Corporate | All states | SCSingle, Couple | $79.65 – $289.58 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products ADF Top Hospital Gold (Gold, hospital); ADF Top Hospital Gold 250 (Gold, hospital); ADF Top Hospital Gold 300 (Gold, hospital); ADF Top Hospital Gold 400 (Gold, hospital); ADF Top Hospital Gold 500 (Gold, hospital); ADF Top Hospital Gold 800 (Gold, hospital); Connections Hospital Gold (Gold, hospital); Defence Hospital Gold (Gold, hospital); Premier Hospital Gold (Gold, hospital); Premier Hospital Gold 250 (Gold, hospital); Premier Hospital Gold 500 (Gold, hospital); Top Hospital Gold (Gold, hospital) and 11 more
Cover profile 2 · 0 of 38 categories covered, 38 restricted, 0 not covered
Restricted Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products ADF Public Hospital Basic Plus (Basic Plus, hospital); Public Hospital Basic Plus (Basic Plus, hospital)
Cover profile 3 · 6 of 38 categories covered, 3 restricted, 29 not covered
Covered Bone, joint and muscle, Dental surgery, Gastrointestinal endoscopy, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gynaecology, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Essentials Hospital Basic Plus 250 (Basic Plus, hospital); Essentials Hospital Basic Plus 750 (Basic Plus, hospital); ADF Essentials Package Basic Plus 250 (Basic Plus, combined)
Cover profile 4 · 9 of 38 categories covered, 3 restricted, 26 not covered
Covered Dental surgery, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Male reproductive system, Miscarriage and termination of pregnancy, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Starter Hospital Basic Plus (Basic Plus, hospital)
Cover profile 5 · 9 of 38 categories covered, 3 restricted, 26 not covered
Covered Bone, joint and muscle, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Ear, nose and throat, Gastrointestinal endoscopy, Hernia and appendix, Joint reconstructions, Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Eye (not cataracts), Gynaecology, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Sleep studies, Weight loss surgery
Products Defence Hospital Basic Plus (Basic Plus, hospital)
Cover profile 6 · 23 of 38 categories covered, 3 restricted, 12 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Weight loss surgery
Products Saver Hospital Bronze Plus (Bronze Plus, hospital)
Cover profile 7 · 27 of 38 categories covered, 2 restricted, 9 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Defence Hospital Bronze Plus (Bronze Plus, hospital)
Cover profile 8 · 24 of 38 categories covered, 3 restricted, 11 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Weight loss surgery
Products Everyday Hospital Bronze Plus 500 (Bronze Plus, hospital); Everyday Hospital Bronze Plus 750 (Bronze Plus, hospital)
Cover profile 9 · 26 of 38 categories covered, 2 restricted, 10 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Advanced Hospital Bronze Plus (Bronze Plus, hospital)
Cover profile 10 · 30 of 38 categories covered, 1 restricted, 7 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Core Hospital Silver Plus 500 (Silver Plus, hospital); Core Hospital Silver Plus 750 (Silver Plus, hospital); Defence Hospital Silver Plus (Silver Plus, hospital)
Cover profile 11 · 32 of 38 categories covered, 1 restricted, 5 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Weight loss surgery
Products Value Hospital Silver Plus 250 (Silver Plus, hospital); Value Hospital Silver Plus 500 (Silver Plus, hospital)
Cover profile 12 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Advantage Hospital Silver Plus 500 (Silver Plus, hospital); Advantage Hospital Silver Plus 750 (Silver Plus, hospital); Defence Hospital Advantage Silver Plus (Silver Plus, hospital)
Extras profiles
Extras profile 1 · 9 services
Services Acupuncture, Chiropractic, General dental, Exercise physiology, Optical, Osteopathy, Physiotherapy, Remedial massage, Vaccinations
Products ADF Essentials Package Basic Plus 250 (Basic Plus, combined)
Extras profile 2 · 25 services
Services Acupuncture, Antenatal and postnatal, Audiology, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Health management programs, Hearing aids, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products ADF Total Package Gold (Gold, combined); ADF Total Package Gold 250 (Gold, combined); ADF Total Package Gold 500 (Gold, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (27 products)
- Waiting profile 2: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (22 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/defence-health.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. Premiums change without notice, usually on 1 April each year, and insurers apply waiting periods, exclusions and eligibility rules not fully captured here. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.