{"fund":"Police Health","fund_label":"Police Health","fund_slug":"police-health","fund_code":"SPE","fund_type":"restricted","restriction":"Members of Australia’s police community, and their families.","restriction_details":"Applicants must meet certain qualifying criteria to join Police Health, as Police Health Limited is a restricted access private health insurer. \n\nPolice Health is restricted access private health insurance for currently or previously employed Australian police officers and police employees/volunteers, as well as retired and former police officers, of state, territory or federal police departments, unions and associations. \n\nEligibility also extends to close relations of the aforementioned, such as dependent children, adult children, adult children’s partner/spouse, adult children’s dependent children, partner/spouse, former partner/spouse, parents, siblings, sibling’s partner/spouse, sibling’s dependent children, grandchildren, grandchildren’s partners and grandchildren’s dependent children.\n\nIf you’re unsure of your eligibility, please get in touch via the contact details below. We’re here to help.","description":"Police Health offers gold level health insurance dedicated to the police community. With over 100,000 members Australia-wide, we’re the health fund of choice for police officers, and volunteers, and their families.\n\nIf you’re part of Australia’s police community you’ll appreciate that the unexpected, critical and severe can lie just around the corner, which is why we only offer top cover as we believe anything less would be a disservice to you. \n\nOur friendly team are ready to answer any queries you have about our cover, your current policy or health insurance in general. We understand health insurance can be confusing, so get in touch if you have any questions – no matter how trivial you believe they may seem. \n\nLooking out for each other extends beyond the job and our members really are our biggest advocates. So ask around, chat to your colleagues or read online reviews from others in the first responder community – they’ll assure you Police Health is cover like no other.","website":"http://www.policehealth.com.au","phone":"1800 603 603","states":["ALL","NSW","NT","QLD","SA","TAS","VIC","WA"],"brands":[],"source":"Private Health Insurance Ombudsman, 'PrivateHealth.gov.au' monthly data release on data.gov.au (the policy data behind privatehealth.gov.au, supplied by every registered health insurer).","licence_note":"Source data is published by the Commonwealth of Australia (Private Health Insurance Ombudsman) under the Creative Commons Attribution 3.0 Australia licence; Deep Almanac's normalised files may be reused with attribution to both. Premiums are before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount, and change without notice. This is reference data, not financial or health advice.","note":"Each policy's cover_profile, waiting_profile and extras_profile point into cover_profiles, waiting_profiles and extras_profiles below, which list the clinical categories covered, restricted and not covered, the waiting periods, and the extras services covered.","policy_count":84,"hospital_policy_count":28,"combined_policy_count":56,"cover_profiles":{"cover1":{"covered":["assisted_reproductive","back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","cataracts","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","dialysis","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","hospital_psychiatric","implantation_hearing_devices","insulin_pumps","joint_reconstructions","joint_replacements","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","pain_management_with_device","palliative_care","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","rehabilitation","skin","sleep_studies","tonsils_adenoids_grommets","weight_loss_surgery"],"restricted":[],"not_covered":[]}},"waiting_profiles":{"waiting1":{"sub_acute":{"value":2,"unit":"month"},"pre_existing":{"value":12,"unit":"month"},"pregnancy_birth":{"value":12,"unit":"month"},"other":{"value":2,"unit":"month"}}},"extras_profiles":{"extras1":["acupuncture","chinese_herbal_medicine","chiropractic","dental_general","dental_major","dietetics","endodontic","exercise_physiology","glucose_monitor","hearing_aids","non_pbs","occupational_therapy","optical","orthodontic","orthoptics","orthotics","osteopathy","physiotherapy","podiatry","psychology","remedial_massage","speech_therapy","vaccinations"]},"policies":[{"product_item_id":"9F920C55-A680-4BAB-836B-E6FC8D9645C5","product_id":"5f46b126-d6d6-4e5b-aaae-40cdaa3b0cfa","product_code":"J1/NABV20","fund":"Police Health","fund_label":"Police Health","fund_slug":"police-health","fund_code":"SPE","fund_type":"restricted","brands":[],"name":"Gold Combined","product_type":"combined","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"gold","premium_monthly":860.08,"premium_hospital_monthly":569.62,"premium_extras_monthly":290.46,"excess_type":"none","excess_per_person":null,"excess_per_policy":null,"excess_per_admission":null,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":38,"categories_restricted":0,"categories_not_covered":0,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":23,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://policehealth.com.au/gold-combined","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. Benefits for a number of treatments that fall outside the mandated clinical categories are included, such as; Travel and Accommodation, Hospital at Home, Home Nursing, Aids & Appliances (such as CPAP Machines), Nourish baby, lactation consultants and antenatal education. Eligible members can also gain access to chronic disease management programs including; Type 2 Diabetes, Cancer Support, Osteoarthritis and Coronary Heart Disease.","funds_product_code":"ACT_GoldCombined_C"},{"product_item_id":"4AAA29EE-E834-47E0-8919-3BEEFB18A966","product_id":"f43391e3-3150-486f-b790-4df9017df58f","product_code":"H2/NAAW20","fund":"Police Health","fund_label":"Police Health","fund_slug":"police-health","fund_code":"SPE","fund_type":"restricted","brands":[],"name":"Gold Hospital","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"gold","premium_monthly":570.05,"premium_hospital_monthly":561.35,"premium_extras_monthly":null,"excess_type":"none","excess_per_person":null,"excess_per_policy":null,"excess_per_admission":null,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":38,"categories_restricted":0,"categories_not_covered":0,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://policehealth.com.au/gold-hospital","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":null,"other_features":"This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. Benefits for a number of treatments that fall outside the mandated clinical categories are included, such as; Travel and Accommodation, Hospital at Home, Home Nursing, Aids & Appliances (such as CPAP Machines), Nourish baby, lactation consultants and antenatal education. Eligible members can also gain access to chronic disease management programs including; Type 2 Diabetes, Cancer Support, Osteoarthritis and Coronary Heart Disease.","funds_product_code":"ACT_GoldHospital_C"},{"product_item_id":"41EF81B8-AFA7-45BF-82C7-E22792555D79","product_id":"61c91cb0-1acb-479e-a0b6-e9e2ebb7076f","product_code":"J1/NABW2D","fund":"Police Health","fund_label":"Police Health","fund_slug":"police-health","fund_code":"SPE","fund_type":"restricted","brands":[],"name":"Gold Combined","product_type":"combined","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"gold","premium_monthly":860.08,"premium_hospital_monthly":569.62,"premium_extras_monthly":290.46,"excess_type":"none","excess_per_person":null,"excess_per_policy":null,"excess_per_admission":null,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":38,"categories_restricted":0,"categories_not_covered":0,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":23,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://policehealth.com.au/gold-combined","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. 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Eligible members can also gain access to chronic disease management programs including; Type 2 Diabetes, Cancer Support, Osteoarthritis and Coronary Heart Disease.","funds_product_code":"ACT_GoldCombined_EF"},{"product_item_id":"1ECFE7C1-30ED-46E3-A990-7270B883CD82","product_id":"d78a8539-1eea-476c-bde1-fcf93e6b87c9","product_code":"J1/NAIB2P","fund":"Police Health","fund_label":"Police Health","fund_slug":"police-health","fund_code":"SPE","fund_type":"restricted","brands":[],"name":"Gold Combined","product_type":"combined","state":"NSW","household":"family","adults":2,"dependant_types":["child","disability","non_classified","non_student","student"],"tier":"gold","premium_monthly":1054.22,"premium_hospital_monthly":657.88,"premium_extras_monthly":396.34,"excess_type":"none","excess_per_person":null,"excess_per_policy":null,"excess_per_admission":null,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":38,"categories_restricted":0,"categories_not_covered":0,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":23,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://policehealth.com.au/gold-combined","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. 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Eligible members can also gain access to chronic disease management programs including; Type 2 Diabetes, Cancer Support, Osteoarthritis and Coronary Heart Disease.","funds_product_code":"ACT_GoldCombined_CF"},{"product_item_id":"38904A3D-37AE-4343-9EF5-F337897F216E","product_id":"45044e27-176a-4b79-ac60-ee035bfaacc6","product_code":"H2/NAAX2D","fund":"Police Health","fund_label":"Police Health","fund_slug":"police-health","fund_code":"SPE","fund_type":"restricted","brands":[],"name":"Gold Hospital","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"gold","premium_monthly":570.05,"premium_hospital_monthly":561.35,"premium_extras_monthly":null,"excess_type":"none","excess_per_person":null,"excess_per_policy":null,"excess_per_admission":null,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":38,"categories_restricted":0,"categories_not_covered":0,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://policehealth.com.au/gold-hospital","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":null,"other_features":"This policy supports greater choice in hospital and service provider – covering a large number of contracted hospitals, and also meeting reasonable fees charged by non-contracted hospitals. 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