Defence Health Limited (AHB)
At Defence Health our members are just like family.
More than 249,000 Australians, all with connections to Defence, have joined our family. And if you decide to join us, you’ll discover why they stay.
Like any good family, we support each other through good times and bad, and always take the time to listen.
To us, family is the most important thing. That’s why we are not-for-profit and all for the benefit of our members. That’s why we’ll defend your right to the very best cover and protection.
If you want great value health insurance from an insurer that cares about your wellbeing and always provides excellent service, you’re in the right place.
If you have any questions we’re just a phone call away. We’re always here to help because that’s what family is for.
Defence Health Limited provide further information regarding:
Agreement Hospitals
This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.
Business Structure
This insurer is a mutual organisation that operates on a not-for-profit basis.
Defence Health Limited operates in all states and territories.
Membership restrictions
Can you join the family? The Defence community is a far-reaching group. At its core are ADF members (permanent, and Reservists serving 20 or more training days in a financial year) and their partners and their children. There are others in the Defence community whose contributions to the security of the nation are less obvious. If you have one of the following Defence connections you are also eligible to join our family. Past service - If you have previously served in the ADF (permanent or Reserve). ADF supporters - If you currently work or have worked in the Department of Defence and other Defence-related departments; or for a Defence supplier – a company or agency contracted to the Department of Defence, where you are or were involved in the supply of goods and services to Defence. Extended families of all above - If you’re the mum or dad, son or daughter, sister or brother, grandchild or partner/ex-spouse of a serving or ex-serving ADF member or of an ADF supporter.
Performance
This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported for states in which the insurer does not have a large membership.
| Ombudsman complaints compared to market share | ||
|---|---|---|
| All complaints | 1.5% | 2% market share |
| Investigated complaints | 2.2% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 91.0% | 86.5% |
| Benefits as % of contributions | 76.4% | 81.1% |
| Management expenses % of contribution income | 12.0% | 10.8% |
| Management expenses per average policy | $552 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 83.6% | 88.5% | 91.3% | 88.9% | 91.6% | 90.0% | 92.1% | 88.6% | 89.6% |
| Industry Result | 81.8% | 88.7% | 90.5% | 88.9% | 92.6% | 92.4% | 92.4% | 88.6% | 89.9% |
| Medical Services with No Gaps | 79.3% | 89.6% | 89.8% | 91.2% | 88.4% | 88.8% | 92.0% | 89.5% | 89.7% |
| Industry Result | 75.6% | 89.3% | 87.3% | 87.8% | 89.0% | 88.9% | 91.2% | 86.7% | 88.3% |
| Medical Services with No or Known Gaps | 92.6% | 96.9% | 98.5% | 98.0% | 99.3% | 98.1% | 98.9% | 96.1% | 97.8% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 37.4% | 39.1% | 42.3% | 42.0% | 46.4% | 42.5% | 40.1% | 43.3% | 41.7% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 5 | 91 | 67 | 50 | 20 | 21 | 2 | 1 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 8 | 90 | 70 | 47 | 24 | 20 | 6 | 2 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |
Melbourne
VIC 3004