Police Health (SPE)
We’re here to provide you and your family with health cover like no other. We listen and care about your wellbeing and health insurance needs. And, as a not-for-profit organisation without shareholders, we return much more in benefits for members. Let us prove it to you.
With over 57,000 members of Australia’s policing community already choosing Police Health, and a member satisfaction rating of 98% - you only have to ask around, or read online reviews, to find out just how good membership with us can be. To learn more, visit our website or call our friendly team on 1800 603 603. We’re here to help.
Police Health provide further information regarding:
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.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Police Health operates in all states and territories.
Police Health is a restricted access health insurer primarily for current employees of a State, Territory or Federal police department, service or association. Additionally all former employees of South Australia Police are able to join Police Health, as are former employees of other police services or associations who resigned or retired after 1 January 2001. Others eligible for membership include their partners (spouse or defacto), former partners, dependent children and their adult children (as well as partners and dependent children of these adult children).
The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.
|Benefits as a % of contributions||91.1%||85.8%|
|Management expenses (% cont)||6.8%||8.9%|
|Management expenses (average policy)||$381||$322|
|Member retention (%)||91%||82%|
|Hospital Related Charges Covered||91.2%||90.9%||93.6%||92.6%||97.7%||93.7%||95.7%||92.7%|
|Medical Services with No Gaps||80.5%||87.7%||86.7%||88.8%||90.9%||81.7%||89.2%||83.3%|
|Medical Services with No or Known Gaps||96.5%||95.3%||97.2%||96.5%||99.4%||94.4%||98.5%||94.7%|
|General Treatment (extras) Covered||65.2%||65.9%||68.9%||68.5%||71.1%||69.4%||67.8%||69.5%|
|Private Hospital Agreements||6||94||77||50||25||20||8||2|
|Day Hospital Agreements||7||91||72||44||25||23||4||1|
|Share of PHIO complaints||Compared to insurer's market share|