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.
This information is provided by the fund

Defence Health Limited provide further information regarding Gap cover doctors, Agreement hospitals and Preferred providers .

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 view Agreement Hospitals for this fund in your region and further details are available from the fund.

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.


The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health funds. The following is a selection of statistics about this health fund - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some funds in some states, as there are insufficient numbers reported to APRA for states in which the fund does not have a large membership.

Performance Fund Industry
Benefits as a % of contributions 95.2% 87.1%
Management expenses (% cont) 6.1% 8.5%
Management expenses (average policy) $206 $276
Surplus -1.3% 4.4%
Member retention (%) 91.1% 84.8%
Hospital Related Charges Covered 83.9% 90.6% 94.3% 92.4% 94.8% 92.2% 93.3% 90.4%
Industry Result 82.4% 89.9% 93.0% 90.7% 95.1% 93.7% 93.8% 88.4%
Medical Services with No Gaps 78.5% 91.7% 95.0% 91.8% 94.0% 87.6% 92.4% 86.2%
Industry Result 77.6% 89.6% 89.5% 86.9% 90.8% 83.4% 89.3% 77.5%
Medical Services with No or Known Gaps 91.1% 95.2% 98.5% 95.8% 99.3% 93.6% 98.0% 94.4%
Industry Result 84.8% 91.7% 94.0% 90.2% 95.9% 94.2% 94.1% 87.9%
General Treatment (extras) Covered 43.2% 47.7% 50.4% 49.7% 53.7% 48.7% 47.7% 47.9%
Industry Result 47.5% 51.2% 52.5% 54.4% 56.1% 56.1% 53.5% 56.3%
Private Hospital Agreements 5 94 77 50 27 19 5 2
Industry Maximum 6 97 78 53 29 21 6 2
Day Hospital Agreements 8 85 70 41 24 23 3 1
Industry Maximum 9 91 73 47 25 24 7 1
Share of PHIO complaints Compared to fund's market share
Benefit Complaints 0.7% 1.8%
Service Complaints 0.9%
All Complaints 0.6%
Investigations 0.3%
PO Box 7518
VIC  3004

Phone: 1800 335 425

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