Defence Health Limited (AHB)

Defence Health is a not-for-profit insurer providing comprehensive hospital covers and extras covers. We have policies to suit singles, couples, families and children. We also have policies tailored specifically to the needs of the ADF. Check under the performance tab to see how our focus on members delivers you better value for money.
This information is provided by the fund

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

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

Membership is restricted to people with a Defence connection. That means someone who is currently or was formerly employed in the ADF, Department of Defence and related agencies/departments, or with a Defence industry supplier or contractor where the employee is or was involved in the supply of goods or services to Defence. The extended family of these people are also eligible to join. Extended family includes the spouse or partner, child, grandchild, brother or sister, mother, father or former spouse of the person with the Defence connection. People with Defence Health insurance as at 12 October 2007 are also eligible to re-join.

Performance

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 PHIAC for states in which the fund does not have a large membership.

Performance Fund Industry
Benefits as a % of contributions 93.3% 86.9%
Management expenses (% cont) 5.4% 8.8%
Management expenses (average policy) $166 $263
Surplus 1.2% 4.3%
Member retention (%) 91.8% 87.8%
Coverage ACT NSW VIC QLD SA WA TAS NT
Hospital Related Charges Covered 83.0% 90.8% 94.1% 91.9% 95.8% 91.4% 94.2% 90.4%
Industry Result 81.4% 89.1% 93.3% 90.4% 95.7% 92.9% 93.5% 88.3%
Medical Services with No Gaps 78.9% 90.5% 94.2% 90.5% 96.0% 82.3% 91.1% 87.8%
Industry Result 77.8% 88% 91.5% 88.2% 93.6% 81.6% 89.3% 81.5%
Medical Services with No or Known Gaps 87.8% 94.6% 97.7% 94.8% 98.8% 90.8% 97.5% 93.5%
Industry Result 82.2% 89.8% 92.2% 90.9% 96% 94.7% 95.4% 87.8%
General Treatment (extras) Covered 42.0% 46.3% 49.8% 48.5% 52.0% 46.9% 46.1% 46.2%
Industry Result 45.8% 50.6% 51.4% 52.6% 55% 52.7% 51% 52.1%
Private Hospital Agreements 4 90 76 49 30 18 5 1
Industry Maximum 5 90 76 54 30 21 6 1
Day Hospital Agreements 10 81 67 42 24 21 3 1
Industry Maximum 10 85 72 49 25 21 4 1
Share of PHIO complaints Compared to fund's market share
Benefit Complaints 1.4% 1.7%
Service Complaints 0.7%
All Complaints 0.9%
Investigations 0.8%
Address
PO Box 7518
Melbourne
VIC  3004


Phone: 1800 335 425
Email: info@defencehealth.com.au
Website: http://www.defencehealth.com.au

To view a list of Defence Health Limited products, please complete the following:

Policies

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