Defence Health Limited (AHB)

At Defence Health our members are just like family.

More than 249,000 Australians, all with connections to Defence, are part of our family. And if you decide to join us, you’ll discover why they stay.

To us, family is the most important thing. That’s why we are not-for-profit and all for the benefit of our members. We offer a range of hospital and extras cover that can be mixed and matched to meet your needs.

We have combined the best of our hospital and extras cover into two convenient options for Permanent ADF and Reservist packages – this includes partner-only and children-only cover.

We’ve been providing great value health insurance with genuine care, support and expertise for more than 60 years. So if you want excellent service and generous benefits from an insurer that cares, you’re in the right place.
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

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.


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 93.6% 87.4%
Management expenses (% cont) 5.7% 8.5%
Management expenses (average policy) $182 $265
Surplus 0.7% 4.1%
Member retention (%) 91.2% 84.5%
Hospital Related Charges Covered 81.3% 90.5% 94.2% 91.5% 95.5% 91.7% 95.1% 89.2%
Industry Result 81.0% 89.5% 93.2% 90.1% 95.4% 93.1% 93.7% 87.7%
Medical Services with No Gaps 77.9% 91.4% 94.9% 90.8% 95.1% 84.8% 91.8% 84.8%
Industry Result 78.0% 89.1% 92.6% 89.2% 93.5% 83.4% 92.6% 82.1%
Medical Services with No or Known Gaps 88.4% 94.6% 98.1% 94.6% 98.8% 92.0% 97.8% 92.6%
Industry Result 83.0% 90.7% 95.8% 91.5% 96.0% 95.0% 95.9% 88.5%
General Treatment (extras) Covered 42.8% 47.3% 50.7% 48.3% 53.3% 48.5% 48.0% 47.3%
Industry Result 46.7% 51.3% 52.4% 54% 55.7% 54.7% 53.1% 54.1%
Private Hospital Agreements 5 93 76 50 28 19 5 2
Industry Maximum 8 93 77 55 29 21 5 2
Day Hospital Agreements 9 87 69 42 24 22 3 1
Industry Maximum 9 93 71 48 26 22 4 1
Share of PHIO complaints Compared to fund's market share
Benefit Complaints 1.2% 1.7%
Service Complaints 0.2%
All Complaints 0.8%
Investigations 0.6%
PO Box 7518
VIC  3004

Phone: 1800 335 425

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