Police Health (SPE)

Police Health is a not-for-profit private health insurer run by police for police. It was originally created exclusively for the benefit of South Australian police employees and their families way back in 1935 but has now expanded to embrace the health insurance needs of Police nationally. It remains a fund exclusively for police employees and is the only police-based fund in Australia. Over many years Police Health has built an excellent reputation for providing very high quality, value-for-money private health cover with an emphasis on simple, less confusing cover that is easy to understand.
This information is provided by the fund

Police Health 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.

Police Health operates in all states and territories.

Membership restrictions

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).

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

Performance Fund Industry
Benefits as a % of contributions 87.4% 87.1%
Management expenses (% cont) 6.7% 8.5%
Management expenses (average policy) $337 $276
Surplus 5.9% 4.4%
Member retention (%) 90.8% 84.8%
Coverage ACT NSW VIC QLD SA WA TAS NT
Hospital Related Charges Covered 59.9% 80.9% 95.3% 92.6% 98.3% 92.5% 96.3% 92.2%
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 59.8% 66.7% 68.0% 70.5% 73.8% 71.2% 68.8% 71.6%
Industry Result 47.5% 51.2% 52.5% 54.4% 56.1% 56.1% 53.5% 56.3%
Private Hospital Agreements 6 88 72 47 28 17 5 1
Industry Maximum 6 97 78 53 29 21 6 2
Day Hospital Agreements 7 77 63 39 23 21 3 1
Industry Maximum 9 91 73 47 25 24 7 1
Share of PHIO complaints Compared to fund's market share
Benefit Complaints - <0.5%
Service Complaints -
All Complaints 0.1%
Investigations 0.5%
Address
320 King William Street
Adelaide
SA  5000


Phone: 1800 603 603
Email: enquiries@policehealth.com.au
Website: http://www.policehealth.com.au

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

Policies

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