Police Health (SPE)

Police Health and Emergency Services Health offer gold level health insurance dedicated to the police and emergency services community. With over 90,000 members Australia-wide, we’re the health fund of choice for police officers, emergency services workers and volunteers, and their families.

If you’re part of Australia’s police and emergency services community you’ll appreciate that the unexpected, critical and severe can lie just around the corner, which is why we only offer top cover as we believe anything less would be a disservice to you.

Our friendly team are ready to answer any queries you have about our cover, your current policy or health insurance in general. We understand health insurance can be confusing, so get in touch if you have any questions – no matter how trivial you believe they may seem.

Looking out for each other extends beyond the job and our members really are our biggest advocates. So ask around, chat to your colleagues or read online reviews from others in the first responder community – they’ll assure you Police Health and Emergency Services Health is cover like no other.

This information is provided by the insurer

Police Health provide further information regarding:

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 see Agreement Hospitals for this insurer and further details are available from the insurer.

Business Structure

This insurer is a mutual organisation that operates on a not-for-profit basis.

Police Health operates in all states and territories.

Police Health polices are sold under a number of different brands, including:

  • Emergency Services Health

Membership restrictions

Applicants must meet certain qualifying criteria to join either Police Health or Emergency Services Health, as Police Health Limited is a restricted access private health insurer. Police Health is restricted access private health insurance for currently or previously employed Australian police officers and police employees/volunteers, as well as retired and former police officers, of state, territory or federal police departments, unions and associations. Emergency Services Health is for those who are or were employed/volunteered in the Fire Response & Recovery Sector, Ambulance & Medical Response & Recovery Sector, Water Response & Recovery Sector or the State Emergency Response & Recovery Sector. Eligibility also extends to close relations of the aforementioned, such as dependent children, adult children, adult children’s partner/spouse, adult children’s dependent children, partner/spouse, former partner/spouse, parents, siblings, sibling’s partner/spouse, sibling’s dependent children, grandchildren, grandchildren’s partners and grandchildren’s dependent children. If you’re unsure of your eligibility, please get in touch via the contact details below. We’re here to help.


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.

Ombudsman complaints compared to market share
All complaints 0.2% 0.5% market share
Investigated complaints 0.8%
Health Insurer Retention and Finances Industry result
Member retention (hospital cover) 92.2% 88.6%
Benefits as % of contributions 86.9% 83.1%
Management expenses % of contribution income 7.1% 9.9%
Management expenses per average policy $429 $375
Coverage ACT NSW VIC QLD SA WA TAS NT Australia
Hospital Related Charges Covered 82.9% 91.4% 93.9% 91.0% 96.2% 92.2% 94.9% 89.6% 92.8%
Industry Result 82.9% 89.4% 91.5% 89.7% 93.4% 92.7% 92.9% 89.3% 90.6%
Medical Services with No Gaps 75.2% 87.7% 85.9% 88.0% 88.8% 86.1% 87.2% 84.8% 87.6%
Industry Result 76.9% 89.7% 88.0% 88.8% 89.7% 88.5% 91.4% 87.5% 88.8%
Medical Services with No or Known Gaps 89.1% 95.7% 97.3% 97.0% 99.4% 97.3% 98.6% 95.0% 97.7%
Industry Result 92.3% 96.7% 97.9% 97.2% 99.3% 97.5% 98.8% 96.5% 97.4%
General Treatment (extras) Covered 62.7% 65.2% 66.3% 66.0% 69.4% 67.3% 65.9% 67.3% 67.2%
Industry Result 47.0% 49.1% 50.8% 52.5% 56.4% 56.6% 52.6% 58.4% 52.0%
Private Hospital Agreements 5 97 74 51 20 22 5 2 -
Industry Maximum 6 98 76 60 23 24 9 2 -
Day Hospital Agreements 8 87 67 48 25 19 6 1 -
Industry Maximum 9 103 79 57 30 24 8 2 -
320 King William Street
SA 5000