Restricted fund for the medical community.
2026 premium increase
+3.67%
Industry average: +4.41%(-0.74 pts vs avg)
Effective 1 April 2026.
About Doctors' Health Fund
Restricted access fund (owned by Avant) for medical practitioners, students and their families. Known for high gold-tier cover and strong specialist agreements.
Typical strengths
- Premium gold-tier cover
- Strong specialist no-gap arrangements
Things to weigh up
- Eligibility restricted to medical community
Premium increases — last 5 years
How Doctors' Health Fund's gazetted average increase has tracked against the industry each April.
Doctors' Health Fund has come in under the industry average in every one of the last 5 rounds.
Source: Department of Health, Disability and Ageing, gazetted premium rounds 2022–2026. Years without a published figure are shown as gaps, not zero.
How Doctors' Health Fund performs for members
Size, complaints, retention and how much of a hospital bill members actually see covered — from the Ombudsman's 2023–24 report.
Complaints share
0.3%
Fewer complaints than Doctors' Health Fund's size would suggest.
Market share
0.5%
Share of all Australians with private health cover.
Member retention
90.1%
Members who stayed with the fund across the year.
Charges with no/known gap
92.2%
Hospital-related charges covered with no gap or a gap agreed up front.
Extras charges covered
51.6%
Average share of extras bills the fund's benefits pay.
Premiums returned as benefits
81.2%
Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.
Agreement private hospitals
502
Private hospitals with agreements, where members are covered with no or known gaps.
Source: Commonwealth Ombudsman, State of the Health Funds Report 2023–24, and Comparify's hospital agreement dataset.
Open policies right now
Every Doctors' Health Fund policy currently open to new members, straight from the Government's PHIO dataset.
- Basic—
- Bronze1
- Silver—
- Gold2
3
Extras-only policies
From $15/mo
7
Combined policies
Full hospital and extras coverage bundled together
Cheapest hospital premium
Per month, before rebate
How Doctors' Health Fund's hospital cover prices compare
Each row shows the whole market's monthly premiums for that tier, with Doctors' Health Fund's own open policies marked in purple.
Doctors' Health Fund has no open policies at this level for the selected cohort.
Doctors' Health Fund has no open policies at this level for the selected cohort.
VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.
How Doctors' Health Fund's extras cover prices compare
Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.
Doctors' Health Fund has no open policies at this level for the selected cohort.
- Everyday extras
- General dental and everyday services — no major dental
- Mid extras
- Major dental covered, orthodontics not covered
- Top extras
- Major dental and orthodontics both covered
Compare Doctors' Health Fund against the market — with an advisor
Same price as joining Doctors' Health Fund direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.
Doctors' Health Fund questions, answered honestly
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See all explainersOther funds we compare
Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026). Comparify compares a subset of these funds through its advisors.