Restricted fund for police and emergency services.
2026 premium increase
+2.53%
Industry average: +4.41%(-1.88 pts vs avg)
Effective 1 April 2026.
About Police Health
Restricted access fund for current and former police officers, emergency services workers and their families. Member-owned, not-for-profit.
Typical strengths
- Top-tier gold cover focus
- High claims-paid ratio
Things to weigh up
- Eligibility restricted
Premium increases — last 5 years
How Police Health's gazetted average increase has tracked against the industry each April.
Police Health has beaten the industry average 4 of the last 5 years.
Source: Department of Health, Disability and Ageing, gazetted premium rounds 2022–2026. Years without a published figure are shown as gaps, not zero.
How Police Health 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 Police Health's size would suggest.
Market share
0.6%
Share of all Australians with private health cover.
Member retention
91.2%
Members who stayed with the fund across the year.
Charges with no/known gap
91.2%
Hospital-related charges covered with no gap or a gap agreed up front.
Extras charges covered
64.3%
Average share of extras bills the fund's benefits pay.
Premiums returned as benefits
93.9%
Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.
Agreement private hospitals
507
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 Police Health policy currently open to new members, straight from the Government's PHIO dataset.
- Basic—
- Bronze—
- Silver—
- Gold1
1
Extras-only policies
From $106/mo
1
Combined policies
Full hospital and extras coverage bundled together
Cheapest hospital premium
Per month, before rebate
How Police Health's hospital cover prices compare
Each row shows the whole market's monthly premiums for that tier, with Police Health's own open policies marked in purple.
Police Health has no open policies at this level for the selected cohort.
Police Health has no open policies at this level for the selected cohort.
Police Health 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 Police Health's extras cover prices compare
Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.
Police Health has no open policies at this level for the selected cohort.
Police Health 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 Police Health against the market — with an advisor
Same price as joining Police Health direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.
Police Health 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.