Get more value and benefits from your private health insurance, without the hassle.

A trusted fund for the emergency services community and their family members.


If you're looking for top quality private health insurance, you're in the right place.

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If you’re part of Australia’s emergency services community, you’ll understand how tough, how demanding, and how fragile life can be.

That's why Emergency Services Health only specialise in top-level cover - for complete peace of mind.

At Emergency Services Health, we make your private health insurance choices as simple as possible to ensure maximum value. We don’t cut corners, we don’t overload you with options, or opt-ins or opt-outs. Our products are simple, high quality and designed for life.

An exclusive Rollover benefit^      

No excess, co-payments or exclusions on hospital cover^

Freedom to choose your own provider^

80% of the service fee on most extras^

We're Australia's only health insurance group providing a rollover on your unclaimed Extras.

If you don't use it, you don't lose it!

Join Emergency Services Health, and you can carry over any unclaimed Annual Maximums on most of your extras from one calendar year to the next*

*Rollovers begin once you've complete your first 12 months membership (two years for Major Dental) Other conditions may also apply.

Can I join?

If you work or volunteer for an Australian emergency services, or your're now retired, you can move to Emergency Services Health. We cover single, couples, single parent families - and we also accept your close relations.

A Better Deal on Hospital

When compared with the big brands equivalent top level, no excess hospital policies we're cheaper, and we offer:

  • Your choice hospital, doctor or service provider, as long as they're registered and recognised by us^
  • No exclusions, excesses, copayments or benefit restriction limits
  • All in-patient procedures where Medicare pays a benefit
  • 100% ambulance cover for emergency & clinically required transport or on the spot treatment

^Services providers must be recognised by us and may be subject to waiting periods and other conditions.

The very best health insurance since 1935.

A simple truth, if you're happy, we're happy.

As part of the Police Health Group, Emergency Services Health knows what it means to be a first responder.

98% satisfaction

Police Health is rated highly among members for customer satisfaction with a score over 98%*.

* Member Satisfaction Research, Members Health Fund Alliance, 2019

Hassle free claiming.

With the majority of extras claims available on the spot, all you have to do is swipe your membership card, pay any out of pocket gap and you're done!

Iphone and Ipad is a trademark of Apple Inc. registered in the U.S. and other counties.

"I can say this is the best there is. Emergency Services Health offered a really comprehensive package."

Kathy Turner, SES NSW

Here to help


Will you pay benefits towards my Pilates treatment?


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Contracted and Recognised Hospitals

Contracted and Recognised Hospitals

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IVF and other Assisted Reproductive Services

Emergency Services Health's Gold Hospital and Gold Combined includes cover for in-hospital services relating to In vitro fertilis

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FAQ: Premium Increase

Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2019.

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Pregnancy and private health insurance

If you’re thinking of starting a family, now’s a great time to review your health insurance to make sure you’re happy with, and understand, your co

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Benefit Statements

Just received a benefit statement from us and want to know more? Take a look at these frequently asked questions. 

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Non-recognised hospitals

Regrettably following negotiations, Emergency Services Health through the AHSA have been unable to reach agreement with Toowong Private Hospital on

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Pharmaceutical benefits

Under extras cover you’re eligible to receive pharmaceutical benefits towards prescription items that are not eligible for subsidy under the Govern

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Benefits limit for Extras

Private health insurers generally calculate an average charge for services and set their benefits based on those amounts.

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Your choice of doctor

We give you freedom to choose.

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