Emergency Services Health

If you want top quality, top value private health insurance you're in the right place!

Think you have the very best top level cover...are you sure? How we are different is why we are better.

Emergency Services Health - the very best cover for first responders.

For you and your family.

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.

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A Better Deal on Hospital

We're cheaper than the big brands equivalent top level, no excess, hospital policies and we offer...
• Your choice hospital, doctor or service provider, as long as they're registered and recognised by us^
• No exclusions, excesses, co-payments, 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.

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Manage your health cover 24/7

Download the Emergency Services Health App from your app store today to
easily make claims, access your benefit limits or manage your membership.

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.

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We’re part of the Police Health Group

Police Health Group has provided the very best private health insurance since 1935. The fund now covers over 57,000 members of the policing community across Australia — and it’s growing by the day.

Police Health’s focus on offering top cover in three easy-to-understand policies — Extras, Hospital, and Combined — saw high demand from other first responders wanting the very best insurance. That’s why the Group established Emergency Services Health.

Registered as its own fund, but part of the Police Health Group, Emergency Services Health is now available to first responders like you.

Ready to switch? You can do it today!

Did you know you’re not tied into your current health cover?

If you want to move to Emergency Services Health, you can — straight away.

• we’ll handle your transfer from your existing fund on your behalf
• 30 day cooling off period to ensure that you’re happy
• any waiting periods you’ve already served switch with you

Why we’re different is why we’re better…

Emergency Services Health is a not-for-profit, members own fund. That makes us very different to shareholder-owned insurers, whose investors expect to be paid a dividend every year.

We're a private health insurer that understands the needs of the emergency services community.

Everything we do is for the health and wellbeing of the communities we serve…the first responders of Australia and their families.

"Our policy not only came in cheaper than our previous insurer but the benefits were better and the customer service was miles ahead!"

EMERGENCY SERVICES HEALTH MEMBER

Here to help

Helpguide

Contracted and Recognised Hospitals

Contracted and Recognised Hospitals

Helpguide

IVF and other Assisted Reproductive Services

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

Helpguide

FAQ: Premium Increase

Premiums have been reviewed by the Minister for Health and will be increasing as of 1 April 2018.

Helpguide

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

Helpguide

Benefit Statements

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

Helpguide

Non-recognised hospitals

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

Helpguide

Pharmaceutical benefits

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

Helpguide

Benefits limit for Extras

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

Helpguide

Your choice of doctor

We give you freedom to choose.

Helpguide

Medicare Levy Surcharge (MLS)

Medicare Levy Surcharge (MLS) is a levy you should be aware of. Most Australian taxpayers are charged a 2% Medicare Levy.

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Can't find what you're looking for?

Call us on 1300 703 703, email us, or use our enquiry form.