Close up of nurse in scrubs

Emergency service workers need their whole body insured

It pays to look beyond the big brands in insurance!

When it comes to health insurance, there’s so much choice. It’s easy to go with one of the big insurance brands, simply because you know them. But can these big-name brands really offer you the kind of cover and service that a Members Own not-for-profit, restricted access private health fund can?

Follow the money, are your premiums going towards benefiting shareholders or overseas owners?

Restricted health funds: The benefits

Because Members Own health funds focus on members, premiums are used to benefit members not shareholders.

Most restricted funds are open to family members, mainly the immediate family. Previous employment in an industry can mean you’re also eligible to join restricted funds. Belonging to a restricted fund is more than just the health insurance, you contributing back to that same community. 

The only insurance for the emergency services community

Emergency Services Health is the only not-for-profit private health insurer exclusively for the emergency services’ community in Australia. This includes past and present employees and volunteers in the emergency services community including firefighters, paramedics, nurses, doctors, general medical and health practitioners, hospital staff, state emergency services, air rescue, triple zero operators and surf lifesavers.

We go further than just supporting your health – but inject it back into the emergency services community. We rally for you and help support the community by investing back into events and activities that benefit you. Community is a big part of what we do and we believe it’s important that you feel connected to the people who live the life you do.

By being a member of Emergency Services Health, you know your money is going straight back into something that’ll help you and your colleagues. Forget shareholders or overseas owners. Our products are designed to work for you, without any third-party influences.

Use unused benefits

Most funds just allocate a yearly annual limit for each of their Extra benefits. But we understand that life isn’t as structured as this. Meaning, one year you might not use physiotherapy services, and then you have back issues the next. You may even see some health providers like optometrists telling you to “use your optical benefits at the end of year before losing them”. This is why we’ve designed our Rollover Benefits. Many unused annual maximum limits in Extras that are not claimed during one calendar year can be transferred to the following year (on most Extras).

Forget price. Invest in your health.

When choosing your private health insurance, price shouldn’t be the only consideration. Base your decision on total value for money, your policy benefits should be an important part of your decision. For the majority of our Extras services, we can pay up to a generous 80% of the cost (subject to annual limits and waiting periods, this is where our Rollover Benefit comes in handy, and if you are transferring from another health insurer we offer continuity of cover).

To us, insurance value is everything. Avoid cheap, confusing policies and invest a little extra into health insurance that you can actually use.

Remember when you’re reviewing your current private health insurance needs and the many policies out in the market, it’s more than a conversation about price. There’s the benefit amounts, how much you’re covered for, and how long you’ve got to use those benefits.

While the big funds may serve the general public, our restricted health insurance is designed for you, the emergency services community. We want to reward you for the amazing work that you do, we do this by providing comprehensive private health insurance that will have your back through all stages of your life.

You can’t put a price on your health.

Get the cover worthy of the sacrifices you make in protecting the community. Call us on 1300 703 703, Emergency Services Health, today to learn more about our fund.

For people, not profit. 


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