Get more value and benefits from your private health insurance, without the hassle.
Did you know lodging claims with Emergency Services Health is easy? Here's everything you need to know on how to claim with our Extras and Hospital cover.
As Australia’s healthcare system fast returns to pre-pandemic capacity, we’ve been monitoring claiming behaviour and access to services closely in order to balance our commitment to providing COVID-19 relief, while still ensuring we can pay benefits towards the services you need.
Stay up to date with the latest information about COVID-19 here.
Understanding our ambulance cover
Your private health insurance guide to hospital
Rollover Benefit Explained
Find a Doctor - Access Gap Cover Search
Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of a hospital stay for people with private health insurance. We have arrangements with a majority of doctors around Australia where, in most cases, our members will be fully covered for in-hospital medical treatment, or will at least be advised prior to treatment of any gaps that might exist.
You can search for participating doctors by specialist group, doctor name, and locality. You can also call us on 1300 703 703 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.
Find a Contracted Hospital
We have agreements with most private hospitals that are likely to be be accessed by members. These agreements (as part of Police Health Limited) ensure that an agreed schedule of fees (including in-patient accommodation, thatre and special unit accommodation fees as appropriate) is charged by the hospital and paid by us on our member's behalf.
Please note that a member's benefit entitlements will be affected by factors such as their level and type of cover and the financial status of their membership. This will affect the amount we will reimburse to the hospital. We strongly recommend you contact us on 1300 703 703 to confirm your benefit entitlement prior to recieving hospital treatment. If you choose a non-agreement hospital you may incur out-of-pocket expenses for hospital related sevices irrespective of your level of cover.
Where can I claim on the spot using my member card?
We like to make claiming on your health insurance easy, and one of the easiest ways to make a claim is through HICAPS – the system that lets you swipe your Emergency Services Health membership card to make a claim on the spot. HICAPS claiming isn’t available for everything, but this handy search function will help you identify times when it likely is.