Our Cover

FREEDOM TO CHOOSE your recognised doctor or health care provider.

WE'RE THE ONLY FUND in Australia which offers rollover benefits.

GENEROUS BENEFITS we pay 80% of the cost of most Extras services.

Cover designed specifically for first responders.

The nature of health insurance is that you never know what health services you might need or when you might need it.

That's why Emergency Services Health only specialise in top-level cover for complete peace of mind. We don't overload you with options, or opt-ins or opt-outs.

As simple as 1, 2 or 3

We make your private health insurance choices as simple as possible by offering three products whilst maximising value.
Choose Extras Only: Rolling Extras, Hospital Only: Gold Hospital or both: Gold Combined.

Extras cover with 80% back on most services and a unique Rollover benefit.

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Comprehensive, top-level hospital with no excesses, co-payments, exclusions or benefit limitation periods.

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Our top-level hospital combined with extras cover to give you complete peace of mind.

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How we're different is why we're better

Each of our products include comprehensive ambulance cover.

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Most of our Extras roll with you from one calendar year to the next.

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We only offer Gold level hospital cover as we believe anything less would be a disservice to you.

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Lodging claims has never been easier with Emergency Services Health.

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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.

Search for a Contracted Hospital

We strongly recommend you contact us on 1300 703 703 prior to your admission to confirm your benefit entitlement. If you choose a non-contracted hospital you may incur out-of-pocket expenses for hospital-related services irrespective of your level of cover.

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Important information about our Hospital cover.

What's not covered?

Non-exhaustive list*

Services incurred before waiting periods have been served.
Treatment for which Medicare does not pay a benefit, including cosmetic surgery. (Some benefits may be payable for hospital treatment following this surgery. Please call us for more details.)
Services that are provided outside of the Commonwealth of Australia.
Services where an entitlement exists or may exist under any compensation, sports club or third party insurance.
A claim for a service that is submitted more than two years after the date of service.
Outpatient services, unless there is an agreement between Emergency Services Health and the hospital.
Pharmaceuticals not related to the reason for hospitalisation or not covered under the agreement with the hospital or provided on discharge.
Exceptional high-cost drugs where no or limited benefits are paid.
Prostheses items that are not included on the Federal Government approved list.
Charges greater than the benefit defined in the Federal Government’s Prostheses List.
Personal and take-home items, e.g. newspapers, toiletries, television, hairdressing, manicure, etc.
Treatment provided to a person in a private hospital emergency department.
Aged care and accommodation in an aged care facility.
If you’re in hospital for more than 35 consecutive days and not classified as an acute care patient, your benefits will significantly reduce.
Benefits for ambulance services covered by a third party arrangement such as a State/Territory transportation scheme.

* This provides a general description of what is not covered. These are not “excluded or restricted” hospital treatments or services. Should you require information about a particular treatment or benefit please call us on 1300 703 703.