The Police Health Plan provides the cover for you and your family when you need it most.
Independently owned and operated by Police Health Plan Limited, a subsidiary of the Police Welfare Fund, our Health Plan is focused on the health of members and their families.
About the plan
All plans include Surgical as your base cover which covers the cost of surgical procedures, this also includes a Funeral Benefit and Birth Benefit (conditions apply). You can then choose to add either the Basic or Comprehensive Plan on top of this for additional benefits such as optical, dental, audiology on the Comprehensive Plan.
Who can join
Police Health Plan is part of the Police Welfare Fund members package. You can also join your partner, children and grandchildren (including daughters/sons-in-law). For further details see Membership Conditions.
How to apply
You need to be a member of the Police Welfare Fund to join the Police Health Plan. If you are not a Police Welfare Fund member join here.
What is a Pre-Existing Medical Condition?
Pre-existing Medical Condition - Is any health sign, symptom or condition occurring or existing before the policy commencement date, or in relation to any policy upgrade after the policy commencement date, before the date of upgrading, or in relation to any spouse or child/ren member added to the policy after the policy commencement date, before the spouse or child/ren member was added to the policy. This includes any condition that occurs or exists at any time and relates to a sign, symptom or circumstance of which the member was aware, or ought reasonably to have been aware, at the policy commencement date or at the date of the upgrading, or at the date the member was added to the Policy.
We offer a reduced premium for selecting a voluntary excess. This excess applies to all surgical procedures, not including Surgery with a GP, Private Medical Hospital Admission, and the Public Hospital Cash Benefit.
Changing your Police Health Plan cover
You can amend your cover (e.g. change plans or your excess) and add a partner, and/or child or grandchildren to your existing cover.
Changing your excess
The excess applies from the date you pay the new premium.
If you choose to switch to a lower or no-excess option, a 90-day stand-down period will apply before the lower or no-excess option commences and all conditions that were existing under the previous higher voluntary excess, will still incur the higher excess, regardless of when any procedure on this condition is carried out.
$2,500 payable on the death of a Police Health Plan member.
The benefit is paid to the next of kin who is responsible for the deceased's affairs, including funeral arrangements. Any dispute will be referred to the Police Welfare Fund. The benefit will be paid to whomever at the discretion of the Fund - generally the deceased estate.
The Benefit Year
The benefit year is from 1 July to 30 June. There are annual maximums you can claim up to. All claims are debited against the the benefit year the treatment was received.
GST is included.