Health Cover

Protecting the health of our members.

Cover you and your family can trust, when you need it most.

Independently owned and operated by Police Health Plan Limited, a subsidiary of the Police Welfare Fund, the Plan is focused on the health of members and their families.


What's Covered and Conditions

All plans cover surgical costs and include a Funeral Benefit.

Basic and Comprehensive plans include general medical costs with Comprehensive providing cover for optical, dental and audiology treatment costs. Different levels of cover can be selected to suit each family member’s needs.

Select one of three plans below and decide on your surgery excess - $0, $500 or $1000.

What's Covered

(effective for treatments from 1 July 2018)

Cover Maximums

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.

For further details see Membership Conditions. 


Funeral Benefit

$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.


Excess Option

There is a premium discount for selecting a voluntary excess on surgical cover. The excess is deducted from the total paid for each surgical claim. The surgical excess does not apply to the following surgical cover benefits: Surgery with a GP, Private Medical Hospital Admission and the Public Hospital Cash Benefit.

If an excess has been selected on the surgical cover, the excess applies from the date the new premium is paid.

If you choose a voluntary excess and then choose to switch to a lower one or no excess, a 90-day stand-down period will apply before the lower or no excess commences. All conditions that were existing under the previous higher excess will still incur that excess if any procedure on this condition is carried out after switching to a no excess cover.

Plan premiums and excess options


Who can Join

Police Health Plan is part of the Police Welfare Fund membership package. You need to be a member of the Police Welfare Fund to join.

Open to family

You can also join your partner, children and grandchildren (including daughters/sons-in-law).

To apply

Complete a Health Plan Membership Application.  You need to be a member of the Police Welfare Fund to join. 


View Police Health Plan Brochure 

Get a copy of the Police Health Plan Rules