Who can join?

Police Health is a restricted access health insurer. Membership is available to past and present employees of SAPOL. This is further extended in the policing community, to include others, such as the partners and children of eligible persons who are also eligible to have membership with Police Health.

When do I pay premiums?

There are a range of payment options available. Premiums can be automatically paid fortnightly from your state police salary or by direct debit from your financial institution. Alternatively you can receive a renewal notice every 3, 6 or 12 months.

Do excesses apply for hospital stays?

No, we offer top cover with the products Top Hospital, Platinum Health and Platinum Plus. For further peace of mind, these products do not ask for daily co-payments, restrictions or have exclusions.

What happens if I change my mind on the cover I want?

Police Health provides a cooling-off period for new members or existing members who change their level of cover.

We will refund in full and without penalty any premiums paid during the cooling-off period, or additional premiums paid, provided that the request to cancel the new policy or cover change is received in writing within 30 days of commencement and there have been no benefits paid relating to the new policy or cover change.

For more information see our Cooling Off Policy.

How soon can I claim?

Your cover will start as soon as your application has been approved and relevant premiums are paid. Waiting periods may apply so check how this might affect your membership before you join.

New members have a waiting period before they can make a claim and these can be found in our brochure. Waiting periods may not apply if they have been served with another insurer prior to joining Police Health.

Contact our office on if you are unsure.

How do I claim benefits?

Lodging claims with Police Health is simple. Hospital bills are usually sent direct to us by the hospital and we pay them on your behalf.

With the majority of medical claims and extras claims, such as dental and optical, most service providers will process invoices on the spot using eftpos-style claiming facilities. On the spot claiming is not available for orthodontic, complementary therapies, occupational therapy and psychology.

If the medical or extra service does not have on the spot claiming available, you can download and use the Police Health Claiming App on your smart phone, or simply post, email or fax your account and claim form to Police Health and we will do the rest.

Go to Making a claim for further information on claiming benefits through Police Health, including the Access Gap Cover and Prompt Pay schemes.

How do I change to Police Health?

Simply fill out an application form and fill in the section called `Transferring from another health fund' and we will handle all the paperwork and inform your previous insurer that you wish to cancel your cover. Depending on your previous health insurer, the cancellation may take effect immediately, or you may have to wait until the end of a billing period.

Once you have filled out a Police Health application we will contact them regarding your clearance form.

Call us if you have any queries ph: 8112 7000 Adelaide  local, 1800 603 603 other areas.

What do I receive after joining?

After the clearance and application process is finalised you will receive two letters one confirming your application and the second confirming your clearance certificate has been received providing details on any waiting periods that have been removed. All new memberships will receive a welcome pack in the mail which includes your membership card/s and relevant information about Police Health and your cover. This process usually takes approximately two weeks.

Can I remain a member once I’ve left the police?

Yes, once you've established eligibility to join Police Health you retain the right of membership. Your dependents are also eligible to remain on your policy.

Are there other conditions?

You should read the information in relation to member conditions, waiting periods, pre-existing conditions and Standard Information Statements in the Important Information section.