Family of 3 sitting together

In short

Gold Combined cover brings together comprehensive Hospital and Extras benefits at a reduced premium, giving families complete, affordable peace of mind.

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What's the best family private health insurance for police?

That all depends on your needs, but a combination of Hospital and Extras will give you the most cover. 

It's why there are many benefits to Police Health's Gold Combined cover. 

Gold Combined brings together our Gold Hospital and Rolling Extras at a reduced premium, making complete peace of mind even more affordable.  

Gold Combined includes all of the benefits from our Gold Hospital and Rolling Extras products, plus additional benefits for corrective laser eye surgery.* 

It's also great for families who know the importance of expecting the unexpected, and investing in the health and wellbeing of themselves and loved ones.

Simply the Best

Tackle your life with the confidence that comes with Hospital Cover with No Exclusions or Excess*, and Extras Cover with high limits and great rebates.

Revolutionary Limit Rollover

Most unused annual limits roll over into the next year and combine with the current year’s limit. For example, if you didn’t claim on Optical last year, your $350 limit would rollover into this year, and you could claim up to $700 on Optical.*

Freedom of Choice

We don’t have a preferred provider network, instead we give you the freedom to choose your preferred hospital, doctor and any other service provider as long as the provider is recognised by us.

Unlimited Ambulance

Enjoy 100% national Ambulance cover for emergency transport, clinically required non-emergency transport and treatment not requiring transport (excluding third party arrangement such as a State/Territory government ambulance scheme or subscription). 

Plus, there are many more details that we've laid out below. 

Dental and private health insurance

Our Gold Combined cover comes with dental insurance. This covers many common services like checkups for cavities and gum disease, and scale and cleans for removing plaque and general cleaning. 

This can be very helpful as most dentists say it's good practice to take your children to the dentist not long after they start teething, and continue regular visits from then on. 

However, unlike a trip to the GP these appointments for your kids will most likely not be partially covered or covered in full by Medicare. 

You can reduce your out-of-pocket costs with Police Health's Rolling Extras cover or Gold Combined cover. 

As parents need to look after their teeth too, this cover can save your family a lot of stress and money. 

How much does the dentist cost and how does Police Health help?

It's a question we're always asked, and to help Police Health keep our General Dental and Major Dental separate. 

This removes the impact that costly procedures can have on your annual maximum. This means your Major Dental category is not exhausted by these services and is available if your children need more complex dental services. 

While most funds structure their dental cover in a similar way, we create great value by offering benefits on more services under General Dental (some service limits apply). 

See how else our dental cover can help your kids

Speech pathologists to help tackle big milestones

Some of the biggest junctures for your children's early development are around communication.  

It's a critical time for language development, but what do you do if you think your little one needs some help? 

Every child's development is different, but no matter how well it's progressing , Police Health's private health insurance can help. 

This help includes covering some of the costs of Speech Pathology which specialises in; 

  • Working with kids who have difficulties with speech
  • Language, voice, fluency
  • Social communication
  • Cognitive-communication and swallowing food or drinking safely 

Hearing aids and help for school

In Australia, three to six children in every thousand have some degree of hearing loss and around 1,300-1,500 Australian children under 17 are fitted with hearing aids for the first time. 

It may be common knowledge that private health insurance can help cover some of the costs of hearing aids, but did you know about the other benefits? 

With Police Health you can claim devices that children require for school. 

These are commonly specialised accessories that could help your kids hear clearly in classroom settings, such as a Phonak Roger Device. 

This helps improve hearing in challenging situations like a classroom by wirelessly transmitting a teacher's voice from a microphone directly to a hearing aid or cochlear implant. 

Optical cover and better vision

Children’s eyes are checked from birth as part of regular health and development checks.  

These early checks help identify major eye conditions like cataracts or retinoblastoma, but they don’t pick up everything.   

As your child grows, it’s important to continue monitoring their vision, especially before they start school.  

Kids don’t always know if their eyesight is blurry, so issues like short-sightedness or a lazy eye can go unnoticed.   

And after you have kids, you may need glasses because the most common age to get glasses is around 40 years old.  

The main reason is that Presbyopia, age-related farsightedness, is most common at this age. Presbyopia makes it difficult for people to view nearby objects with clarity. 

Plus, modern day glasses have many features that are helpful to the rough nature of policing. 

When to get children an eye test

It’s recommended children have a full eye examination by an optometrist at around 3–5 years of age—even if there are no obvious signs of a problem. 

If your child does need glasses or contact lenses, our optical benefits can help cover the costs.  

To read about our cover, extra discounts and more, read our optical benefits guide. 

The 7 health checks you should think about for your children

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Sore bodies need help

Whether it's the demanding nature of police work, giving your kids a piggy back or chasing them around home, your body can be put under a lot of strain. 

The good thing about Police Health's cover is that there are generous benefits for the following; 

  • Physiotherapy
  • Exercise Physiology
  • Chiropractic 

Hospital cover for families

Police know about the challenges that come with everyday life, but you can feel extra safe when they know they have hospital cover for some of those unexpected hospital trips that their kids need. 

Some of these include; 

  • Tonsil removal (tonsillectomy)
  • Grommets in ears (ear tube surgery)
  • Treatment for frequent ear infections
  • Appendicitis surgery (appendectomy)
  • Sleep studies (for breathing/sleep issues) 

Plus, we don't have preferred providers so as long as the doctor is recognised and the hospital is contracted with Police Health, you can choose who treats you and still be covered under our great hospital cover. 

Is another baby on the cards?

If you cancel your private health insurance and rejoin because you want to have another baby, you'll have to re-serve the pregnancy waiting periods. 

This may leave you with significant out-of-pocket costs, and is an important part of private health pregnancy cover to consider. 

Single parents are covered

Police Health understands there are many things to juggle as a single parent. It's one of the many reasons why we offer cover for single parents. 

For more information about this, read our Premium Benefits Guide. 

*All benefits may be subject to Waiting Periods, Annual Maximums, Limits and other conditions. Full cover applies to recognised hospitals where an agreement is in place. Rollover applies once you've completed your first 12 months membership (2 years for Major Dental). Providers must be recognised by us. Review the cover tables on the Combined, Hospital and Extras pages, and your State Premium Benefit Guide or contact us for more information.