Some of the benefits of insuring with The Doctors' Health Fund

We pay up to $500 on optical claims

The average time we keep our glasses is a bit over 2 years. So instead of a one year claim limit we made it a two year claim limit, doubling the amount you can claim at one time.

As both our extras products offer the same high optical limit, contact lens users also benefit.

Our 100% covered dental check up

First, you can choose your dentist. No tracking down a participating fund dentist, or waiting for a fund clinic appointment. 

Then, we will pay 100% of the cost on 10 general check up items likely to be included in your regular dental check up. These items include several different types of consultation plus the scale, clean and fluoride. Each person on your extras health insurance policy can use this benefit twice per year, the benefit payments revert to fixed benefits for any further claims for these items in that year.

Click through to see product descriptions for Essential Extras and Total Extras

Hospital insurance from $379.40 per year with more cover

Lower cost hospital insurance usually excludes cover for some Medicare recognised treatments.

Our Smart Starter hospital insurance excludes a small range of services; pregnancy and birth related services, assisted reproductive services, sterilisation, hip and knee replacements and glaucoma treatment. Cardiac surgery is covered but only as a private patient in a public hospital.

However, Smart Starter includes cover for services which many lower cost health insurance products either do not cover or only cover on restricted basis. These services include; elbow replacement, dialysis, cataract and eye lens procedures, rehabilitation, psychiatric services, palliative care, medical cardiac and cardiac related services.

Overall, our hospital insurance products are highly competitive offer strong benefits at a reasonable price.

If you are interested in a higher level of hospital cover we also offer the following products:

• Prime Choice is comparable to the top cover offered by other funds and include pricing options with excess payments
• Top Cover offers unique premium cover

Top Cover pays benefits up to AMA List fees

With its unique medical gap cover scheme Top Cover offers you complete choice of doctor and a benefit on every claim, just request your doctors bills be submitted directly to the Fund not to Medicare.

This gap scheme doesn't require your doctor to agree to be paid a specific fee. We simply pay the a benefit to either cover the bill, or cover it up to the AMA List fee. If there is any amount owing after the benefit is paid this should be settled directly with the doctor.

Other ways we make your health insurance flexible and convenient

• we offer our hospital products and extras products as standalone products, so you can create a combination to suit you or just take one type of cover. Plus, you can alter all or part of your cover when you need to
• call us and you will find we pick up the phone, there is no automated system to wade your way through
• we use email as a regular channel of communication to handle your inquiries, so even if you think of it late a night you can drop us a line
• fax is also key channel of communication for our members
• we encourage you to ask questions, we want you to understand your health insurance and be comfortable that it fits your needs

To find out more browse the website or call us on 1800 226 126 or drop us a line to info@doctorshealthfund.com.au to get your questions answered.