The Doctors' Health Fund

Flexible health cover, choose and change to suit your needs

Get a quick overview of our product range from the descriptions below. Then click through for full details.

Our customer service team is available on 1800 226 126 or at info@doctorshealthfund.com.au to assist you with any questions you may have.

 
Top Cover for hospital - unique premium cover 

• Cover for 100% of hospital costs in public hospitals and contracted private hospitals.
• Benefits for hospital in-patient medical services are based on the AMA list fee.  Submit your claims to the Fund not to Medicare for benefit payments to be arranged. Medicare pays 75% of the Medicare schedule fee, your Fund benefits pay up to a total equal to the AMA list fee.
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Prime Choice for hospital - comparable to other funds top cover

• Either choose cover for 100% of hospital accommodation and service costs in public hospitals and contracted private hospitals, or
• Select an excess of $250 or $500 that you will pay towards hospital costs before being covered for 100% of hospital accommodation and service costs in public hospitals and contracted private hospitals.
• For medical services when you are an hospital in-patient benefits paid are paid under the Access Gap Cover scheme if treated by a participating doctor
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 Smart Starter for hospital – when you just don’t need some things

• You pay an excess of $500 towards hospital costs before being covered for 100% of hospital accommodation and service costs in public hospitals and contracted private hospitals.
• For medical services when you are an hospital in-patient benefits paid are paid under the Access Gap Cover scheme if treated by a participating doctor
• This cover has limits and exclusions on medical procedures, some of those procedures are pregnancy related services, cardio-thoracic surgery, glaucoma treatment, hip and knee replacements.
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Total Extras for ancillary services – top cover with better benefits

• Comprehensive extras cover with high limits
• For those who need general and major dental cover
• Great optical cover
• Strong non-PBS pharmaceutical cover
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Essential Extras for ancillary services – better mid-range cover

• Good general dental cover
• Great optical cover
• Strong non-PBS pharmaceutical cover
• A wide range of therapies are covered
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