See how your current cover stacks up against our plans. If unsure, speak to one of our experts to understand your cover options.
Tired of being left in the dark by your health insurer?
At Doctors’ Health Fund, we believe in transparency, fairness, and standing by our members when it matters most.
If you're ready for a better experience, we’re here to help.
Who are you covering?
Have questions? Call us on 1800 226 126
Why choose Doctors' Health Fund?
The only health fund made for doctors, their families, and the medical community, we look after members with better value health cover and personalised service that recognises your time is precious
Market-leading gap cover - 93% of medical services covered with no gap¹
Our members rated us 95% for satisfaction in 2025²
Real people, real service. We’re here to help when you need us most
We treat every claim with care because we know what it means to you
We are part of Members Health Fund Alliance MHFA and we put your health first - always.
Make switching feel easy and stress-free
Pick the plan that fits your life and budget best.
We’ll handle the paperwork — no hassle, no stress.
Don’t take our word for it. See what our members say about us.
Excellent cover - on everything. Very helpful customer service. Excellent coverage that exceeds expectations.
Protecting our members: a question of trust
Choosing your health cover is a long-term investment in your health and wellbeing. Learn more about our commitment to our members.
Your medical history can’t stop you getting health insurance
Did you know health insurance premiums aren't affected by claim history, health status or age?
AMA benefits: lowering your out-of-pocket expenses
We offer the best medical gap cover in Australia on Top Cover Gold, reducing out of pocket costs for patients and admin for treating practitioners.
FAQs
Switching is simple - our team at Doctors’ Health Fund will manage the entire process for you, including closing your previous policy and requesting your transfer certificate to facilitate your cover continuing without interruption.
A transfer certificate is a document your previous insurer must provide within 14 business days. It outlines important details like any waiting periods already served, your level of cover, Lifetime Health Cover loading, Age-Based Discount, and any unused extras benefits that can carry over.
If you’re switching to a policy with similar benefits, you generally won’t need to re-serve waiting periods for services you were already covered for. This means you may be able to start claiming straight away.
Once we receive your transfer certificate, we’ll confirm whether any waiting periods apply.
If you’re new to private health insurance, standard waiting periods will apply before you can claim on certain services.
There are three easy ways to claim:
- At your extras provider using HICAPS or HealthPoint – simply swipe your card and pay the gap.
- Via the Doctors’ Health Fund app – snap a photo of your receipt and submit it in seconds.
- Through Online Member Services (OMS) – upload your receipt directly via your account.
You can also email or post a completed claim form if you prefer.
Most claims are processed within 2–3 business days, and our friendly Member Services team is always here to help on 1800 226 126.
Important to know
1 Private Health Insurance Ombudsman, State of the health funds report 2024, Ombudsman’s website.
2 Annual member satisfaction survey, October 2024.
Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, (ACN 001 417 527). Cover is subject to the terms and conditions (including waiting periods, limitations and exclusions) of the individual policy, available at www.doctorshealthfund.com.au/our-cover.