Better value health cover? We’re with you.

Is Smart Starter Bronze Plus hospital cover right for you?

Looking for affordable health insurance without compromising on essential coverage? Smart Starter Bronze Plus is designed for singles and couples seeking entry-level private hospital cover at an affordable price.

With ambulance cover included, you’ll have peace of mind knowing you’re protected in emergencies. Plus, enjoy coverage for key inpatient services like gynaecology, joint reconstructions, and dental surgery - services often excluded from lower-tier plans.

We take care of all your hospital accommodation costs (after any excess) in contracted private hospitals, day facilities, or as a private patient in a public hospital.

What makes Doctors’ Health Fund better than basic?

The government’s tier system - Basic, Bronze, Silver and Gold - makes it easier to compare private hospital cover options. Each tier outlines what’s included or excluded, helping you make informed decisions about your healthcare.

At Doctors’ Health Fund, we skip the limitations of Basic cover. Instead, we offer Smart Starter Bronze Plus, which includes everything in a Basic and Bronze plan and even some services typically reserved for Silver plans.

While Basic plans may have lower premiums, they often fall short in private hospital coverage. In emergencies, Australia’s public health system (Medicare) has you covered but if you need timely access to non-emergency treatments like surgery, Basic plans may leave you waiting or paying high out-of-pocket costs as a private patient.

With Smart Starter Bronze Plus, you get ambulance cover included, broader hospital coverage, and greater value for your money - so you can focus on your health without compromise.

To discuss the right cover for you, contact our expert team on 1800 226 126 for an individual quote.

We know that price isn’t everything, that’s why we’re made for so much more.

As part of Avant, we are ultimately owned by doctors and are proudly member focused. Here are just a few reasons to join us:

• We are highly rated by our members, with a 94% member satisfaction rating in 2024¹.
• Market leading gap cover with 93% of medical services covered with no gap compared to an industry average of 87.7%².
• We value freedom of choice with no restrictive preferred provider networks for extras.
• We support your needs as a consumer and as a medical professional, with medical benefits up to AMA list of medical services and fees on Top Cover Gold hospital cover, now with a $750 excess option.
• We’re part of Members Health Fund Alliance, a peak industry body for private health insurers that put their members’ health and well-being before profits.

¹ Annual member satisfaction survey, October 2024.

² Private Health Insurance Ombudsman, State of the health funds report 2024, Ombudsman’s website.

IMPORTANT: 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 © Avant Mutual Group Limited 2025.