Join the health fund that's on your side

Whether you’re just starting out in your medical career or a seasoned professional, no other health fund meets your needs like we do.

Created exclusively for the medical community, we are the health fund that aligns to the values of the medical profession and supports quality healthcare.

That’s why we have no restricted provider network for our extras cover, and why we have worked so hard to achieve a 96% member satisfaction rating.** 

Here are some of our popular health cover package options:

  • Smart Starter hospital and Basic Extras
    - covers the young, fit and healthy for everything you need and nothing you don’t, like pregnancy and hip replacement
    - value for money hospital cover with some restrictions and exclusions to help reduce premium costs
    - 100% paid on your first dental check up each year***
  • Prime Choice hospital and Essential Extras
    - more comprehensive cover that measures up to the top level cover of other funds, with very competitive premiums
    - 100% cover on the cost of two general dental check-ups per year**
    - $500 optical benefits over two years
  • Top Cover hospital and Total Extras
    - unique hospital cover that pays up to the AMA list of medical services and fees
    - 100% cover on unlimited general dental check-ups as well as high annual limits for major dental
    - $500 optical benefits over two years

You can also mix and match your cover options based on what suits you best.

If you require assistance on choosing the right cover, simply get in touch with our expert Member Services team on 1800 226 126 or email us at

* Terms and Conditions
1. To be eligible for the offer, applications to join Doctors’ Health Fund must be received by 11.59pm (AEST) 25th February 2018. 2. Offer is only available to those who are eligible to join Doctors’ Health Fund restricted access group and who do not currently hold private health insurance with Doctors’ Health Fund. 3. The new member must take out combined hospital and extras cover or hospital only cover to be eligible for the gift. 4. Policy cover start date must commence within the campaign period of 2 January and 25th February 2018. 5. Only one gift will be provided per policy. 6. Member needs to be active and financial for 6 continuous weeks and remain on a combined hospital and extras or hospital only cover to receive the gift. The gift will be issued within 8 weeks of joining the fund. 7. The offer does not apply to policy upgrades, or when a spouse, or dependant is added to an existing Doctors’ Health Fund policy. 8. This offer is not available to those who have held an active health insurance membership with Doctors’ Health Fund in the last one year (either in their own right or under a Couple/Family/Single Parent health insurance membership). 9. Doctors’ Health Fund is entitled to disregard the gift if within six weeks of joining the new member has requested a refund or has separated/downgraded their cover to extras only or has terminated their policy for whatever reason. 10. Policy holder must be over 18 years old to be eligible for the offer. 11.This offer is not available with other offers or discounts. 12. This offer is not available to Avant Mutual or Doctors’ Health Fund staff members. 13. Doctors’ Health Fund is not responsible for any lost, stolen or damaged gifts. Gift is subject to availability. 14. Each recipient should look to the product issuer for all warranties, terms and conditions, which are subject to change without notice. 15. The promoter shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to direct or consequential loss) or for any personal injury suffered or sustained in connection with any prize/s, except for any liability which cannot be excluded by law. Private health insurance products are issued by The Doctors’ Health Fund Pty Limited, ABN 68 001 417 527 (Doctors’ Health Fund), a member of the Avant Mutual Group. Cover is subject to the terms and conditions (including waiting periods, limitations and exclusions) of the individual policy.
**The Doctors' Health Fund Member Satisfaction Research Report 2017.
*** Check-ups limited to an examination, fluoride and a scale and clean where the fees are within the range of usual, customary and reasonable charges.