Why join Doctors’ Health Fund

Starting as the AMA Health Fund and now part of Avant, a member-owned organisation, we are owned by doctors, not public shareholders. Any profits are reinvested to benefit our members and the community.

Our unique Top Cover Gold hospital cover has the highest level of protection against out-of-pocket costs in Australia, paying medical benefits up to the AMA list of medical services and fees. Now available with a nil or $750 excess option.

No restrictive preferred provider networks means you can choose your preferred extras provider. Our Top Cover Gold hospital gap scheme does not require doctors to agree to participate, so feel free to choose the doctor you prefer.

We cover treatments supported by medical evidence and don't pay benefits for non-proven therapies.

Our Prime Choice Gold you get comprehensive Gold‑level hospital cover at a price that works hard for you. Our premiums are often lower than those of the major funds, and stack up competitively against several Silver Plus options, so you can enjoy stronger protection without paying more.¹

We cover 92% of medical services with no gap, well above the industry average of 87%²

Our member satisfaction rating is 95%³ due to:

• fast, easy and efficient payment of claims through our app or Online Member Services
• positive member experience following hospitalisation or serious illness
• excellent customer service provided by polite, helpful and knowledgeable staff.

No-gap general dental checkups once a year for Starter Extras, twice a year for Essential Extras and unlimited for Total Extras.

Optical limits are for two-year periods – $700 for Total Extras, $500 for Essential Extras and $300 for Starter Extras (your limits reset on 1 January every second year).

We want our members to enjoy the best of health, so we provide benefits when your doctor recommends a health management program to treat a specific health condition. Whether its exercise classes conducted at a gym or by a personal trainer, weight loss program, acupuncture, yoga, pilates or quit smoking program, Doctors' Health Fund provides a 75% benefit (up to annual limits) towards the program recommended by your doctor.

We have three fast and easy ways to claim:

• use HICAPS or HealthPoint at your extras provider – hand over your card and only pay the difference between the invoice and the benefit we pay.
• our app – take a photo of your receipt with the app or upload a photo and submit.
• Online Member Services (OMS) – take a photo of your receipt from within OMS or upload a photo and submit.

Alternatively, you can complete a claim form and email or mail it to us.

If you need to discuss your claim, call our friendly Member Service Team on 1800 226 126.

Discounts at optical retailers including OPSM, Laubman & Pank, Specsavers, Clearly.com.au and Q Optical Network.

Free online antenatal and early parenting courses by Nourish Baby, included with all levels of hospital cover.

The age-based discount recognises the importance of private health cover for young people aged 18 to 30. The discount is 2% to 10% off their hospital premium depending on when a person first purchases hospital insurance. The discount applies until the member turns 41, after which it reduces by 2% per annum. At Doctors’ Health Fund, we support this initiative and have made this discount available on all our hospital covers.

Alternatively, a young adult can now be covered by their parent’s policy up to the age of 32 provided they earn less than the current base tier of the private health insurance income thresholds annually and are not married or in a de facto relationship. Dependants with disability can remain on their parent’s policy regardless of their age if they earn less than the current base tier of the private health insurance income thresholds annually and participate in the National Disability Insurance Scheme (NDIS). They can be married or have a de facto partner. Learn more about keeping your kids covered.