Tell us your experience with Defence Health

Do you have something to say about Defence Health? Tell us your good experiences, bad experiences or otherwise and help inform the CHOICE Community.

Read our review of Defence Health

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I have been a member of Defence Health Fund for a number of years and have always found their Hospital insurance very good value for money. As a dialysis patient for 15 months I was a heavy user as they were paying out $700 a week. the plan also included ambulance cover. The plan I am on is no longer available but they did not force me to change to the replacement plan which I assumed might be less generous. My Extras cover which was Top Level at the time I purchased it was not so generous for dental work but covered items such as a blood pressure monitor and some non PBS medications. I have never needed to talk to them by phone as all claims have been handled promptly. So only positive dealings with them, nothing negative.


I have been with Defence Health (previously called Army Health Benefits Society) over 40 years continuously. I worked for the Army in a clerical role for 3 months when I was 16, joined and stayed - reliable, good communicators and no more expensive than comparable schemes (I have always had Top Extras cover). Easy claims.


Noted a raft of “Tell us your experience with …” have popped up. Defence Health is one that seems to always miss out. Yes it is selective membership, but it’s not that restrictive and has around 120,000 members:

  1. Partners and kids of permanent ADF members (permanent SERCAT 6-7)- if you’re a member of the permanent ADF you don’t need to cover yourself but you can cover your partner and/or child(ren)
  2. Reservists (SERCAT 3-5 serving 20 or more training days in a financial year), their partners and kids
  3. All those who have previously served in the ADF (full-time or part-time) and their partners and children
  4. ADF supporters
  5. Anyone who works or has worked in the Department of Defence and other Defence-related departments
  6. Anyone who works or has worked for a Defence supplier - a company or agency contracted to the Department of Defence, where you are or were involved in the supply of goods and services to Defence
  7. Extended families
  8. You are the mum or dad, son or daughter, sister or brother, grandchild or ex-spouse/partner of a serving or ex-serving member of the ADF or of an ADF supporter (described above)

That’s a fairly big segment of the community eligible to join … and it’s not for profit and comes under the “Members Own” group.

And for what it’s worth - I think they are great!


I agree! I have been with Defence Health for thirty odd years and find that they are very willing to speak to you, to advise and to suggest options. They do not suggest one surgeon over another but give a list of surgeons who accept Defence Health patients…this is how I found a surgeon who replaced both my hip joints at $2,000 less than the one recommended by my doctor! I did, in fact, ring three surgeons from the list and am very pleased with the surgeon I chose. My choice was determined by price but I have no complaints with the surgery after two years!