Who is Defence Health?
Defence Health is a not-for-profit health fund that provides private health insurance for ADF members, veterans and their families. Current or former members of the Australian Defence Force, reservists, civilian employees of Department of Defence (or related departments), employees of Defence contractors, and some family members of any of the above are eligible to join this health fund. Its mission is to provide affordable healthcare to the Defence community.
Does Defence Health offer different types of cover?
Defence Health offers two main types of private health insurance: Defence Health Cover (DHC) and DHC Plus. Both plans have inclusions such as hospital treatment, out-of-hospital services, mental health and allied health services. The main difference between these plans is that DHC Plus has a higher excess than DHC. You’ll also pay an additional fee if you want to upgrade your policy to include extras like dental care or optical benefits.
Do I really need private health insurance?
With all the talk in Australia about private health insurance, many people are wondering whether they can afford not to have it. The answer is that you can, but only if you’re comfortable with the idea of paying for medical treatment out-of-pocket if you need it.
The biggest reason for having private health insurance is peace of mind. If an unexpected illness or accident strikes, you’ll be covered for the cost of treatment and recovery. This means that you don’t have to worry about whether or not your health problems will put a large dent in your bank account or credit card limits.
Finding the right health insurance plan doesn’t have to be an overwhelming process. The team at No Worries can help you avoid hours of research by doing all the heavy lifting for you.
