• Your very own health fund created by doctors for doctors

  • Join the fund that is dedicated to you

    Because Doctors' Health Fund was created exclusively for the medical community and their families, we understand your health insurance needs. This means we support freedom of choice, clinical independence and offer personalised service that recognises your time is precious.

    Benefit from having hospital and extras cover with us

    • We look after our members, achieving a very high member satisfaction rate of 96%i
    • Our hospital Top Cover is unique by paying up to the AMA list of medical services and fees
    • Make fast and easy claims on the go with our Doctors’ Health Fund mobile app
    • You get a service specialist when you call – we answer over 95% of calls in business hours within 30 seconds
    • Lowest average premium increase in 2015 and 2016 of any private health insurerii
    • Australia-wide cover for emergency and medically necessary ambulance services


    Switching is easy – only takes 10 minutes and we take care of all the paperwork. So why choose any other fund?


  • Lower premium increase than the industry average

    The Federal Minister for Health, Mr. Greg Hunt, has announced the approval of Private Health Fund’s premium increases for 2017.

    As part of Avant, a member-owned mutual, Doctors’ Health Fund is committed to keeping premiums affordable for our members. For the fifth consecutive year, Doctors' Health Fund has an average increase below the industry weighted average. It should be noted that premium changes to individual policies will vary and these will be communicated to members in early March.

    View the Government’s list of health fund increases

    Affordable premiums are naturally an important aspect of anyone’s cover. Equally important is the quality of the benefits available when the need for claiming arises. As the health fund created exclusively for the medical community and their families, our focus is providing quality cover with benefits for the services that are most important to you.


    Top Cover

    Has no excess, no exclusions and no restrictions on Medicare services and pays medical benefits up to the AMA list of services and fees

    Find Out More

    Prime Choice

    Provides comprehensive cover and comparable to many other funds’ top hospital cover and has a record of paying over 90% of members’ hospital related chargesiii

    Find out more


    Smart Starter

    An economical option designed for singles or couples starting out in health insurance

    Find Out More

    Gap Cover

    Our AMA Gap and Access Gap Cover schemes provide quality benefits

    Find out more

  • Our Extras cover

    Our Extras covers have generous benefits including

    • You are free to choose the best provider for you – we don’t have restrictive preferred provider arrangements.
    • No-gap general dental check-ups once a year for Basic Extras, twice a year for Essential Extras and unlimited for Total Extras.iv
    • Optical benefits up to $500 over two consecutive calendar years on Total and Essential Extras, and 
    • 85% benefit for the cost of non-PBS pharmaceuticals above the current PBS prescription cost up to your annual Extras limit.
  • iThe Doctors’ Health Fund Satisfaction Research Report 2017.

    iiDepartment of Health 2015 and 2016 Premium Round Individual private health insurer average premium increases.

    iiiState of the Health Funds report 2015, Private Health Insurance Ombudsman (published March 2016).

    ivWhere the fees are within the range of usual, customary and reasonable charges.