Join us and be rewarded

• Choice: We believe you know best who should treat you. We advocate for clinical independence and the right of our members to choose – to choose your doctor, your allied healthcare providers, and the level and type of cover that suits your needs and budget.
• Value: We keep out-of-pockets and rate rises to a minimum. In 2018 Doctors’ Health Fund announced the lowest published rate increase of all the health funds, and in fact it’s our sixth consecutive year of below industry average increases**.
• Service: Whether it’s answering your call in under 30 seconds, fast and easy claiming, or quality, flexibility and choice of cover, we deliver. It takes just 10 minutes to join and we take care of all the paperwork.
• Fewer out-of-pockets: Doctors' Health Fund has the highest percentage of in-hospital medical services with no out-of-pocket expenses in every state (except the Northern Territory) compared to the 5 larger funds. We cover up to 98% of no or known medical gaps.***

Join by 30th June 2018 and be rewarded*

Choose Hospital & Extras cover and receive a Westfield XS Eftpos Gift Card.

* Terms and Conditions To be eligible for the offer, applications to join Doctors’ Health Fund must be received by 11.59 PM (AEST) 30 June 2018. 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. The new member must take out combined Hospital and Extras cover to be eligible for the gift. Cover start date and join entry date must commence within the campaign period of 7 May 2018 to 30 June 2018. Only one gift card will be provided per policy as follows: a) a $200 Westfield XS Eftpos Gift Card when purchasing a single Smart Starter hospital cover policy in conjunction with an extras cover policy; b) a $400 Westfield XS Eftpos Gift Card when purchasing a couples Smart Starter hospital cover policy in conjunction with an extras cover policy; c) a $300 Westfield XS Eftpos Gift Card when purchasing a single Prime Choice hospital cover policy in conjunction with an extras cover policy; d) a $600 Westfield XS Eftpos Gift Card when purchasing a couples/family/single-parent Prime Choice hospital cover policy in conjunction with an extras cover policy; e) a $400 Westfield XS Eftpos Gift Card when purchasing a single Top Cover hospital cover policy in conjunction with an extras cover policy; or f) an $800 Westfield XS Eftpos Gift Card when purchasing a couples/family/single-parent Top Cover hospital cover policy in conjunction with an extras cover policy. Member needs to be active and financial for 12 continuous weeks of joining the fund before the gift card is issued; If the level of cover changes within the 12 week period, the value of the gift card will be determined by the lowest level of hospital cover held in the period. The offer does not apply to policy upgrades, or when a spouse, or dependant is added to an existing Doctors’ Health Fund policy. 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).Policy holder must be over 18 years old to be eligible for the offer. This offer is not available with other offer. Doctors’ Health Fund is not responsible for any lost, stolen or damaged gifts. Gift colour may vary from image shown. Each new member should look to the product issuer for all warranties, terms and conditions, which are subject to change without notice. Westfield XS Eftpos Gift Card is valid for redemption 3 years from when the gift card is purchased. Westfield XS Eftpos Gift Cards are not redeemable for cash. Some retailers may choose not to accept Westfield Gift Cards. Westfield Gift Card terms and conditions apply. Issued by Westfield Gift Cards Pty Ltd ACN 113171663. For more terms and conditions, visit https://www.westeldgiftcards.com.au. 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.
** Averages published by the Department of Health http://health.gov.au/internet/main/publishing.nsf/content/privatehealth-average-premium-round. Individual premium increases may vary from the average due to impact of the PHI
rebate and product claims experience.
***AMA Report card 2018.