Doctors' Health Fund
13 open policies in the October 2026 data. Membership is restricted.
Who can join, as the fund puts it: Medical and allied health professionals, their families, medical students and AMA employees.
This insurer operates on a for-profit basis and is owned by the Avant Mutual Group, a group that operates on a not-for-profit basis.
doctorshealthfund.com.au, phone 1800 226 126
- Hospital
- 3
- Hospital and extras
- 7
- Extras
- 3
- Closed to new members
- 5
How its premiums compare in NSW & ACT
Doctors' Health Fund's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BronzeHospital only$145.0022nd cheapest of 29
- GoldHospital only$275.3112th cheapest of 24
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Smart Starter Bronze Plus, at $145.00 a month before the rebate with a $750 excess: 22nd cheapest of 29 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Prime Choice Gold, at $275.31 a month before the rebate with a $750 excess: 12th cheapest of 24 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 1 corporate policy is included; they are sold through employers and associations.
- NSW & ACT$145.00 to $414.60
- VIC$163.58 to $449.05
- QLD$165.29 to $453.89
- SA$164.86 to $446.62
- WA$130.71 to $397.09
- TAS$166.48 to $456.12
- NT$128.17 to $379.44
- NSW & ACT$197.04 to $576.65
- VIC$215.62 to $611.10
- QLD$217.33 to $615.94
- SA$216.90 to $608.67
- WA$182.75 to $559.14
- TAS$218.52 to $618.17
- NT$180.21 to $541.49
- NSW & ACT$15.00 to $162.05
- VIC$15.00 to $162.05
- QLD$15.00 to $162.05
- SA$15.00 to $162.05
- WA$15.00 to $162.05
- TAS$15.00 to $162.05
- NT$15.00 to $162.05
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $145.00 to $414.60 | $197.04 to $576.65 | $15.00 to $162.05 |
| VIC | $163.58 to $449.05 | $215.62 to $611.10 | $15.00 to $162.05 |
| QLD | $165.29 to $453.89 | $217.33 to $615.94 | $15.00 to $162.05 |
| SA | $164.86 to $446.62 | $216.90 to $608.67 | $15.00 to $162.05 |
| WA | $130.71 to $397.09 | $182.75 to $559.14 | $15.00 to $162.05 |
| TAS | $166.48 to $456.12 | $218.52 to $618.17 | $15.00 to $162.05 |
| NT | $128.17 to $379.44 | $180.21 to $541.49 | $15.00 to $162.05 |
What Doctors' Health Fund covers, and what it pays back
Hospital
Its ten hospital policies come with no excess or one of $500 or $750. All ten offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All ten cover emergency and non-emergency ambulance trips.
Extras
Not counting the one it sells through employers, Doctors' Health Fund has nine policies with extras, covering anywhere from 17 to 24 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $900.00typical policy $773.80
- $75.00typical policy $42.00
- $100.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$4,200typical policy $1,000
- Optical$700typical policy $220
- Physiotherapy$900typical policy $450
- Psychology$900typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 3
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Smart Starter Bronze Plus | Bronze Plus | $128.17NT | All | $500, $750 |
| Prime Choice Gold | Gold | $244.22NT | All | $0, $500, $750 |
| Top Cover Gold | Gold | $339.47NT | All | $0, $750 |
Hospital and extras policies 7
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Smart Starter Bronze Plus & Starter Extras | Bronze Plus | $180.21NT | All | $500, $750 |
| Smart Starter Bronze Plus & Essential Extras | Bronze Plus | $227.28NT | All | $500, $750 |
| Smart Starter Bronze Plus & Total Extras | Bronze Plus | $290.22NT | All | $500, $750 |
| Prime Choice Gold & Essential Extras | Gold | $343.33NT | All | $0, $500, $750 |
| Prime Choice Gold & Total Extras | Gold | $406.27NT | All | $0, $500, $750 |
| Top Cover Gold & Essential Extras | Gold | $438.58NT | All | $0, $750 |
| Top Cover Gold & Total Extras | Gold | $501.52NT | All | $0, $750 |
Extras policies 3
| Policy | From | Sold in | Services |
|---|---|---|---|
| Lite ExtrasCorporate | $15.00All states | All | 6 |
| Essential Extras | $99.11All states | All | 22 |
| Total Extras | $162.05All states | All | 24 |
Doctors' Health Fund also has 5 older policies (96 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Doctors' Health Fund
- Who can join Doctors' Health Fund?
- It's a restricted fund. Who can join, as Doctors' Health Fund puts it: Medical and allied health professionals, their families, medical students and AMA employees. Doctors' Health Fund sells 13 policies to new members (3 hospital-only, 7 combined and 3 extras-only), going by the October 2026 data.