Find an Access Gap Cover Doctor

Access Gap Cover eliminates, or substantially reduces, the out-of-pocket expenses that are part of a hospital stay for people with private health insurance. 

We have arrangements with a majority of doctors around Australia where, in most cases, our members will be fully covered for in-hospital medical treatment, or will at least be advised prior to treatment of any gaps that might exist.

You can search for participating doctors by specialist group, doctor name, and locality. You can also call us on 1800 603 603 or your doctor to verify if you will be covered in the Access Gap Scheme before treatment.

Find an Access Gap Doctor

Find a Contracted Hospital

We have agreements with most private hospitals that are likely to be accessed by members. 

These agreements (as part of Police Health Limited) ensure that an agreed schedule of fees (including in-patient accommodation, theatre and special unit accommodation fees as appropriate) is charged by the hospital and paid by us on our member's behalf.

Please note that a member's benefit entitlements will be affected by factors such as their level and type of cover and the financial status of their membership. 

This will affect the amount we will reimburse to the hospital. We strongly recommend you contact us on [800 603 603 to confirm your benefit entitlement prior to receiving hospital treatment. 

If you choose a non-agreement hospital you may incur out-of-pocket expenses for hospital related services irrespective of your level of cover.

Find a Contracted Hospital


Please note

Some content on this web page is obtained from external sources. Although we make every effort to ensure information is correct at the time of publication, we accept no responsibility for its accuracy. Health-related articles are intended for general information only and should not be interpreted as medical advice - please consult your doctor. By opening, viewing or using this webite, you acknowledge that you have read and unreservedly accept these Terms & Conditions