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Defence Health

80Score

★★★★☆4.3

Customer satisfaction · 300K members

Canstar: High Satisfaction (Restricted)(2025)

Defence Health is a restricted not-for-profit mutual serving Australian Defence Force members, veterans, and their families. It offers tailored products that account for the unique needs of military life, including frequent relocations and deployments, with high claims ratios returned to members.

Overall Score

80/100

Founded

1953

Headquarters

Melbourne, Victoria

Type

private

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Key Metrics

Structure

Restricted membership, not-for-profit mutual

Eligibility

ADF members, veterans, and families

Claim Payout Ratio

High (member-focused)

Specialization

Military lifestyle needs

Editorial Ratings

Canstar: High Satisfaction (Restricted)(2025)

Rating: Consistently high satisfaction among restricted funds (max: 5 Stars / Outstanding Value)

80Canstar

Coverage Highlights

✓Tailored specifically for defence community needs
✓Understands military lifestyle (relocations, deployments)
✓Not-for-profit mutual with high claims ratio
✓Products designed for ADF members, veterans, and families
✓Competitive premiums for eligible members

Pros

✓Tailored specifically for defence community needs
✓Not-for-profit with strong member focus
✓Understands unique needs of military families (relocations, deployments)
✓Competitive premiums

Cons

✗Restricted eligibility
✗Smaller fund size
✗Limited product range compared to open funds

Frequently Asked Questions

Who can join Defence Health?

Defence Health is restricted to Australian Defence Force (ADF) members (current and former), veterans, and their immediate families.

How does Defence Health handle military relocations?

Defence Health designs its products with military mobility in mind, offering nationwide coverage that seamlessly transitions when members are relocated or deployed.

Is Defence Health a not-for-profit fund?

Yes. Defence Health is a not-for-profit mutual, meaning it returns value to members through higher claims payouts and competitive premiums rather than distributing profits to shareholders.

Quick Summary

InsurerDefence Health

Country🇦🇺 Australia

Overall Score80/100

Satisfaction4.3/5

Members300K

Typeprivate

Founded1953

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