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Private Health Insurers
Guide

What is a restricted insurer?

Reviewed and updated 3 April 2024

A restricted insurer is open to members of a particular profession or workplace only. 

You can join a restricted insurer only if you fall into the specific category of people covered by that insurer.

However, family members are usually eligible to join these restricted insurers.

As at September 2023, there were 9 restricted insurers in Australia. 

No. InsurerWho can join?
1.ACAEmployees of the Seventh Day Adventist Church and their families.
2.CBHS HealthEmployees of the Commonwealth Bank of Australia and their families.
3.Defence HealthCurrent or former members of the Australian Defence Force and their families.
4.Doctors HealthCurrent or former registered medical practitioners and a range of allied health professionals.
5.Navy HealthCurrent or former members of the Australian Defence Force and their families.
6.Police HealthCurrent or former Australian police officers and their families.
7.Reserve Bank Health SocietyCurrent or former employees of the Reserve Bank of Australia or Note Printing Australia and their families.
8.Teachers HealthTeachers and administrative workers working in primary, secondary or tertiary education and their families.
9.TUHMembers of any Australian union and their families.

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