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Code of conduct

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Private Health Insurance Code of Conduct

The Private Health Insurance (PHI) Code of Conduct is an Industry self regulatory code which aims to promote informed relationships between private health insurers, consumers, agents and brokers. St.LukesHealth is a signatory to the Code and supports the principles set out in the Code.


What do health funds promise under the Code?

Funds who are signatories to the Code will:
  • work towards improving the standards of practice and service in the private health insurance industry;
  • provide information to you in plain language;
  • promote better informed decisions about their private health insurance products and services by:
    • ensuring that policy documentation is full and complete;
    • providing clear explanations of the contents of the policy documentation when asked by you; and
    • ensuring that persons providing information on health insurance are appropriately trained.
  • provide information to you on your rights and obligations under your relationship with your health fund, including information on this PHI Code of Conduct; and
  • provide you with easy access to their internal dispute resolution procedures, which will be undertaken in a fair and reasonable manner, and advise your rights to take an issue to an external body such as the Private Health Insurance Ombudsman (PHIO).

View a copy of the PHI Code of Conduct consumer brochure.

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