DSH Insurance – Eligibility expanded from 1 January 2020
What has changed?
From 1 January 2020 we expanded the eligibility requirements for our home building insurance to include all current and former members of the Australian Defence Force (ADF) with at least one day of full time service (including reservists and peacekeepers, as well as widows and widowers of those ADF members).
Prior to 1 January 2020, DSH Insurance’s eligibility requirements were generally limited to those who had seen war like service or those who had at least four years’ service in the ADF (eight years for reservists).
This change has addressed the disparity in eligibility criteria and means that all current and former members of the ADF can now access our home building insurance regardless of their type or length of service.
Who is a current or former member of the ADF for the purposes of DSH Insurance?
A current or former member of the ADF includes any officer, sailor, soldier or airman.
Who is a peacekeeper for the purposes of DSH Insurance?
A peacekeeper is any person who has served with an Australian Peacekeeping Force.
What does one day of full time service mean?
From 1 January 2020 if you have served in the ADF for at least one day or you are the widow/widower of a member who has, then you are eligible for our home building insurance.
When did the expanded eligibility take effect?
The expanded eligibility for home building insurance took effect from 1 January 2020.
What do the eligibility requirements relate to?
The eligibility requirements only apply to home building insurance underwritten by DSH Insurance.
I’m a reservist, but I haven’t completed any continuous full time service (CFTS). Can I still get DSH Insurance?
Yes. From 1 January 2020 if you have served in the ADF (including reserves) for at least one day or you are the widow(er) of a member who has, then you are eligible for our home building insurance.
My parent was in the ADF, am I eligible?
No. The eligible person is the one who has completed the service in the Australian Defence Force (or their widow / widower).
If you are not eligible for home building insurance through DSH Insurance but are part of the Defence community, we can arrange a home building policy through our arrangement with QBE Insurance (Australia) Limited.
What do I need to provide to validate my eligibility?
We should be able to verify your eligibility with the information we already have if you:
- are a client of the Department of Veterans’ Affairs (DVA)
- have a Defence Service Homes or Defence Home Ownership Assistance Scheme loan, or
- have registered with MyService.
Otherwise you may be asked to provide documentation such as a pay slip (from your ADF service), certificate of service, service ID card or discharge signal.
What types of insurance does DSH Insurance Offer?
We provide home building insurance to all eligible members of the ADF, and widows / widowers of those who are eligible.
We can also provide access to a range of other insurance products including contents, landlord and car insurance. These products are underwritten by QBE Insurance (Australia) Limited.
If you are not eligible for home building insurance through DSH Insurance but are part of the Defence community, we can arrange access to home building insurance and a range of other insurance products including contents, landlord and car insurance through our arrangement with QBE Insurance (Australia) Limited.
How do I get a quote?
Phone 1300 552 662