Navy Health Fund

Navy Health: Defend your family's health

Although Australians are fortunate enough that some of our medical and hospital bills are covered by Medicare, our national health care system certainly doesn’t provide complete coverage when we’re sick. This is where private health insurance comes in. It is designed to help you cover those medical and hospital bills that aren’t covered by Medicare, providing crucial financial assistance if you suffer from a prolonged health problem.

Navy Health offers a range of competitive policies to protect the needs of Australian Defence Force members and their families. From essentials cover right through to comprehensive protection, Navy Health has policies to suit a wide range of insurance needs and family budgets. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

Navy Health cover options

Navy Health offers a range of basic and premium cover options to offer the protection you need when your health takes a turn for the worse.

Navy Health Saver Hospital

Navy Health Saver Hospital cover offers essential coverage for the young, fit and healthy. It provides protection against the cost of vital treatment, such as treatment for an accident or getting your wisdom teeth removed, but doesn’t offer any benefits you’re unlikely to use.

Premium Hospital cover

Premium Hospital cover, on the other hand, offers comprehensive cover at more than 490 private hospitals and recognised public hospitals around Australia. Special policy options are also available for Northern Territory residents and for customers who would like to select a different excess.

Navy Health Basic Extras

When it comes to extras cover, the available options start with Navy Health Basic Extras. This offers essential general treatment cover for things like dental, optical, physio and chiro. Healthy Living Extras is the next step up and offers comprehensive cover for a wide range of general treatments, making it Navy Health’s most popular extras cover option. Last but not least, Premium Extras cover provides the highest rebates and annual limits of any Navy Health extras cover option.

Navy health levels of cover

  • Premium Hospital / NT Hospital. This policy option provides up to 100% cover for hospital costs at more than 490 private hospitals and recognised public hospitals around Australia. If you’re admitted to hospital, this policy ensures that you will not have to pay any upfront costs or any excess. NT Hospital is only available for Northern Territory residents.
  • Healthy Hospital 200 & 500 / NT Hospital 300. These policies offer the same comprehensive cover as the Premium Hospital and NT Hospital policies listed above. However, they provide the flexibility of an excess – $300 for NT Hospital 300 or the choice between $200 and $500 for Healthy Hospital 200 and 500 policyholders – to provide lower premiums.
  • Saver Hospital. This option is designed with budget-conscious policyholders in mind, providing basic cover for all the important things but not requiring you to pay for benefits you don’t need. From knee reconstructions to treatment after an accident, this policy allows you to be covered as a private patient in a public or private hospital. Combined Saver Hospital and Extras cover are available through a Saver Plus policy.
  • Premium Extras. This offers Navy Health’s highest level of cover for a wide range of general treatments including dental, orthodontic, optical, laser eye surgery, occupational therapy, physiotherapy, chiropractic osteopathy, podiatry, natural therapies, psychology and more.
  • Healthy Living Extras. This is Navy Health’s most popular form of extras cover and it offers money back on all of the health and medical services you use the most. It covers all the same treatments as a Premium Extras policy but to lower limits.
  • Basic Extras. As the name suggests, this policy provides cover for essential general treatment options. Providing cover for optical, dental, physio and chiro costs, it can be taken as standalone cover or combined with any of the hospital cover options.
  • Saver Plus. As mentioned, Navy Health Saver Plus health insurance provides a basic level of combined hospital and extras cover. It provides essential things like hospital, dental and chiro cover but doesn’t require you to pay for benefits you’re highly unlikely to ever use.

What are the general exclusions?

Your Navy Health claim will not be paid if:

  • It is for a treatment where Medicare doesn’t pay a benefit
  • You make a claim more than two years after the date of service
  • The natural therapies provider is not recognised by the Australian Regional Health Group (ARHG) Exercise and Sports Science Australia (ESSA) or HICAPS
  • It is for cosmetic surgery of any kind
  • The provider is not recognised in a private practice
  • For services performed, or products paid for, outside of Australia
  • The service you are claiming forms any part of a payment from Workers’ Compensation or Third Party liability cover.

It’s also worth pointing out that certain procedures and treatments may be excluded from cover depending on the policy option you choose. For example, Saver Plus policies do not cover assisted reproductive services, bariatric surgery, major eye surgery, renal dialysis, spinal surgery and more.

How much does Navy Health cost?

A range of factors can affect the cost of your Navy Health premiums, including:

  • If you’re a serving Defence Force member, you can save 10% off the cost of cover
  • The number of people you insure on your policy. Family cover will obviously cost more than individual cover
  • Whether you pay your premiums monthly or yearly
  • The level of cover you choose
  • Whether you choose just hospital or just extras cover, or whether you select a combined policy
  • Your age
  • Your annual income.

What is an excess?

The excess is the amount you are required to pay to contribute towards the cost of your claim. With Navy Health, the amount you will have to pay varies depending on the type of cover you have. For example, no excess applies to a Premium Hospital policy claim, while those with a Healthy Hospital policy can choose between a $200 and a $500 excess. Saver Hospital and Saver Plus claims attract a $500 excess.

How can I save on my policy?

The following tips will help you save money on the cost of cover:

  • Choose a standalone policy rather than combined hospital and extras cover
  • Choose a higher excess in return for a lower premium, for example on a Healthy Hospital 200 or 500 policy
  • Choose a lower level of cover
  • Pay your premiums yearly instead of half-yearly or monthly
  • Serving Defence Force members save 10% off the cost of cover
  • Your annual income affects the Australian Government private health insurance rebate amount you are entitled to each year.

How do I make a claim?

You can submit a Navy Health claim by post, email or fax. Every claim must be accompanied by a completed and signed claim form, which can be downloaded from the Navy Health website. Payment of claims is then made by direct deposit into your nominated bank account.

For electronic claiming when visiting a health care provider, simply swipe your Navy Health membership card through the electronic claiming facility. Once electronic authorisation has been provided by Navy Health, all you have to do is pay the remaining balance.

Are there any additional benefits?

Navy Health offers the following additional benefits and programs to its members:

  • Online Wellness Portal. The Navy Health Online Wellness Portal is designed to help members improve their overall health. After undergoing a Health Risk Assessment you can then set wellness goals and receive advice and assistance to help you reach those goals.
  • Pregnancy Program. This program puts pregnant women in touch with experienced midwives to offer support and assistance throughout their pregnancy and after they have given birth.
  • Chronic Disease Management Program. The Health + Care program offers tailored programs to help those recovering from serious medical conditions. Phone and face-to-face support from registered nurses is available to help manage chronic illnesses, while at-home support is also available for things like chemotherapy, wound care and palliative care.

FAQs about Navy Health

Apply for Navy Health insurance today

Looking after your health is vital for people of all ages and fitness levels, and Navy Health offers a variety of competitive cover options for Defence Force members and their families. Just make sure to compare its policies with other products on the market to ensure that you end up with the right type and level of cover for your needs.

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6 Responses

  1. Default Gravatar
    MichaelFebruary 11, 2019

    What is the annual cost with Navy Health compared to HCF. I am currently with HCF. My Level of cover is Top Hospital Cover and my extras cover, covers dental, major dental, optical, physio, chiro, ambulance.

    • finder Customer Care
      NikkiFebruary 12, 2019Staff

      Hi Michael,

      Thanks for getting in touch! We don’t have access to the annual costs of Navy Health. You can find out the costs when you contact Navy Health.
      Hope this clarifies!


  2. Default Gravatar
    JudyJanuary 22, 2018

    What is the cost per month for Navy Health Insurance? I am currently with BUPA. My Level of cover is Top Hospital Cover and my extras cover, covers dental, major dental, optical, physio, chiro, ambulance. My son is employed with the Dept of defence.

    • finder Customer Care
      RenchJanuary 24, 2018Staff

      Hi Judy,

      Thanks for your inquiry. Please note that we are not affiliated with Navy Health or any company we feature on our site and so we can only offer you general advice.

      There’s a range of factors can affect the cost of your Navy Health premiums. Please contact Navy Health directly to request for a quote.

      Best regards,

  3. Default Gravatar
    LeoneMarch 27, 2017

    a) Is Navy Health the same as Defence Health?
    b) I am a member of Navy Health with basic Hospital and extras. What would the increase in my monthly payments be, if I change to healthy hospital 200 or healthy hospital 500.?

    • finder Customer Care
      ZubairMarch 28, 2017Staff

      Hi Leone,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually Navy Health Fund.

      While both Navy Health and Defence health are restricted funds for service men and women, they are different separate funds.

      Navy Health Insurance is not one of the brands in our panel of health funds, which means while you can compare cover from Navy Health on our site you will need to contact Navy Health directly about taking out cover.

      To compare quotes from the 30+ health funds, please head to ourhealth insurance home page.

      All the best,

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