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Navy Health Review

Navy Health insurance is a not-for-profit health fund for those who have served in the Navy, Army or Air Force and their families. Find out if Navy Health is right for you.

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Navy Health: Top 3 features
  1. Not-for-profit organisation.
  2. Serving families and active reservists receive a 10% discount off their premiums if they are DVA card holders.
  3. Good for Lifetime health cover loading, allowing you to pay lower premiums throughout your life compared to someone who joins when they're older.

Who is Navy Health?

Navy Health fund is a not-for-profit health insurance fund run for the benefit of its members, set up specifically to help those who have served in the Australian Defence Force. It also looks after their family members during and after service.

Who is eligible to join Navy Health?

Navy Health is a restricted fund and can only be joined by current and former members of the Australian Defence Force (ADF), including those who have served in the Army, Navy or Air Force. You are also eligible if you are a partner, sibling, parent, grandparent or grandchild of someone who has served.

What health insurance options are available?

Navy Health offers a range of hospital and extras cover:

Navy Health's 3 levels of Hospital cover:

  • Saver Bronze+ Hospital. This could be for you if you are young and healthy, providing full ambulance cover, dental surgery and knee reconstruction.
  • Core Silver+ Hospital. This policy includes shoulder, spinal and dental surgery to knee reconstruction and treatment after an accident.
  • Premium Gold Hospital. You get everything available on the Saver and Core policies as well as a host of other care including hospital psychiatric service and brain and nervous system.

Navy Health's 3 levels of Extras cover:

  • 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.
  • Budget 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.
  • Member offers

    There are a number of benefits you can receive if you are eligible for Navy Health insurance. Some of these include:

    • 10% discount for any serving ADF member as well as eligible reservists. If you have a DVA card you can receive the discount.
    • You can save money with Parent Family Cover policies if you are a DVA Gold Card holder.
    • You can make sure your dependents are still covered with health insurance while you are serving and cannot claim. This can also help lower your premiums.
    • Special policy options are also available for Northern Territory residents and for customers who would like to select a different excess.

    How to make a claim

    You can claim with Navy Health in a number of ways.

    • App. Members can claim using the Navy Health App. To download the App, go to the App Store or Google Play Store.
    • Electronic Claiming. In most cases, all you'll need is your Navy Health membership card to claim. After a consultation, swipe your card through the electronic claiming facility. Once the transaction has been authorised by Navy Health, you just need to pay the difference between the fee charged for the treatment and the amount paid by Navy Health.
    • Online Claim. You can make claims for extras services, except Orthodontic, Ambulance, Medically Prescribed Appliances and Pharmacy, through Navy Health's Online Member Services.
    • Post, email and fax. 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 is then made by direct deposit into your nominated bank account.

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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.

    • Default Gravatar
      NikkiFebruary 12, 2019

      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.

    • Avatarfinder 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.?

    • Avatarfinder Customer Care
      ZubairMarch 28, 2017Staff

      Hi Leone,

      Thank you for your question.

      You have contacted finder.com.au, 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 our health insurance home page. You should find a form on that page, which you can fill out and get instant quotes.

      All the best,

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