Navy Health Fund Health Insurance

Navy Health is a not-for-profit health fund set up to support 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 family member, sibling, parent, grandparent or grandchild of someone who has served.

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
Top 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.

What health insurance options are available?

Navy Health's 3 levels of Hospital cover:

  • Saver Hospital. This could be for you if you are young and healthy, providing full ambulance cover, dental surgery and knee reconstruction.
  • Core 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 4 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.
  • Saver Plus Extras. 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.

Saver Plus

Navy Health offers a combined package option called Saver Plus. It's a practical and affordable option for the young and healthy, providing cover for the treatments and services your most likely to use. That means you don't pay for the hospital services you're unlikely to need, from pregnancy to spinal and major eye surgery.

Hospital tiers

Changes being applied to private health insurance throughout the year may see some changes to Navy Health's policies. Insurers will have until April 2020 to adapt their policies to the new criteria. They must meet a minimum standard of coverage in order to qualify for Bronze, Silver or Gold tier classifications.

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 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.

Back to top

Read more on this topic

You might like these...

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

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.

    • Avatarfinder 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!

      Best,
      Nikki

  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,
      Rench

  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 ourhealth insurance home page.

      All the best,
      Zubair

Ask a question
Go to site