Navy Health combined hospital and extras packages

Why combine hospital and extras cover with Navy Health?

Navy Health is a fund for current or former Australian Defence Forces (ADF) members, reservists or cadets, or employees of a contractor to the ADF.

Eligible family members of any of the above can also join, including:

  • Partners
  • Siblings
  • Children
  • Grandchildren
  • Parents

For example, if your grandfather was once an ADF contractor, or was in the army, you can join Navy Health. Anyone who has ever been eligible to join Navy Health will be eligible for life. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

The combined cover packages

Navy Health offers a single combined package option, called Saver Plus. It’s designed to be a practical and affordable option for the relatively young and healthy, with cover for the more likely treatments and services only.

The hospital cover

Covered servicesExcluded services
  • All Medicare services not otherwise specified
  • Assisted reproductive services
  • Accidents
  • Major eye surgery
  • Tonsil removal
  • Renal dialysis
  • Appendicitis
  • Spinal surgery
  • Wisdom teeth
  • Cosmetic surgery
  • Arthroscopy and colonoscopy
  • Major joint replacements
  • Shoulder reconstruction
  • Non-Medicare services
  • Dental surgery
  • Podiatry surgery
  • Prosthetic appliances
  • Pregnancy and birth related
  • Early release home nursing
  • Cardiac and cardiac related services
  • Palliative care
  • Psychiatric services
  • Adenoid removal
  • Rehabilitation treatment
  • Covered in private and public hospitals
  • Restricted service, public hospital only
  • Not covered, Medicare only

The extras cover

ServicesAnnual limits
General and preventative dental
  • $600
  • $600
Tooth extractions and oral surgery
  • $600
  • $600
Crowns and bridges
  • $600
Dentures and other implants
  • $600
  • No
  • $200
Physiotherapy, chiropractics and osteopathy
  • $300
Natural therapies
  • $200
Non-PBS pharmacy
  • $200
  • Unlimited

What are the pros of having a Navy Health package?

Navy Health offers additional benefits for current ADF members, or those entering or leaving the service.

  • A 10% discount for serving members and eligible reservists
  • Waiving of waiting periods when signing up within 90 days of discharge
  • Dependents only cover options, for currently serving members to find more cost-effective cover for their dependents and family only.
  • ADF personnel can suspend their cover when posted overseas, or when they move into continuous full-time service.

In addition to this, both the hospital and extras cover has features which might make it even more cost-effective than it initially appears.

  • Hospital: You can claim the restricted services as a private patient in a public hospital, rather than being limited to minimum benefits only. This means, for example, that someone might still use this package for a reasonable level of pregnancy cover in public hospitals, without needing to go for the more expensive top-level pregnancy cover options with other health funds.
  • Extras: All services covered under this package, except for natural therapies and non-PBS pharmacy, are also eligible for gap cover under the National ADF Family Health Program. Combined with the 65% reimbursement, eligible members might be able to enjoy exceptional cover for a range of the most important extras services.

What are the limitations and waiting periods?

The following waiting periods apply to hospital cover:

  • 12 months: Pregnancy related admissions, as well as pre-existing conditions
  • 2 months: All other treatments, as well as psychiatric, rehabilitation and palliative care regardless of whether or not it’s pre-existing.

Extras waiting periods are:

  • 12 months: Major dental
  • 6 months: Optical
  • 2 months: General dental and everything else

How can I pay my premiums?

You can pay premiums with direct debit, and can get additional discounts, depending on frequency.

You can make direct debit payments fortnightly, monthly, every six months or yearly, and can get a 2% discount for half-yearly payments, and a 4% discount for annual payments.

How can I make a claim with Navy Health?

You can make claims:

  • Electronically. Simply swipe your membership card after receiving a service, and pay any difference.
  • Online. Login to the Navy Health members area to claim extras services online, except for orthodontics, appliances and pharmacy.
  • Post, email or fax. Complete a Navy Health claims form and send it in. You will then receive a direct debit payment into your nominated account.

Andrew Munro

Andrew writes for, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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