Navy Health extras cover review

What are the Navy Health extras cover options?

In order to join Navy Health you must be a current or former Australian Defence Forces (ADF) member, reservist or cadet, or an employee 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. Navy Health also offers corporate health plans for defence force contractors.

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.

Compare the different Navy Health extras cover options on offer

The following information is for all states except South Australia. If you are in South Australia, your cover may vary.

The four available levels of extras cover are:

  • Basic Extras: Basic and cheap cover for some of the more essential extras.
  • Saver Plus: Still relatively basic and affordable, but with more dental cover than basic extras. Part of a combined hospital and extras policy.
  • Healthy Living Extras: Relatively comprehensive cover for a wide range of services.
  • Premium Extras: Comprehensive cover with high limits for a wide range of services.
Basic ExtrasSaver PlusHealthy Living ExtrasPremium Extras
General and preventative dental services
  • Yes
  • Yes
  • Yes
  • Yes
Periodontics
  • Yes
  • Yes
  • Yes
  • Yes
Tooth extractions and oral surgery
  • Yes
  • Yes
  • Yes
  • Yes
Endodontics
  • No
  • Yes
  • Yes
  • Yes
Crowns and bridgework
  • No
  • Yes
  • Yes
  • Yes
Dentures and other implants
  • No
  • Yes
  • Yes
  • Yes
Orthodontics
  • No
  • No
  • Yes
  • Yes
Optical
  • No
  • Yes
  • Yes
  • Yes
Laser eye surgery
  • No
  • No
  • Yes
  • Yes
Eye therapy
  • No
  • No
  • Yes
  • Yes
Occupational therapy
  • No
  • No
  • Yes
  • Yes
Physiotherapy
  • Yes
  • Yes
  • Yes
  • Yes
Chiropractic and osteopathy
  • Yes
  • Yes
  • Yes
  • Yes
Podiatry/Chiropody
  • No
  • No
  • Yes
  • Yes
Dietitian
  • No
  • No
  • Yes
  • Yes
Natural therapies
  • Yes
  • Yes
  • Yes
  • Yes
Non-PBS pharmaceutical
  • Yes
  • Yes
  • Yes
  • Yes
Psychology
  • No
  • No
  • Yes
  • Yes
Speech therapy
  • No
  • No
  • Yes
  • Yes
Hearing aids and other health appliances
  • No
  • No
  • Yes
  • Yes
Audiology
  • No
  • No
  • Yes
  • Yes
Home nursing
  • No
  • No
  • Yes
  • Yes
School accidents
  • No
  • No
  • No
  • Yes
Ambulance
  • Yes
  • Yes
  • Yes
  • Yes

What are some additional advantages of getting Navy Health cover?

You can join Navy Health even if you’ve never been involved with the ADF. For example, you could join if your grandfather was in the army. This might be a useful way of finding cost-effective cover.

However, there are also additional benefits especially for current and former ADF members, including:

  • A 10% discount for serving members and eligible reservists
  • Waiver of the 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.

When comparing extras cover for ADF members, it can also be worth looking specifically at cover types that might work well alongside the National ADF Family Health Program. This might mean looking for options that offer cover for a wide range of services.

Even if you are not a current ADF member yourself, and therefore cannot take advantage of any of these benefits, the cover by itself might present a relatively cost-effective option.

The “mid-level” Healthy Living Extras in particular might be worth considering for someone who wants a high level of extras cover, but doesn’t necessarily want to pay the full “top extras” prices.

What are the limitations and waiting periods on extras?

It’s important to note that you may be covered in different ways depending on the service being claimed and your level of cover. Some benefits might pay 65% of the cost, while others will reimburse a set amount for certain services.

Waiting periods also apply:

  • 12 months: Major dental
  • 6 months: Optical
  • 2 months: Everything else

How can I pay my premiums?

Premiums are paid in advance to cover you for the upcoming period. You can make direct debit payments fortnightly, monthly, twice a year, or yearly. There’s a 2% discount for paying every six months, and a 4% discount for paying annually.

How do I claim extras 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 finder.com, 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.

Was this content helpful to you? No  Yes

Related Posts

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 Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
Ask a question
Go to site