Navy Health Extras Only Health Insurance

Navy Health offers four Extras Only policies for current and former members of the Australian Defence Force (ADF) and their families.

All of the policies cover general dental, major dental, optical and more plus they're well suited to the life of a serviceperson: serving members can cover just their dependents while they are serving or pause their cover while stationed overseas.

ADF contractors and their families are also eligible to join. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
Top 3 features
  1. Good for people who want a basic extras policy that also includes major dental.
  2. Good for members of the ADF who are currently serving and want flexible cover that they can pause while they are overseas.
  3. Beware if you want a mid-range policy. Navy Health's policies jump from a basic one covering just a few treatments to one that suddenly covers almost the entire range of possible extras.

What Navy Health Extras Only policies are available?

The four available levels of Extras Only cover are:

  • Basic Extras. Basic cover for ambulance, general dental, major dental, optical, a few therapies and non-PBS pharmaceuticals.
  • Saver Plus Extras. This is very similar to basic extras, but without ambulance cover. Compared to Basic, it offers slightly higher benefit limits for dental and optical, but quite a bit less for natural therapies, chiro, osteo and physio.
  • Healthy Living Extras. Cover for a wide range of services including everything covered by Basic Extras plus laser eye surgery, psychology, audiology, hearing aids and more.
  • Premium Extras. Covers everything Healthy Living Extras does plus school accidents. Also has higher benefit limits on many of the treatments.
Budget ExtrasSaver Plus ExtrasHealthy Living ExtrasPremium Extras
General dental
Major dental
Eye therapy
Laser eye surgery
Occupational therapy
Chiropractic and osteopathy
Non-PBS Pharmaceutical
Natural Therapies
Speech Therapy
Medically Prescribed Appliances
CPAP devices
Orthotics and orthopaedic appliances
Hearing aids
Home Nursing
School Accidents
Ambulance Services

Other benefits of Navy Health Extras Cover

There are 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.
  • Ability to suspend your cover when posted overseas, or when you move into continuous full time service.

How do the costs work?

All policies pay a different amount toward each covered treatment. This rebate can be a set amount, like $60 for an initial consultation with a dietician or it can be a percentage, like 85% of the cost of orthopaedic appliances.

Most treatments comes with an annual benefit limit and when you receive a rebate it gets deducted from this limit. When you reach your limit, you won't be eligible for any more rebates that year.

Waiting periods and limitations

Waiting periods apply to most services:

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

How to make a claim

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.
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