Navy Health Hospital Cover Policy Review

If you have served in the army, Navy Health insurance is designed to benefit you and your family.

Navy Health is a not-for-profit health fund for current and former members of the Australian Defence Force (ADF), including those who have served in the Army, Navy or Air Force. Familys, siblings, parents, grandparents and grandchildren of those who have served are also eligible.

Navy Health has a range of competitive hospital policies to protect you and your family. Whether you are looking for essentials cover or comprehensive protection, there are policies to suit a wide range of insurance needs and family budgets.

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Top features
  1. Not-for-profit organisation.
  2. DVA card holders (white and gold), serving families and active reservists receive a 10% discount off their premiums.
  3. 97% customer satisfaction level.

Who is Navy Health?

Navy Health fund is a not-for-profit health insurance fund run for the benefit of its members, not the profit of shareholders. Dating back to 1955, Navy Health provides health insurance for Australians working in Defence and their family members during and after service.

What health insurance options are available?

Navy Health offers 4 levels of hospital cover. These are:

  • Saver Hospital. If you are young and healthy, this policy may be best for you. It provides full cover for basic treatments like dental surgery, accidents, joint reconstruction, appendicitis and a few others.
  • Core Hospital. This policy is ideal for those who need a little more protection but still may be somewhat budget-conscious, like established families and empty nesters. It covers what Saver Hospital does plus a few other important treatments like cancer and joint replacements.
  • Premium Gold Hospital. This covers all 38 clinical categories required by the Australian government, including pregnancy, insulin pumps, weight loss surgery, heart conditions, pain management and more. It also covers accidents and emergency ambulance. This is ideal for families who plan on having more children or for older people with developing health issues.

Navy Health also offers a hospital-only policy aimed at organisations that want to offer health insurance to their employees:

  • Corporate Gold Hospital. Covers all 38 clinical categories of treatment required of a Gold policy, including pregnancy, cancer, heart conditions, emergency ambulance, kidney dialysis and more. It also provides cover for accidents and emergency ambulance.

Information on tiers

As part of the private health insurance reforms being rolled out from April 1 2019, insurers must meet a minimum standard of coverage in order to qualify for Bronze, Silver or Gold tier classifications. As a result, Navy Health's premium policy satisfies the criteria for Gold and is now known as Premium Gold Hospital.

Young people discount

Navy Health offer a Young Adult Membership to eligible customers. With this membership, you will remain on your parents' hospital cover provided you take out your own extras cover and are:

  • Between the ages of 22 and 25
  • Not studying full time
  • Unmarried and not in a de facto relationship
  • Your parent's have a membership with Navy Health

Member offers

Because Navy Health is a restricted health fund for current and former members of the Australian Defence Force (ADF) and their families, there are a number of benefits you can receive if you are eligible. These include:

  • 10% discount for currently serving ADF members and eligible reservists as well as families who have at least one serving member.
  • No waiting periods for former ADF members who join within 90 days of being discharged.
  • DVA Gold Card holders with a family can save money with a Single Parent Family Cover policy
  • To save on premiums, military family premium policies allow serving parents to make sure their dependents are still covered with health insurance while they are currently serving and cannot claim themselves.

How to make a claim

On being admitted to hospital you will typically be informed of any out-of-pocket expenses in line with your cover. The hospital can then claim payment directly from Navy Health and you will need to pay any applicable gap expenses or excess to the hospital or practitioner.

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