Navy Health Insurance Review

Navy Health was originally established in 1955 for the family members of the Royal Australian Navy. The fund now operates as an independent private insurer providing cover to the wider Navy, Army and Air Force communities.

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by Gary Andrews

Last update 15 Apr 2021


Navy Health is a restricted fund and a not-for-profit insurer.

It's a member of the Members Health Alliance Fund and all profits are diverted back into the fund to give back more to members.

Key Points

Navy Health's Member for Life policy means you and your family are still eligible to join if you are no longer part of the ADF community.
Navy Health have a 94% customer satisfaction rate, according to the Discovery Research CSI Survey in December 2019.
A 10% reduction on payable premiums offered to Veteran Cardholders, serving ADF members and ADF Active Reservists.

Navy Health isn't on our panel but we're confident we can get you a great deal on your health insurance.


Hospital cover

Nobody chooses to go to hospital.

But when you do, hospital cover will help you get the treatment you need, where and when you want it.

It also helps to pay the bills, as fees for hospital rooms and specialists can add up.

Think about what services you're likely to need, in line with your budget.

If you earn over $90,000 individually or $180,000 as a couple, you could avoid paying the Medicare Levy Surcharge.

Navy Health offers four tiers of hospital cover, ranging from Basic Hospital all the way up to Premium Gold Hospital that offers their most comprehensive cover.

They can all be combined with one of Navy Health's extras packages.

Public Basic+ Hospital

This is Navy Health's budget option.

It doesn't offer anything you wouldn't already get in a public hospital, but does allow you to avoid the Medicare Levy Surcharge.

Key inclusions:

  • Avoids the Medicare Levy Surcharge.
  • All hospital cover items are restricted and you may incur costs in a private room or a private hospital.

Saver Bronze+ Hospital

Navy Health's budget cover is aimed at people who are young and health, but still includes a wide range of hospital treatments.

Key inclusions:

  • Palliative care
  • Dental surgery
  • Gynaecology

Core Silver+ Hospital

A comprehensive hospital cover policy that includes almost everything except pregnancy and weight loss services, making it suitable for older customers.

Key inclusions:

  • Cataracts
  • Heart and vascular system
  • Rehabilitation

Premium Gold Hospital

Navy Health's most comprehensive level of hospital cover includes all the major private services such as pregnancy and IVF, making it suitable for service personnel looking to start a family.

Key inclusions:

  • Pregnancy and birthing
  • Assisted reproductive services
  • Weight-loss surgery

Ambulance cover

Emergency ambulance cover is included in all hospital and extras policies.

Extras cover

From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%.

While we've summarised the key points of each plan below, it's always worth digging a little deeper into any gap fees, how much you can claim back, and whether your preferred healthcare provider, such as your local dentist, is recognised by the health fund.

Take the time to work out what you need and what you're prepared to pay.

If this feels a bit overwhelming, you can speak to one of our experts.

Navy Health offers 3 tiers of extras cover, from a budget option covering the basic popular services such as dental and optical, through to a premium top-tier option.

Budget Extras

Budget Extras offers benefits on the most popular services, making it an appealing value for money option.

Key inclusions:

  • General and Major Dental
  • Optical
  • Physiotherapy, chiropractic and osteopathy
  • Natural therapies

Healthy Living Extras

Navy Health's most popular option provides a broader range of cover than Budget Extras and higher benefits on the basics.

Key inclusions:

  • Orthodontics
  • Occupational Therapy
  • Podiatry

Premium Extras

The most comprehensive level of cover provides higher benefits and annual limits on all services, as well as extra protections for families.

Key inclusions:

  • School accidents.
  • Higher annual limits on all services covered by Healthy Living Extras.

Waiting Periods

Waiting periods are there to stop people from signing up, claiming and then cancelling their cover.

It means once you take out a new plan, you may have to wait a certain amount of time before receiving your benefit.

When you switch to Navy Health from another provider, you won't have to re-serve your waiting periods, unless your new policy covers something you didn't have before or you've increased your extras limits.

Hospital Waiting Periods

  • 12 months -- Pre-existing condition and obstetrics
  • 2 months -- Psychiatric care, rehabilitation and palliative care

Extras Waiting Periods

  • 12 months -- Major Dental, orthodontics and CPAP devices
  • 6 months -- Optical
  • 2 months -- General Dental and physiotherapy

Member benefits

Funds such as Navy Health that are part of the Members Health Fund Alliance have value-based member driven business models with close to 90% of all premiums returned to policyholders in benefits.

All members also have access to an online wellness portal and a chronic disease management program.

How to claim


Simply tell the hospital you are a member of a Navy Health policy. Your hospital account will be sent directly to Navy Health for them to assess on your behalf.


You can swipe your membership card to claim directly on the spot with your provider's HICAPS or iSOFT terminal.

You can also claim via the Navy Health claiming app, claim online through Online Member Services or fill out the claim form and send it via email or mail.

Hospital Agreements

Navy Health has agreements with a large number of hospital and day surgery providers across Australia.

When comparing policies, it's worth checking if your preferred local hospitals and clinics are covered.

Our specialists at Compare Club can do this for you.

Customer Service

From 1 January to 31 March 2020, the Private Health Ombudsman received 2 complaints from Navy Health members, making up 0.2% of total complaints.

Navy Health has a market share of 0.3%.



Is Navy Health a not-for-profit fund?

Yes – all profits are diverted back into the fund, for increased benefits to members.

Who can apply? Are there any restrictions?

Navy Health is a restricted membership fund.

It is open to current and past members of the Navy, Army and Air Force and their families.

Is it easy to switch to Navy Health?

Navy Health isn’t on our panel but we’re confident we can find you a great deal on your health insurance.

You’ll need to contact Navy Health directly if you’re interested in switching to one of their policies.

Do I need to re-serve waiting periods?

No, providing you transfer to Navy Health within 60 days of leaving your old fund on an equivalent or lower cover.

Can I change my level of cover?

Yes, you can modify your cover with Navy Health directly.

If you’re thinking of switching to a new provider, Compare Club can compare quotes for you and take care of the entire process, free of charge.

Do I get the government rebate?

For every dollar that you contribute to your private health insurance premium, the Australian Government will give you a maximum of 40% (depending on your age and income) of it back as a Private Health Insurance Rebate.

The easiest way to claim the rebate is to ask Navy Health to provide you with a premium reduction.

You could also claim the rebate through Medicare or through the taxation system.

Do I have to pay the Lifetime Health Cover loading?

Yes – but you can avoid the LHC if you take out private health insurance hospital cover before your 31st birthday.

What age are children covered up to?

Dependent children can be on your plan up to the ages of 22, or up to 25 if they are studying full-time.

How do I contact Navy Health?

Phone: 1300 306 289 Email: Mail: PO Box 172, Box Hill, Victoria 3128


This guide is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.