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Navy Health Review
Navy Health insurance is a not-for-profit health fund for those who have served in the Navy, Army or Air Force and their families. Find out if Navy Health is right for you.
Serving families and active reservists receive a 10% discount off their premiums if they are DVA card holders.
Good for Lifetime health cover loading, allowing you to pay lower premiums throughout your life compared to someone who joins when they're older.
Who is Navy Health?
Navy Health fund is a not-for-profit health insurance fund run for the benefit of its members, set up specifically to help those who have served in the Australian Defence Force. It also looks after their family members during and after service.
Who is eligible to join Navy Health?
Navy Health is a restricted fund and can only be joined by current and former members of the Australian Defence Force (ADF), including those who have served in the Army, Navy or Air Force. You are also eligible if you are a partner, sibling, parent, grandparent or grandchild of someone who has served.
What health insurance options are available?
Navy Health offers a range of hospital and extras cover:
Navy Health's 3 levels of Hospital cover:
Saver Bronze+ Hospital. This could be for you if you are young and healthy, providing full ambulance cover, dental surgery and knee reconstruction.
Core Silver+ Hospital. This policy includes shoulder, spinal and dental surgery to knee reconstruction and treatment after an accident.
Premium Gold Hospital. You get everything available on the Saver and Core policies as well as a host of other care including hospital psychiatric service and brain and nervous system.
Navy Health's 3 levels of Extras cover:
Premium Extras. This offers Navy Health's highest level of cover for a wide range of general treatments including dental, orthodontic, optical, laser eye surgery, occupational therapy, physiotherapy, chiropractic osteopathy, podiatry, natural therapies, psychology and more.
Healthy Living Extras. This is Navy Health's most popular form of extras cover and it offers money back on all of the health and medical services you use the most. It covers all the same treatments as a Premium Extras policy but to lower limits.
Budget Extras. As the name suggests, this policy provides cover for essential general treatment options. Providing cover for optical, dental, physio and chiro costs, it can be taken as standalone cover or combined with any of the hospital cover options.
Member offers
There are a number of benefits you can receive if you are eligible for Navy Health insurance. Some of these include:
10% discount for any serving ADF member as well as eligible reservists. If you have a DVA card you can receive the discount.
You can save money with Parent Family Cover policies if you are a DVA Gold Card holder.
You can make sure your dependents are still covered with health insurance while you are serving and cannot claim. This can also help lower your premiums.
Special policy options are also available for Northern Territory residents and for customers who would like to select a different excess.
How to make a claim
You can claim with Navy Health in a number of ways.
App. Members can claim using the Navy Health App. To download the App, go to the App Store or Google Play Store.
Electronic Claiming. In most cases, all you'll need is your Navy Health membership card to claim. After a consultation, swipe your card through the electronic claiming facility. Once the transaction has been authorised by Navy Health, you just need to pay the difference between the fee charged for the treatment and the amount paid by Navy Health.
Online Claim. You can make claims for extras services, except Orthodontic, Ambulance, Medically Prescribed Appliances and Pharmacy, through Navy Health's Online Member Services.
Post, email and fax. You can submit a Navy Health claim by post, email or fax. Every claim must be accompanied by a completed and signed claim form, which can be downloaded from the Navy Health website. Payment is then made by direct deposit into your nominated bank account.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 649 Finder guides across topics including:
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
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