Private health cover for everyone connected to Defence
A not-for-profit health fund run for serving and ex-serving ADF members, their families and those working for companies that supply our Defence forces.
Join Today and Save with 6 Weeks Free
Join with Hospital & Extras cover by 31 March 2025 and you’ll receive 6 weeks free, plus your 2 and 6 month waits waived!*
Use promo code: GET6FREE
*This promotion is only available to new members joining Navy Health.
For full terms and conditions click here.
Private health cover for everyone connected to Defence
A not-for-profit health fund run for serving and ex-serving ADF members, their families and those working for companies that supply our Defence forces.
Join Today and Save with 6 Weeks Free
Join with Hospital & Extras cover by 31 March 2025 and you’ll receive 6 weeks free, plus your 2 and 6 month waits waived!*
Use promo code: GET6FREE
*Conditions apply. This promotion is only available to new members joining Navy Health. For full terms and conditions click here.
Confirm your eligibility to join Navy Health
You may be surprised to learn that you may be able to join a health insurance fund called Navy Health.
We provide great value private health insurance cover to serving or ex-serving Australian Defence Force (ADF) members, their families, and even their grandchildren! Our cover also extends to all the Australians working at a company that supplies goods or services to the ADF.
In short, if you have a connection to Defence – uniformed or not – there’s a good chance you can join us for a better deal on your health insurance.
Navy, Army and Air force
I am serving or ex-serving ADF, including Reservists and Cadets.
Defence employees
I am a past or present civilian employee or public servant of Defence.
Defence contractors
I am a past or present employee of a company who has contracts with Defence.
Defence families
I am the partner, parent, sibling, child, or grandchild of someone eligible to join.
Confirm your eligibility to join Navy Health
You may be surprised to learn that you may be able to join a health insurance fund called Navy Health.
We provide great value private health insurance cover to serving or ex-serving Australian Defence Force (ADF) members, their families, and even their grandchildren! Our cover also extends to all the Australians working at a company that supplies goods or services to the ADF.
In short, if you have a connection to Defence – uniformed or not – there’s a good chance you can join us for a better deal on your health insurance.
Navy, Army, and
Air force
I am serving or ex-serving ADF, including Reservists and Cadets.
Defence
employees
I am a past or present civilian employee or public servant of Defence.
Defence
contractors
I am a past or present employee of a company who has contracts with Defence.
Defence
families
I am the partner, parent, sibling, child, or grandchild of someone eligible to join.
Private health cover for everyone connected to Defence
A not-for-profit health fund run for serving and ex-serving ADF members, their families and those working for companies that supply our Defence forces.
Join Today and Save with 6 Weeks Free
Join with Hospital & Extras cover by 31 March 2025 and you’ll receive 6 weeks free, plus your 2 and 6 month waits waived!*
Use promo code: GET6FREE
*Conditions apply. This promotion is only available to new members joining Navy Health. For full terms and conditions click here.
Confirm your eligibility to join Navy Health
You may be surprised to learn that you may be able to join a health insurance fund called Navy Health.
We provide great value private health insurance cover to serving or ex-serving Australian Defence Force (ADF) members, their families, and even their grandchildren! Our cover also extends to all the Australians working at a company that supplies goods or services to the ADF.
In short, if you have a connection to Defence – uniformed or not – there’s a good chance you can join us for a better deal on your health insurance.
Navy, Army, and
Air force
I am serving or ex-serving ADF, including Reservists and Cadets.
Defence
employees
I am a past or present civilian employee or public servant of Defence.
Defence
contractors
I am a past or present employee of a company who has contracts with Defence.
Defence Families
I am the partner, parent, sibling, child or grandchild of someone who is eligible to join.
Why join Navy Health?
At Navy Health, we take pride in protecting those who protect us, their families and everyone who plays a part in making that happen.
Our real strength comes from our size. It’s easy to get lost as a member of a health fund that looks after hundreds of thousands of people. Because we’re smaller, we’re more nimble and more personalised. We can pay closer attention to our members in the way they want.
Whether that’s looking after their private health insurance with minimal involvement or caring for a member’s changing situation throughout their life, our local team of experts take the stress out of dealing with health insurance.
Navy Health is proud to be a part of Members Health Fund Alliance, an alliance of not-for-profit health funds who put the health of their members before profits. As a not-for-profit health insurance fund, our profits don’t end up with shareholders. Rather, we use them to benefit our members by minimising premium increases and offering great value products and services. To learn more, click here.
Why join Navy Health?
At Navy Health, we take pride in protecting those who protect us, their families and everyone who plays a part in making that happen.
Our real strength comes from our size. It’s easy to get lost as a member of a health fund that looks after hundreds of thousands of people. Because we’re smaller, we’re more nimble and more personalised. We can pay closer attention to our members in the way they want.
Whether that’s looking after their private health insurance with minimal involvement or caring for a member’s changing situation throughout their life, our local team of experts take the stress out of dealing with health insurance.
We are not-for-profit health insurance fund, so our profits don’t end up with shareholders. Rather, we use them to benefit our members by minimising premium increases and offering great value products and services.
Benefits
Benefits
Members
before profits
As a Member’s Health Fund, we put members before profits, and return more back in benefits.
Customer satisfaction
How happy are you with your health fund? Our members rate their satisfaction at 93%*.
Highly
trusted
Navy Health members have rated their trust with us at 86%^.
Mobile
app
Claim in seconds with our mobile App. Available on iPhone and Android.
* Based on Navy Health’s CSAT surveys conducted from 1 July 2022 to 30 June 2023.
^ Based on Navy Health’s Trust Survey conducted in 2022.
We’re proud to be part of Members Health Fund Alliance
More benefits back to policyholders
Higher policyholder satisfaction and trust
Competitive health insurance premiums
Customer retention and growth
Navy Health named as one of Australia’s top ten cheapest funds!
News Corp recent investigation has compared the price of every Australian health fund policy in the country and found that Navy Health was consistently in the top ten cheapest for Gold policies. Part of the reason is we don’t have to generate profits for shareholders or overseas investors, so we can give back more in benefits.
At Navy Health, profits are used to benefit members by minimising premium increases and offering great value products and services. Click the button below to learn more.
Navy Health named as one of Australia’s top ten cheapest funds!
News Corp recent investigation has compared the price of every Australian health fund policy in the country and found that Navy Health was consistently in the top ten cheapest for Gold policies. Part of the reason is we don’t have to generate profits for shareholders or overseas investors, so we can give back more in benefits.
At Navy Health, profits are used to benefit members by minimising premium increases and offering great value products and services. Click the button below to learn more.
Do you need Hospital cover or Extras cover?
* Based on Navy Health’s CSAT surveys conducted from 1 July 2022 to 30 June 2023.
^ Based on Navy Health’s Trust Survey conducted in 2022.
Do you need Hospital cover or Extras cover?
Private Health Insurance comes in two forms: Hospital Cover, for when you need to be admitted into hospital, and Extras Cover, for your everyday health care services to maintain your health and wellbeing such as dental, optical, chiropractic and physiotherapy.
Navy Health’s Hospital cover allows you to receive treatment as a private patient in a private hospital, avoiding lengthy public health system wait lists, and the option to choose your own specialist. You can choose from three levels of cover: Gold, Silver+ and Bronze+.
Extras cover allows you to claim back some of the costs of health care services and treatments such as Dental and Optical, that are not covered by Medicare, reducing your out-of-pocket expenses. View and compare our three levels of cover.
Extras cover allows you to claim back some of the costs of health care services and treatments, such as Dental and Optical, that are not covered by Medicare, reducing your out-of-pocket expenses. View and compare our three levels of cover.
Our Products
Extras cover allows you to claim back some of the costs of health care services and treatments, such as Dental and Optical, that are not covered by Medicare, reducing your out-of-pocket expenses. View and compare our three levels of cover.
Navy Health’s Hospital cover allows you to receive treatment as a private patient in a private hospital, avoiding lengthy public health system wait lists, and the option to choose your own specialist. You can choose from three levels of cover: Gold, Silver+ and Bronze+.
What our members say
Our members are at the heart of everything we do
Enhanced employee retention and engagement with a corporate health insurance program
Attract, retain and engage your people by setting them up with a company-funded health insurance staff benefit. You get:
Dedicated Account Manager and onboarding team
Wellness programs and on-site health visits
Discounted private health cover for your staff
Power up employee engagement with a corporate health insurance program
Enhanced employee retention and engagement with a corporate health insurance program
Attract, retain and engage your people by setting them up with a company-funded health insurance staff benefit. You get:
Enhanced employee retention and engagement with a corporate health insurance program
Dedicated Account Manager and onboarding team
Wellness programs and on-site health visits
Discounted private health cover for your staff
Community and News
Community and News
At Navy Health, we are proud to be able to support the Australian Defence community and provide our members with high quality products and service. Explore our blog to find out more about our Defence sponsorships and events program, general information on private health insurance, advice when transitioning out of Defence, and general wellbeing tips and tricks.
Understanding Gap Cover and How It Works
Private Health Insurance can sometimes be confusing, especially when it comes to understanding what you can claim and what is an out-of-pocket cost. Put simply,
Staying Connected: Managing Family Stress During Deployments and Separations
Deployments and long separations may be part of life for Defence families, often testing emotional resilience and family bonds. While stress might be natural during
Private Hospital Benefits at Healthscope Hospitals
Navy Health is committed to ensuring members can access quality and affordable private hospital services. Through our partnership with the Australian Health Service Alliance (AHSA),
