ABOUT
NAVY HEALTH
Explore the benefits of becoming a Navy Health member, what our organisation stands for, our cultural values, and more.
Navy Health eligibility
Navy Health was founded in 1955 and is a not-for-profit health fund run to benefit members.
For nearly 70 years, we’ve provided top-quality, affordable health insurance to serving and ex-serving Australian Defence Force members and their families, up to and including grandkids. We also look after the broader ADF community by offering cover to the thousands of Australians who work for companies that supply Australia’s Defence Force.
In short, uniformed or not, there’s a good chance you’re eligible to enjoy a better deal on your health insurance and experience the compassionate service of a health insurer with a members first culture.
For nearly 70 years, we’ve provided top-quality, affordable health insurance to serving and ex-serving Australian Defence Force members and their families, up to and including grandkids. We also look after the broader ADF community by offering cover to the thousands of Australians who work for companies that supply Australia’s Defence Force.
In short, uniformed or not, there’s a good chance you’re eligible to enjoy a better deal on your health insurance and experience the compassionate service of a health insurer with a members first culture.
ABOUT NAVY HEALTH
Explore the benefits of becoming a Navy Health member, what our organisation stands for, our cultural values, and more.
Navy Health eligibility
Navy Health was founded in 1955 and is a not-for-profit health fund run to benefit members.
For 70 years, we’ve provided top-quality, affordable health insurance to serving and ex-serving Australian Defence Force members and their families, up to and including grandkids. We also look after the broader ADF community by offering cover to the thousands of Australians who work for companies that supply Australia’s Defence Force.
In short, uniformed or not, there’s a good chance you’re eligible to enjoy a better deal on your health insurance and experience the compassionate service of a health insurer with a members first culture.
Navy, Army or 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 Industry
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.
Navy, Army or 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 Industry
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.
THE NAVY HEALTH VISION AND MISSION
Our mission and vision identify our organisations overarching purpose and what we aim to achieve for the Defence community.
Our Vision
To be the natural choice in health insurance for the Defence family.
Our Mission
To open the door to better health and wellbeing.
THE NAVY HEALTH VALUES
Our company values help define who we are as an organisation, why we do what we do and the team culture that connects our employees and guides our day-to-day operations. These five values are:
Members
first
Our members are our heartbeat. Everything we do, we do for them.
We care
We act with compassion. We embrace empathy and human connection with our colleagues and our members.
We are
one team
We succeed because we work as one team. We’re better together.
We act with integrity and respect
We do the right thing and build trust.
We strive
for better
We continually look for ways to improve. Great is better than good.
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 January 2025 to 30 June 2025.
^ Based on Navy Health’s Trust Survey conducted in 2022.
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.
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.
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.
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.
Navy Health Capital Position
The Australian Prudential Regulation Authority (APRA) requires private health insurers to hold a certain level of capital so that the community can have confidence that they will be able to meet their financial commitments.
At 30 June 2025, Navy Health held 3.55 times the amount of capital required.
At 30 June 2025, Navy Health held 3.55 times the amount of capital required.
Navy Health Remuneration Practices
The Australian Prudential Regulation Authority (APRA) requires Navy Health to publish information on its remuneration practices.
OUR BOARD OF DIRECTORS
The Navy Health Board is made up of senior leaders from financial services, legal, and healthcare industries, as well as highly ranked ADF personnel.
They speak the language of Defence, and value loyalty and service to our members above all else.
To find out more about their qualifications, experience, and committee involvement, click here.
Navy Health is proud to be part of Members Health Fund alliance
Who are Members Health?
The Members Health Fund Alliance is an association joined by private health insurance funds that seek to put members’ health and wellbeing before profit, whether they be not-for-profit or part of a member-owned group.
We are proud to be a part of this alliance and collaborate with like-minded funds to help deliver better outcomes for our members.
We are proud to be a part of this alliance and collaborate with like-minded funds to help deliver better outcomes for our members.
What does this mean for our members?
- More benefits back to policyholders
Funds such as Navy Health that are part of this alliance have a value-based, member-driven business model, which means, as a group, they return more premiums back to members than for-profit competitors.
- High policyholder satisfaction
Members Health funds consistently average higher customer satisfaction and retention rates. With competitive insurance premiums, they represent excellent value for money.
- Customer retention and growth
Members Health funds now cover over 5 million Australians and because they put their members before profit and offer generous benefits, this number continues to grow. Members also stay with these funds longer than for-profit competitors.
- Higher levels of trust
When it comes to trust, Members Health funds are in a league of their own. Independent surveys of fund members show that participating insurers have trust scores well above some of Australia’s biggest household brands.
- Competitive health insurance premiums
As not-for-profit funds, they don’t have to pay dividends or drive profits for shareholders and investors, allowing them to operate on smaller margins, offer competitive premiums, and give more back to members.
Interested in a career with Navy Health?
Just as we can rely on the members of our Defence Forces to be there when the going gets tough, we strive to ensure that the members of Navy Health can rely on us. Every decision we make is intended to benefit our members.
That’s why we’re always looking for talented individuals that are passionate about providing excellent service and enhancing the health outcomes for our members.
We are delighted to share that Navy Health has been awarded the ‘Best Employer 2024’ award by Insync. Over the last 4 years we have partnered with Insync to facilitate our annual Alignment and Engagement survey which has helped us get to where we are today! Being a values-based organisation we pride ourselves on a workplace culture which is positive, caring, supportive and where our people feel valued and recognised.
Navy Health has been awarded ‘Best Employer 2024’ for achieving exceptional ranking in the top 10% of our benchmarked alignment and engagement survey. We are so proud of this achievement. You can read more about this recognition here.
If you’re interested in joining our team, submit an expression of interest by emailing us your resume and cover letter to recruitment@navyhealth.com.au
That’s why we’re always looking for talented individuals that are passionate about providing excellent service and enhancing the health outcomes for our members.
We are delighted to share that Navy Health has been awarded the ‘Best Employer 2024’ award by Insync. Over the last 4 years we have partnered with Insync to facilitate our annual Alignment and Engagement survey which has helped us get to where we are today! Being a values-based organisation we pride ourselves on a workplace culture which is positive, caring, supportive and where our people feel valued and recognised.
Navy Health has been awarded ‘Best Employer 2024’ for achieving exceptional ranking in the top 10% of our benchmarked alignment and engagement survey. We are so proud of this achievement. You can read more about this recognition here.
If you’re interested in joining our team, submit an expression of interest by emailing us your resume and cover letter to recruitment@navyhealth.com.au
Interested in a career with Navy Health?
Just as we can rely on the members of our Defence Forces to be there when the going gets tough, we strive to ensure that the members of Navy Health can rely on us. Every decision we make is intended to benefit our members.
That’s why we’re always looking for talented individuals that are passionate about providing excellent service and enhancing the health outcomes for our members.
We are delighted to share that Navy Health has been awarded the ‘Best Employer 2024’ award by Insync. Over the last 4 years we have partnered with Insync to facilitate our annual Alignment and Engagement survey which has helped us get to where we are today! Being a value-based organisation we pride ourselves on a workplace culture which is positive, caring, supportive and where our people feel valued and recognised.
Navy Health has been awarded ‘Best Employer 2024’ for achieving exceptional ranking in the top 10% of our benchmarked alignment and engagement survey. We are so proud of this achievement. You can read more about this recognition here.
If you’re interested in joining our team, submit an expression of interest by emailing us your resume and cover letter to recruitment@navyhealth.com.au.
That’s why we’re always looking for talented individuals that are passionate about providing excellent service and enhancing the health outcomes for our members.
We are delighted to share that Navy Health has been awarded the ‘Best Employer 2024’ award by Insync. Over the last 4 years we have partnered with Insync to facilitate our annual Alignment and Engagement survey which has helped us get to where we are today! Being a value-based organisation we pride ourselves on a workplace culture which is positive, caring, supportive and where our people feel valued and recognised.
Navy Health has been awarded ‘Best Employer 2024’ for achieving exceptional ranking in the top 10% of our benchmarked alignment and engagement survey. We are so proud of this achievement. You can read more about this recognition here.
If you’re interested in joining our team, submit an expression of interest by emailing us your resume and cover letter to recruitment@navyhealth.com.au.
COMMUNITY & 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.
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Navy Health Capital Position 2025
At 30 June 2025, the amount of capital held by Navy Health was 3.55 times the amount required by APRA.