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Deceased Estates

If you’ve recently suffered a loss, we’re here to help you through this difficult time by providing a professional, supportive, simple and efficient service.

We understand that you may have a lot to deal with right now and this information has been prepared to guide you through the process of managing a deceased estate. It is designed to inform you of the steps that need to be taken to finalise the health insurance policy that the deceased member held with Navy Health

Navy Health is here to help you. If there is anything we can do to make this process easier for you, please do not hesitate to contact our Deceased Estates Team on 1300 306 289 between 8.30am and 5:00pm, Monday to Friday (AEST).

Who is able to deal with the estate?
  • If the membership was in a joint name, the surviving adult can administer the deceased estate
  • If the membership was held singularly an executor can administer the deceased estate
  • An authorised person stated on the membership
  • A Next of Kin as stated on a statutory declaration
The deceased died without a will, what do I do?

It is recommended that you seek independent legal advice.

The policy is in a joint name, does the executor have to get involved?

Generally not. The surviving member can obtain a statutory declaration outlining they are the next of kin and provide us with instructions to covert the policy to their name or close the policy.

What happened to monies paid in advance?

If the policy was held in a joint name, the policy amount will be calculated as a ‘single’ policy and the funds will be credited to the policy at the new rate.

If the policy was held singularly, any funds paid in advance will be sent via cheque “in the estate of…”

Where will the correspondence go?

If the policy was held in a joint name, the correspondence will go to the registered address on the policy unless otherwise stated.

If the policy is held singularly the address can be updated to the executors, next of kin or authorised person.

Will I receive any correspondence in the future for the deceased person?

Yes. There will be a tax statement that will be received in July address to “the estate of…” This will only be received once. You may also receive a remittance advice of any hospital or medical claim that have been paid in the past month. 

How do I prove that I am the executor?

Please send in a copy of the front page of the will.

How do I prove I am Next of Kin

Navy Health will accept a statutory declaration. A blank statutory declaration is available here.


Steps in finalising the health insurance policy

Step 1:

Contact us to advise us of who has passed away

  • Call 1300 306 289 to speak with our deceased estates team, or
  • Send a copy of the death certificate or death notice from the paper to An accompanying letter details the member number and the deceased full name will also be required.
  • Include all required forms, i.e. statutory declaration advising next of kin or the front page of the will advising who the executor is.

Step 2:

Navy Health will contact you (if required)

We will write or email you to provide us with more information to finalise the health insurance.

Step 3:

Navy Health will confirm all changes

Navy Health will write or email you to confirm the actions that have been taken on the policy.

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