Welcome to Navy Health
Private health cover for everyone connected
to Defence
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.
Welcome to Navy Health
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.
GET MORE FROM YOUR HEALTH COVER, SOONER
Join with Hospital and Extras Cover before 31 August 2025 and we’ll waive your 2 and 6 month waiting periods on Extras!*
Use promo code: SKIP2&6
*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 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.
Confirm your eligibility
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.
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 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.
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.
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.
Navy Health is
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
WHAT OUR
MEMBERS SAY
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.
Hospital 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+.
Extras Cover
Extras 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.
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
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
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.
The Benefits of Preventive Care and Regular Check-Ups: Why Extras Cover is Essential for Seniors
As we age, staying healthy means staying proactive. Preventive care helps seniors detect health issues early, maintain quality of life, and avoid costly treatments down the line.
Simple healthy eating tips for festive season
With a few simple strategies, like eating more fruit and vegetables, making healthier swaps, moderating alcohol, or staying active, you can enjoy the season while still looking after your health.
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.