Hospital Cover Options
Jump the public wait list and get covered for hospital treatments with our private Hospital cover options.
Hospital Cover Options
Jump the public wait list and get covered for hospital treatments with our private Hospital cover options.
What is private
Hospital cover?
What is Private Hospital Cover?
Private health insurance Hospital cover allows you to receive treatment as a private patient in a private hospital. It also enables you to:
Enjoy your own private room (subject to availability)
Choose your own specialist
Avoid public hospital waiting lists
Choose where you are treated including over 500 private hospitals
Hospital stays can be expensive, which is why private Hospital cover gives you the peace of mind knowing you and your family may be protected against the unexpected. The benefits paid may help alleviate doctor’s fees, cost of theatre, and the overall cost of your stay. Our hospital products all include ambulance and accidental injury cover, and don’t have annual limits.
What is private Hospital cover?
What is private Hospital cover?
Private health insurance Hospital cover allows you to receive treatment as a private patient in a private hospital. It also enables you to:
Avoid public hospital waiting lists
Enjoy your own private room (subject to availability)
Choose your own specialist
Choose where you are treated including over 500 private hospitals
Hospital stays can be expensive, which is why private Hospital cover gives you the peace of mind knowing you and your family may be protected against the unexpected. The benefits paid may help alleviate doctor’s fees, cost of theatre, and the overall cost of your stay. Our hospital products all include ambulance and accidental injury cover, and don’t have annual limits.
Hospital cover options
At Navy Health, we offer three levels of Hospital cover with a range of pricing and benefits. Explore now to discover which product best suits you.
Hospital cover options
At Navy Health, we offer three levels of Hospital cover with a range of pricing and benefits. Explore now to discover which product best suits you.
Saver Bronze+ Hospital
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy, with benefits including:
✓ Bone, joint and muscle*
✓ Chemotherapy, radiotherapy, and immunotherapy for cancer*
✓ Gastrointestinal endoscopy*
✓ Joint reconstructions*
✓ Tonsils, adenoids, and grommets*
And more..
Core Silver+
Hospital
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price. Benefits include coverage for:
✓ Back, neck, and spine*
✓ Heart and vascular system*
✓ Insulin pumps*
✓ Rehabilitation*
✓ Sleep studies*
And more..
Premium Gold Hospital
Navy Health’s Premium Gold Hospital is our highest level of Hospital insurance designed to provide top-level Hospital cover at over 500 private hospitals, recognised public hospitals, and day facilities across Australia. Benefits include coverage for:
✓ Cataracts*
✓ Hospital psychiatric services*
✓ Joint replacements*
✓ Pregnancy and childbirth*
✓ Weight loss surgery*
And more..
View product >
View product >
View product >
Saver Bronze+
Hospital
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy, with benefits including:
✓ Bone, joint and muscle*
✓ Chemotherapy, radiotherapy, and immunotherapy for cancer*
✓ Gastrointestinal endoscopy*
✓ Joint reconstructions*
✓ Tonsils, adenoids, and grommets*
And more..
Core Silver+
Hospital
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price. Benefits include coverage for:
✓ Back, neck, and spine*
✓ Heart and vascular system*
✓ Insulin pumps*
✓ Rehabilitation*
✓ Sleep studies*
And more..
Premium Gold Hospital
Navy Health’s Premium Gold Hospital is our highest level of Hospital insurance designed to provide top-level Hospital cover at over 500 private hospitals, recognised public hospitals, and day facilities across Australia. Benefits include coverage for:
✓ Cataracts*
✓ Hospital psychiatric services*
✓ Joint replacements*
✓ Pregnancy and childbirth*
✓ Weight loss surgery*
And more..
View product >
View product >
View product >
Saver Bronze+
Hospital
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy, with benefits including:
✓ Bone, joint and muscle*
✓ Chemotherapy, radiotherapy, and immunotherapy for cancer*
✓ Gastrointestinal endoscopy*
✓ Joint reconstructions*
✓ Tonsils, adenoids, and grommets*
And more..
View product >
Core Silver+
Hospital
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price. Benefits include coverage for:
✓ Back, neck, and spine*
✓ Heart and vascular system*
✓ Insulin pumps*
✓ Rehabilitation*
✓ Sleep studies*
And more..
View product >
Premium Gold Hospital
Navy Health’s Premium Gold Hospital is our highest level of Hospital insurance designed to provide top-level Hospital cover at over 500 private hospitals, recognised public hospitals, and day facilities across Australia. Benefits include coverage for:
✓ Cataracts*
✓ Hospital psychiatric services*
✓ Joint replacements*
✓ Pregnancy and childbirth*
✓ Weight loss surgery*
And more..
View product >
*Please note, waiting periods and pre-existing conditions may apply. View the Important information about your policy document for more information.
Why Navy Health?
Members
before profits
As a not-for-profit health insurance 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.
Members
before profits
As a not-for-profit health insurance fund, we put members before profits, and return more back in benefits.
Highly
trusted
Navy Health members have rated their trust with us at 86%^.
Customer satisfaction
How happy are you with your health fund? Our members rate their satisfaction at 93%*.
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.
* 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.
Pair with one of our Extras covers
Extras covers you for everyday health care services that aren’t covered by Medicare, such as Physio, Dental and Optical, to help you take better care of your health. As a bonus, all of our Extras products come with ambulance cover included.
Pair with one of our Extras covers
Extras covers you for everyday health care services that aren’t covered by Medicare, such as Physio, Dental and Optical, to help you take better care of your health. As a bonus, all of our Extras products come with ambulance cover included.
Budget Extras
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro. Benefits include:
✓ Chiropractic and Osteopathy ($300 annual limit)*
✓ General, Periodontics and Extractions ($500 annual limit)*
✓ Natural Therapies ($200 annual limit)*
✓ Optical ($170 annual limit)*
✓ Physiotherapy ($300 annual limit)*
And more..
Healthy Living Extras
Navy Health’s most popular level of Extras cover which offers great value and annual benefits on all our Extras services (excluding school accidents). This product includes:
✓ CPAP Devices ($600 annual limit)*
✓ Unlimited General Dental*
✓ Major Dental ($1,500 annual limit)*
✓ Orthodontic ($2,000 limit over 3-year period)*
✓ Podiatry and Chiropody ($300 annual limit)*
And more..
Premium Extras
Our most comprehensive level of Extras cover offering you and your family the best benefits and highest annual limits, with no exclusions on any of our available services. Benefits include all service categories found in our Healthy Living Extras product with higher annual limits, such as:
✓ CPAP Devices ($1,000 annual limit)*
✓ Unlimited General Dental*
✓ Major Dental ($2,000 annual limit)*
✓ Orthodontic ($2,500 limit over 3-year period)*
✓ Podiatry and Chiropody ($500 annual limit)*
And more..
View product >
View product >
View product >
Budget Extras
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro. Benefits include:
✓ Chiropractic and Osteopathy ($300 annual limit)*
✓ General, Periodontics and Extractions ($500 annual limit)*
✓ Natural Therapies ($200 annual limit)*
✓ Optical ($170 annual limit)*
✓ Physiotherapy ($300 annual limit)*
And more..
Healthy Living Extras
Navy Health’s most popular level of Extras cover which offers great value and annual benefits on all our Extras services (excluding school accidents). This product includes:
✓ CPAP Devices ($600 annual limit)*
✓ Unlimited General Dental*
✓ Major Dental ($1,500 annual limit)*
✓ Orthodontic ($2,000 limit over 3-year period)*
✓ Podiatry and Chiropody ($300 annual limit)*
And more..
Premium Extras
Our most comprehensive level of Extras cover offering you and your family the best benefits and highest annual limits, with no exclusions on any of our available services. Benefits include all service categories found in our Healthy Living Extras product with higher annual limits, such as:
✓ CPAP Devices ($1,000 annual limit)*
✓ Unlimited General Dental*
✓ Major Dental ($2,000 annual limit)*
✓ Orthodontic ($2,500 limit over 3-year period)*
✓ Podiatry and Chiropody ($500 annual limit)*
And more..
View product >
View product >
View product >
Budget Extras
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro. Benefits include:
✓ Chiropractic and Osteopathy ($300 annual limit)*
✓ General, Periodontics and Extractions ($500 annual limit)*
✓ Natural Therapies ($200 annual limit)*
✓ Optical ($170 annual limit)*
✓ Physiotherapy ($300 annual limit)*
And more..
View product >
Healthy Living Extras
Navy Health’s most popular level of Extras cover which offers great value and annual benefits on all our Extras services (excluding school accidents). This product includes:
✓ CPAP Devices ($600 annual limit)*
✓ Unlimited General Dental*
✓ Major Dental ($1,500 annual limit)*
✓ Orthodontic ($2,000 limit over 3-year period)*
✓ Podiatry and Chiropody ($300 annual limit)*
And more..
View product >
Premium Extras
Our most comprehensive level of Extras cover offering you and your family the best benefits and highest annual limits, with no exclusions on any of our available services. Benefits include all service categories found in our Healthy Living Extras product with higher annual limits, such as:
✓ CPAP Devices ($1,000 annual limit)*
✓ Unlimited General Dental*
✓ Major Dental ($2,000 annual limit)*
✓ Orthodontic ($2,500 limit over 3-year period)*
✓ Podiatry and Chiropody ($500 annual limit)*
And more..
View product >
*Please note: Set benefits, sub limits, and waiting periods may apply.
Looking for the right Extras cover for you? Compare the benefits and annual limits included in each of our Extras products.
