Healthy Living Extras Cover
Our most popular level of Extras cover offers benefits across a broad range of services and generous annual limits, helping you effectively manage your health and wellbeing.
Healthy Living Extras Cover
Our most popular level of Extras cover offers benefits across a broad range of services and generous annual limits, helping you effectively manage your health and wellbeing.
Great value general treatment benefits with Healthy Living Extras
Healthy Living Extras, our Silver Extras product, is our more popular level of general treatment cover providing a broad range of benefits across the services you use the most, including Dental, Optical, and Physio, with slightly lower annual limits than our Premium Extras product. It provides:
- Great value coverage on a range of out-of-hospital services not covered by Medicare
- Benefits for popular services such as Dental, Optical, Orthodontics, and Chiropractic
- Coverage for natural therapies such as Acupuncture and Remedial Massage
- Psychology consultation benefits
- Ambulance cover included
Healthy Living Extras Cover
From
$27.17
per fortnight
for singles under 30 in NSW on a base tier rebate
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
100% benefit for land, air, and sea ambulance services within Australia provided by a State/Territory registered ambulance service, that is deemed medically necessary.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Initial Consultation – $60
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $48
Subsequent Consultation – $35
Chiropractic X-rays (one per person per year) – $60
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Subsequent Consultation – $35
Chiropractic X-rays (one per person per year) – $60
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$600 annual limit per person.
12 month waiting period may apply.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$600 annual limit per person.
12 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes:
Major Dental Periodontics (up to $700)
Extractions and Oral Surgery (up to $700)
Endodontics (up to $700)
Crowns and Bridgework (up to $700)
Dentures^ and Implants (up to $700) ^ For dentures a rolling three-year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$1,500 annual limit per person.
12 month waiting period may apply.
Includes:
Major Dental Periodontics (up to $700)
Extractions and Oral Surgery (up to $700)
Endodontics (up to $700)
Crowns and Bridgework (up to $700)
Dentures^ and Implants (up to $700) ^ For dentures a rolling three-year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$1,500 annual limit per person.
12 month waiting period may apply.
Maximum of $2,000 per course of treatment; 70% of provider fee per rolling three-year period. A treatment plan is required.
12 month waiting period may apply.
12 month waiting period may apply.
Initial Consultation – $60
Subsequent Consultation – $40
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $40
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$300 annual limit per person.
2 month waiting period may apply.
Initial consultation – $60
Subsequent consultation – $35
$300 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $35
$300 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$900 annual limit per person.
12 month waiting period may apply.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$900 annual limit per person.
12 month waiting period may apply.
Per Service – $60
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
One service every two (rolling) years.
$1,200 annual limit per person.
12 month waiting period may apply.
One service every two (rolling) years.
$1,200 annual limit per person.
12 month waiting period may apply.
85% of the fee up to the annual limit.
$400 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
$400 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
Per Service – $32
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$320 annual limit per person ($640 per family).
2 month waiting period may apply.
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$320 annual limit per person ($640 per family).
2 month waiting period may apply.
Per Prescription – up to $120
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$500 annual limit per person.
2 month waiting period may apply.
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$500 annual limit per person.
2 month waiting period may apply.
Initial consultation $45
Subsequent consultation $33
$400 annual limit per person.
2 month waiting period may apply.
Subsequent consultation $33
$400 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$260 annual limit per person.
6 month waiting period may apply.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$260 annual limit per person.
6 month waiting period may apply.
85% of the fee up to annual limit.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$200 annual limit per person.
2 month waiting period may apply.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$200 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $55
Subsequent Consultation – $42
Group Session – $15
Ante/Post Natal Classes – up to $60
$600 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $42
Group Session – $15
Ante/Post Natal Classes – up to $60
$600 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $45
Subsequent Consultation – $35
Impression Cast – $40
Podiatry Surgery. Conditions apply. – $120
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $35
Impression Cast – $40
Podiatry Surgery. Conditions apply. – $120
$300 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $90
Subsequent Consultation – $70
Group Therapy – $35
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$400 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $70
Group Therapy – $35
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$400 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $90
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
- Excluded Services
Not covered.
Healthy Living Extras Cover
From
$27.17
per fortnight
for singles under 30 in NSW on a base tier rebate
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
100% benefit for land, air, and sea ambulance services within Australia provided by a State/Territory registered ambulance service, that is deemed medically necessary.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Initial Consultation – $60
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $48
Subsequent Consultation – $35
Chiropractic X-rays (one per person per year) – $60
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Subsequent Consultation – $35
Chiropractic X-rays (one per person per year) – $60
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$600 annual limit per person.
12 month waiting period may apply.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$600 annual limit per person.
12 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes:
Major Dental Periodontics (up to $700)
Extractions and Oral Surgery (up to $700)
Endodontics (up to $700)
Crowns and Bridgework (up to $700)
Dentures^ and Implants (up to $700)
^ For dentures a rolling three-year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$1,500 annual limit per person.
12 month waiting period may apply.
Includes:
Major Dental Periodontics (up to $700)
Extractions and Oral Surgery (up to $700)
Endodontics (up to $700)
Crowns and Bridgework (up to $700)
Dentures^ and Implants (up to $700)
^ For dentures a rolling three-year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$1,500 annual limit per person.
12 month waiting period may apply.
Maximum of $2,000 per course of treatment; 70% of provider fee per rolling three-year period. A treatment plan is required.
12 month waiting period may apply.
12 month waiting period may apply.
Initial Consultation – $60
Subsequent Consultation – $40
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $40
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$300 annual limit per person.
2 month waiting period may apply.
Initial consultation – $60
Subsequent consultation – $35
$300 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $35
$300 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$900 annual limit per person.
12 month waiting period may apply.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$900 annual limit per person.
12 month waiting period may apply.
Per Service – $60
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
One service every two (rolling) years.
$1,200 annual limit per person.
12 month waiting period may apply.
One service every two (rolling) years.
$1,200 annual limit per person.
12 month waiting period may apply.
85% of the fee up to the annual limit.
$400 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
$400 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
Per Service – $32
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$320 annual limit per person ($640 per family).
2 month waiting period may apply.
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$320 annual limit per person ($640 per family).
2 month waiting period may apply.
Per Prescription – up to $120
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$500 annual limit per person.
2 month waiting period may apply.
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$500 annual limit per person.
2 month waiting period may apply.
Initial consultation $45
Subsequent consultation $33
$400 annual limit per person.
2 month waiting period may apply.
Subsequent consultation $33
$400 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$260 annual limit per person.
6 month waiting period may apply.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$260 annual limit per person.
6 month waiting period may apply.
85% of the fee up to annual limit.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$200 annual limit per person.
2 month waiting period may apply.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$200 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $55
Subsequent Consultation – $42
Group Session – $15
Ante/Post Natal Classes – up to $60
$600 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $42
Group Session – $15
Ante/Post Natal Classes – up to $60
$600 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $45
Subsequent Consultation – $35
Impression Cast – $40
Podiatry Surgery. Conditions apply. – $120
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $35
Impression Cast – $40
Podiatry Surgery. Conditions apply. – $120
$300 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $90
Subsequent Consultation – $70
Group Therapy – $35
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$400 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $70
Group Therapy – $35
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$400 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $90
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $40
$300 annual limit per person.
2 month waiting period may apply.
- Excluded Services
Not covered.
Claiming your Healthy Living Extras benefits
1.
We use HICAPS and Health Point electronic systems that let you claim most of your Extras benefits on the spot after your consultation. Simply give the service provider your membership card. If there is a difference between your Extras benefits and the fee charged by your provider, you will need to pay this at the time of service.
2.
Members can also claim using our Navy Health digital services. Our mobile app can be downloaded through the App Store, Google Play Store, or via the Member Portal. This is the preferred method for Orthodontic, Ambulance, MPAs, and Pharmacy claims as they cannot be claimed through HICAPS or Healthpoint.
3.
If you are unable to claim using either of the above methods, you can submit your claim online through the Member Portal, or complete a claim form and post, email, or fax it to us.
Additional Healthy Living Extras Product Information
The information shown above for Healthy Living Extras, our Silver Extras cover, is a general summary only and does not take into account your specific circumstances. Additional product information such as what’s covered, waiting periods, exclusions and more, can be found in our Product Statement.
It is important you read this carefully and retain a copy for your records.
Want to add Hospital Cover to your Extras Cover?
Hospital cover allows you to receive treatment as a private patient in both the public and private hospital systems. It also enables you to avoid public waiting lists and choose your own specialist. View our three levels of cover.
Saver Bronze+ Hospital
From
$57.05
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy.
Core Silver+ Hospital
From
$65.26
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price.
Premium Gold Hospital
From
$107.27
per fortnight
$350 excess
for singles under 30 in NSW on a base tier rebate
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.
Looking for the right Hospital cover for you?
Compare the benefits and limits of our Hospital products.
Want to add Hospital Cover
to your Extras?
Hospital cover allows you to receive treatment as a private patient in both the public and private hospital systems. It also enables you to avoid public waiting lists and choose your own specialist. View our three levels of cover.
Saver Bronze+ Hospital
From
$57.05
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy.
Core Silver+ Hospital
From
$65.26
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price.
Premium Gold Hospital
From
$107.27
per fortnight
$350 excess
for singles under 30 in NSW on a base tier rebate
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.
Looking for the right Hospital cover for you?
Compare the benefits and limits of our Hospital products.
Do you know which cover is right for you?
Get a quote or if you still need help selecting the best cover to suit your needs, contact our experienced team for support.
