Budget Extras Cover
A simple cover for those looking to claim on popular healthcare services not covered by Medicare.
Budget Extras Cover
A simple cover for those looking to claim on popular healthcare services not covered by Medicare.
Essential general treatment benefits with Navy Health’s Budget Extras cover
Our Budget Extras offers a limited range of benefits to provide cover for commonly used services such as Optical, Dental, Physio, and Chiro. So, if you’re relatively fit, healthy, and looking for basic cover on out-of-hospital treatments with a lower annual limit, then our Budget Extras may be a great value product for you. It provides:
- Coverage for General and Major Dental treatments up to a set benefit
- A lower annual limit for Natural Therapies, Chiro, and Osteo
- Ambulance cover
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 – $30
Subsequent Consultation – $22
$300 annual limit per person ($600 per family).
2 month waiting period may apply.
Subsequent Consultation – $22
$300 annual limit per person ($600 per family).
2 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.
General Dental services are not subject to an individual category maximum, however, benefits paid towards these procedures do form part of the overall annual benefit limitation.
$500 annual limit per person.
2 month waiting period may apply.
Includes restorations, fillings and Occlusal Therapy.
General Dental services are not subject to an individual category maximum, however, benefits paid towards these procedures do form part of the overall annual benefit limitation.
$500 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:
Periodontics
Extractions
Oral Surgery
Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$500 annual limit per person.
12 month waiting period may apply.
Includes:
Periodontics
Extractions
Oral Surgery
Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$500 annual limit per person.
12 month waiting period may apply.
Per Service – $18
Natural Therapies include Acupuncture, Chinese Herbal Medicine, Myotherapy, Remedial Massage, and Exercise Physiology.
Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
$200 annual limit per person ($400 per family).
2 month waiting period may apply.
Natural Therapies include Acupuncture, Chinese Herbal Medicine, Myotherapy, Remedial Massage, and Exercise Physiology.
Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
$200 annual limit per person ($400 per family).
2 month waiting period may apply.
Per Prescription – up to $50
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.
$200 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.
$200 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.
$170 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.
$170 annual limit per person.
6 month waiting period may apply.
Initial Consultation – $37
Subsequent Consultation – $27
Group Session – $10
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $27
Group Session – $10
$300 annual limit per person.
2 month waiting period may apply.
- Excluded Services
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
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 – $30
Subsequent Consultation – $22
$300 annual limit per person ($600 per family).
2 month waiting period may apply.
Subsequent Consultation – $22
$300 annual limit per person ($600 per family).
2 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.
General Dental services are not subject to an individual category maximum, however, benefits paid towards these procedures do form part of the overall annual benefit limitation.
$500 annual limit per person.
2 month waiting period may apply.
General Dental services are not subject to an individual category maximum, however, benefits paid towards these procedures do form part of the overall annual benefit limitation.
$500 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:
Periodontics
Extractions
Oral Surgery
Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$500 annual limit per person.
12 month waiting period may apply.
Includes:
Periodontics
Extractions
Oral Surgery
Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$500 annual limit per person.
12 month waiting period may apply.
Per Service – $18
Natural Therapies include Acupuncture, Chinese Herbal Medicine, Myotherapy, Remedial Massage, and Exercise Physiology.
Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
$200 annual limit per person ($400 per family).
2 month waiting period may apply.
Natural Therapies include Acupuncture, Chinese Herbal Medicine, Myotherapy, Remedial Massage, and Exercise Physiology.
Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
$200 annual limit per person ($400 per family).
2 month waiting period may apply.
Per Prescription – up to $50
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
$200 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
$200 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
$170 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
$170 annual limit per person.
6 month waiting period may apply.
Initial Consultation – $37
Subsequent Consultation – $27
Group Session – $10
$300 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $27
Group Session – $10
$300 annual limit per person.
2 month waiting period may apply.
- Excluded Services
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Claiming your Budget 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 Budget Extras Product Information
The information shown above for our Budget 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.
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.
