Health cover for the Defence community
We specialise in providing health insurance to the ADF community, uniformed or not. Find out about private health cover and the benefits of joining Navy Health.
Health cover for the Defence community
We specialise in providing Defence health insurance to the ADF community, uniformed or not. Find out about private health cover and the benefits of joining Navy Health.
What is private health cover?
Private Health cover 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.
Hospital Cover overview
Private 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.
Ambulance cover included in all of our products
Accidental injury hospital claims accepted
No annual limits for included procedures
We offer three levels of Hospital cover with a range of pricing and benefits.
Explore and discover which product best suits you.
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.
Extras Cover overview
Regular health care costs can add up over time. Extras health insurance, also known as Ancillary Cover, allows you to claim back some of the costs of your regular out-of-hospital health care services and treatments that aren’t covered by Medicare. This includes Physiotherapy, Dental, Optical, and more.
Take out an Extras cover today to gain more control over your healthcare providers and reduce your out-of-pocket expenses. Extras health cover also allows you to:
- Maintain your general health and wellbeing
- Keep your ongoing health care costs lower
- Claim for natural therapies such as remedial massage and acupuncture
Generous benefits included above the standard level of cover
Up to two years to submit service claims
Product benefits reset every financial year
We offer three levels of Extras cover with a range of pricing and benefits.
Explore and discover which product best suits you.
Budget Extras
From
$12.27
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro.
Healthy Living Extras
From
$27.17
per fortnight
for singles under 30 in NSW on a base tier rebate
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.
Premium Extras
From
$43.48
per fortnight
for singles under 30 in NSW on a base tier rebate
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.
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras products.
Hospital Cover overview
Private 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.
Ambulance cover included in all of our products
Accidental injury hospital claims accepted
No annual limits for included procedures
We offer three levels of Hospital cover with a range of pricing and benefits.
Explore and discover which product best suits you.
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
$61.90
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.
Extras Cover overview
Regular health care costs can add up over time. Extras health insurance, also known as Ancillary Cover, allows you to claim back some of the costs of your regular out-of-hospital health care services and treatments that aren’t covered by Medicare. This includes Physiotherapy, Dental, Optical, and more.
Take out an Extras cover today to gain more control over your healthcare providers and reduce your out-of-pocket expenses. Extras health cover also allows you to:
-
Maintain your general health and wellbeing
-
Keep your ongoing health care costs lower
-
Claim for natural therapies such as remedial massage and acupuncture
-
Choose where you are treated including over 500 private hospitals
Generous benefits included above the standard level of cover
Up to two years to submit service claims
Product benefits reset every financial year
We offer three levels of Extras cover with a range of pricing and benefits.
Explore and discover which product best suits you.
Budget Extras
From
$12.27
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro.
Healthy Living Extras
From
$27.17
per fortnight
for singles under 30 in NSW on a base tier rebate
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.
Premium Extras
From
$43.48
per fortnight
for singles under 30 in NSW on a base tier rebate
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.
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras products.
Other reasons you should consider private health cover
In addition to Hospital Cover allowing you to skip the lengthy public wait lists, choose your own specialist, enjoy your own private room in a private hospital and Extras Cover enabling you to claim for services that aren’t covered by Medicare, you can also:
Pay less tax
The standard Medicare Levy is 2% of your taxable income and helps fund the costs of the Australian public health care system. For the 2025-2026 income year, commencing July 1, an additional Medicare Levy Surcharge of up to 1.5% may be payable when you earn above $101,000 a year as a single or $202,000 a year as a family. You can avoid this additional surcharge and pay less at tax time by taking out an appropriate level of hospital cover for you and any dependents for the full financial year.
For complete information on taxation treatment, refer to the Medicare and private health insurance | Australian Taxation Office .
For complete information on taxation treatment, refer to the Medicare and private health insurance | Australian Taxation Office .
Avoid paying more for your cover later in life
Lifetime Health Cover loading (LHC) is an Australian government initiative which encourages people to take out private Hospital cover and maintain it for life. You may be subject to LHC loading when you decide to take out Hospital cover after the 1st of July, following your 31st birthday. You could incur a 2% loading on your premiums for each year you are over 30 years of age, (to a maximum of 70%). The loading will be removed after ten continuous years of holding a private Hospital policy. By taking out Hospital cover at 30 years of age, you’ll be able to avoid these additional costs!
Disclaimer:
Information provided is intended to be general in nature and is not personal financial product advice. It does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) or other offer document prior to making financial based decisions.
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.
Army, Navy 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.
Benefits of joining 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. That’s why we offer top-quality, and affordable Defence health insurance.
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 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. We are not-for-profit health insurance fund, so 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.
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 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. We are not-for-profit health insurance fund, so 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.
BENEFITS OF JOINING 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. That’s why we offer top-quality, and affordable Defence health insurance.
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 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.
We are not-for-profit health insurance fund, so 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.
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 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.
We are not-for-profit health insurance fund, so 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.
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.
^ Based on Navy Health’s Trust Survey conducted in 2022.
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.
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© All images depicting Defence personnel are copyright of the ADF
© Navy Health Ltd All Rights Reserved 2025
© Navy Health Ltd All Rights Reserved 2025
Download the app
Stay connected
© All images depicting Defence personnel are copyright of the ADF
© Navy Health Ltd All Rights Reserved 2025
© Navy Health Ltd All Rights Reserved 2025
Download the app
Stay connected
© All images depicting Defence personnel are copyright of the ADF
© Navy Health Ltd All Rights Reserved 2025
© Navy Health Ltd All Rights Reserved 2025