Extras Cover
Extras health insurance provides cover for those out of hospital, everyday services such as Dental, Optical, and Physio to help you take better care of your health and get on with living.
Extras Cover
Extras health insurance provides cover for those out of hospital, everyday services such as Dental, Optical, and Physio to help you take better care of your health and get on with living.
What is private Extras cover?
What is private Extras cover?
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. With Navy Health you’ll have up to two years to submit service claims and your product benefits will reset every financial year.
Take out our Extras cover today to gain more control over your healthcare providers and reduce your out-of-pocket expenses. Extras only health insurance 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 accupuncture
What is private Extras cover?
What is private Extras cover?
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. With Navy Health you’ll have up to two years to submit service claims and your product benefits will reset every financial year.
Take out our Extras cover today to gain more control over your healthcare providers and reduce your out-of-pocket expenses. Extras only health insurance 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
Extras cover options
At Navy Health, we offer three levels of Extras cover with a range of pricing and benefits. Explore now to discover which product best suits you.
Extras cover options
At Navy Health, we offer three levels of Extras cover with a range of pricing and benefits. Explore now to discover which product best suits you.
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 >
*Please note: Set benefits, sub limits, and waiting periods may apply.
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
Choosing the right level of private health Extras cover
Choosing the right level of private health Extras cover
Choosing the right level of cover for you or your family is highly dependent on your own personal needs and budgets. Start by considering your (and if relevant your family’s) health and lifestyle needs, then determine which services are most important to you, and which ones you currently use. Do you wear glasses? Do you plan on having children? Are you active and require physio, acupuncture, or massages to be included in your benefits?
Next you will need to consider which of these services you plan to use most and estimate how much you plan to spend on these services annually. If you’re likely to need more optical services such as glasses and contact lenses for either yourself or your family, then you may want to consider a more comprehensive level of cover.
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.
Pair with one of our Hospital covers
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
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 >
Pair with one of our Hospital covers
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
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.
*Please note, waiting periods and pre-existing conditions may apply. View the Important information about your policy document for more information.
Looking for the right combined cover that suits your needs? Compare the benefits included in each of our Hospital products.
