Prime Silver+ Hospital Cover
For those wanting extensive Hospital cover without some pregnancy and childbirth-related inclusions.
Prime Silver+ Hospital Cover
For those wanting extensive Hospital cover without some pregnancy and childbirth-related inclusions.
About Prime Silver+ Hospital Cover
If you want extensive Hospital cover at a premium reduced by excluding weight loss and some pregnancy and childbirth-related services, our Prime Silver+ Hospital cover may be ideal for you. You’ll receive coverage for a broad range of services, including additional treatments that are generally included in Gold Cover, such as:
- Joint replacements
- Cataracts
- Dialysis for chronic kidney failure
- and more...
Prime Silver+ Hospital Cover
From
$81.66
per fortnight
$750 excess
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.
The included and additional services listed below will be covered under your Navy Health Hospital cover if the treatment is provided when you are admitted into hospital.
The included and additional services listed below will be covered under your Navy Health Hospital cover if the treatment is provided when you are admitted into hospital.
- Included Services*
(2 month waiting period may apply)
100% benefit for land, air, and sea ambulance services within Australia, provided by a State/Territory registered ambulance service, that is deemed medically necessary.
100% benefit for land, air, and sea ambulance services within Australia, provided by a State/Territory registered ambulance service, that is deemed medically necessary.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
For example: Sciatica, prolapsed or herniated disc and spine curvature disorders such as scoliosis, kyphosis and lordosis.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
For example: Sciatica, prolapsed or herniated disc and spine curvature disorders such as scoliosis, kyphosis and lordosis.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of blood and blood related conditions.
For example: Blood clotting disorders and bone marrow transplants.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of blood and blood related conditions.
For example: Blood clotting disorders and bone marrow transplants.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
For example: Carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
For example: Carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the brain, brain related conditions, spinal cord and peripheral nervous system.
For example: Stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the brain, brain related conditions, spinal cord and peripheral nervous system.
For example: Stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
For example: Breast lesions, breast tumours, asymmetry due to breast cancer surgery and gynecomastia.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
For example: Breast lesions, breast tumours, asymmetry due to breast cancer surgery and gynecomastia.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
(12 months for pre-existing)
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for surgery to the teeth and gums.
For example: Surgery to remove wisdom teeth and dental implant surgery.
(12 months for pre-existing)
Hospital treatment for surgery to the teeth and gums.
For example: Surgery to remove wisdom teeth and dental implant surgery.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and management of diabetes.
For example: Stabilisation of hypo or hyper glycaemia and contour problems due to insulin injections.
(12 months for pre-existing)
Hospital treatment for the investigation and management of diabetes.
For example: Stabilisation of hypo or hyper glycaemia and contour problems due to insulin injections.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
For example: Oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
For example: Oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
For example: Damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
For example: Damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
For example: Retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.
For example: Retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
For example: Colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).
(12 months for pre-existing)
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
For example: Colonoscopy, gastroscopy and endoscopic retrograde cholangiopancreatography (ERCP).
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the female reproductive system.
For example: Endometriosis, polycystic ovaries, female sterilisation and cervical cancer.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the female reproductive system.
For example: Endometriosis, polycystic ovaries, female sterilisation and cervical cancer.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the heart, heart related conditions and vascular system.
For example: Heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the heart, heart related conditions and vascular system.
For example: Heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of a hernia or appendicitis. Digestive conditions are listed separately under Digestive system.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of a hernia or appendicitis. Digestive conditions are listed separately under Digestive system.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device. Stapedectomy is listed separately under Ear, nose and throat.
(12 months for pre-existing)
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device. Stapedectomy is listed separately under Ear, nose and throat.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for surgery for joint reconstructions.
For example: Torn tendons, rotator cuff tears and damaged ligaments.
(12 months for pre-existing)
Hospital treatment for surgery for joint reconstructions.
For example: Torn tendons, rotator cuff tears and damaged ligaments.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
For example: Kidney stones, adrenal gland tumour and incontinence.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
For example: Kidney stones, adrenal gland tumour and incontinence.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the lungs, lung related conditions, mediastinum and chest.
For example: Lung cancer, respiratory disorders such as asthma, pneumonia and treatment of trauma to the chest.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the lungs, lung related conditions, mediastinum and chest.
For example: Lung cancer, respiratory disorders such as asthma, pneumonia and treatment of trauma to the chest.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
For example: Male sterilisation, circumcision and prostate cancer.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
For example: Male sterilisation, circumcision and prostate cancer.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
For example: Treatment of nerve pain and chest pain due to cancer by injection of a nerve block.
(12 months for pre-existing)
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
For example: Treatment of nerve pain and chest pain due to cancer by injection of a nerve block.
(2 month waiting period may apply)
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
For example: Burns requiring a graft, cleft palate, club foot and angioma.
(12 months for pre-existing)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.
For example: Burns requiring a graft, cleft palate, club foot and angioma.
(2 month waiting period may apply)
(12 months for pre-existing)
Must be provided by a registered podiatric surgeon.
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.
(12 months for pre-existing)
Must be provided by a registered podiatric surgeon.
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.
(2 month waiting period may apply)
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: Inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
For example: Inpatient and admitted day patient rehabilitation, stroke recovery and cardiac rehabilitation.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of skin, skin related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin related condition is also included.
For example: Melanoma, minor wound repair and abscesses.
(12 months for pre-existing)
Hospital treatment for the investigation and treatment of skin, skin related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin related condition is also included.
For example: Melanoma, minor wound repair and abscesses.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
(12 months for pre-existing)
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
- Additional Services*
This product also offers coverage for the below treatments and surgeries generally only available in the Gold level tier of Hospital cover.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
(12 months for pre-existing)
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for dialysis treatment for chronic kidney failure.
For example: Peritoneal dialysis and haemodialysis.
(12 months for pre-existing)
Hospital treatment for dialysis treatment for chronic kidney failure.
For example: Peritoneal dialysis and haemodialysis.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
(12 months for pre-existing)
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
For example: Replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint and spinal disc replacement.
(12 months for pre-existing)
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
For example: Replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint and spinal disc replacement.
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: Treatment of nerve pain, back pain and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
(12 months for pre-existing)
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
For example: Treatment of nerve pain, back pain and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).
(2 month waiting period may apply)
(12 months for pre-existing)
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: Sleep apnoea and snoring.
(12 months for pre-existing)
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: Sleep apnoea and snoring.
*Treatments that are provided in an outpatient setting, when you are not an admitted hospital patient, are not covered under private health insurance.
- RRestricted Services
- For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
(2 month waiting period may apply)
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
For example: Psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
For example: Psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
- Excluded Services
Not covered.
Not covered.
Not covered.
Not covered.
Why choose 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 January 2026 to 30 June 2026.
^ Based on Navy Health’s Trust Survey conducted in 2022.
^ Based on Navy Health’s Trust Survey conducted in 2022.
Choose your excess
Navy Health’s Prime Silver+ Hospital cover offers a choice of $500 or $750 excess. A higher excess means a lower annual premium, enabling you to choose the combination that best suits your needs.
The excess applies to the cost of in-patient hospitalisation in either a private, public or day hospital facility. It is payable once per person, per admission, in any rolling 12-month period. The excess does not apply to hospital admissions for dependents.
Additional Prime Silver+ Hospital Product Information
The information shown above for our Prime Silver+ Hospital cover is a general summary only and does not take into account your specific circumstances. Additional product information such as what’s covered during hospital admission, 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 Extras
to your Hospital Cover?
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
From
$12.36
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
$27.37
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
$43.80
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.
Want to add Extras to your Hospital Cover?
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
From
$12.36
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
$27.37
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
$43.80
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.
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.
