Saver Bronze+ Hospital & Premium Extras
Saver Bronze+ Hospital & Premium Extras provides essential Hospital cover and premium Extras benefits for lifestyle-related services, ideal for young, health-conscious individuals.
Saver Bronze+ Hospital & Premium Extras
Saver Bronze+ Hospital & Premium Extras provides essential Hospital cover and premium Extras benefits for lifestyle-related services, ideal for young, health-conscious individuals.
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.
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.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
(2 month waiting period may apply)
100% of the cost of ambulance services within Australia provided that the service is from a State/Territory registered ambulance service and deemed medically necessary.
100% of the cost of ambulance services within Australia provided that the service is from a State/Territory registered ambulance service and deemed medically necessary.
(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 the investigation and management of diabetes. For example: stabilisation of hypo or hyper glycaemia, 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, 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, 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, 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 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 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 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 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
(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 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 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 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)
Medically necessary only.
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)
Medically necessary only.
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.
- RRestricted Services
(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.
(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, 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, cardiac rehabilitation.
- Excluded Services
Hospital treatment for fertility treatments or procedures.
For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra fallopian Transfer (GIFT).
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.
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Hospital treatment for dialysis treatment for chronic kidney failure.
For example: peritoneal dialysis and haemodialysis.
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.
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
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, spinal disc replacement.
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).
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring.
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
For example: gastric banding, gastric bypass, sleeve gastrectomy.
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 – $70
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $60
Subsequent Consultation – $41
Chiropractic X-rays (1 person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
Subsequent Consultation – $41
Chiropractic X-rays (1 person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
100% of the fee up to the annual limit
Includes repairs to the CPAP device.
Three year replacement period applies for new CPAP devices.
$1,000 annual limit per person.
12 month waiting period may apply.
Includes repairs to the CPAP device.
Three year replacement period applies for new CPAP devices.
$1,000 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.
Includes:
Periodontics (up to $1,000)
Extractions/Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns/Bridgework (up to $1,000)
Dentures^/Implants (up to $1,000)
^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 fully major dental annual sub-limit.
$2,000 annual limit per person.
12 month waiting period.
Periodontics (up to $1,000)
Extractions/Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns/Bridgework (up to $1,000)
Dentures^/Implants (up to $1,000)
^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 fully major dental annual sub-limit.
$2,000 annual limit per person.
12 month waiting period.
Maximum of $2,500 per course of treatment; 80% 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 – $80
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Initial consultation – $70
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit
Repairs on Hearing Aids up to $150
Supply of hearing aids is limited to one supply (either single or two aids) every three years.
The maximum three year limit applies to any three (rolling calendar) year period from the first date of service.
$1,300 annual limit per person.
12 month waiting period may apply.
Repairs on Hearing Aids up to $150
Supply of hearing aids is limited to one supply (either single or two aids) every three years.
The maximum three year limit applies to any three (rolling calendar) year period from the first date of service.
$1,300 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.
$1,500 annual limit per person.
12 month waiting period may apply.
One service every two (rolling) years.
$1,500 annual limit per person.
12 month waiting period may apply.
85% of the fee up to the annual limit.
$700 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
$700 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 $38
Natural therapies include Acupuncture, Chinese Herbal Medicine, Exercise Physiology, Myotherapy, Remedial Massage/Therapy. Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
From 1 April 2019, all health insurers will no longer be able to pay a benefit on the following Natural Therapies; Alexander technique, aromatherapy, Bowen therapy, Buteyko, Feldenkrais, herbalism, Western herbalism, homeopathy, iridology, kinesiology, naturopathy, reflexology, Rolfing, shiatsu, tai chi, and yoga.
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Natural therapies include Acupuncture, Chinese Herbal Medicine, Exercise Physiology, Myotherapy, Remedial Massage/Therapy. Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
From 1 April 2019, all health insurers will no longer be able to pay a benefit on the following Natural Therapies; Alexander technique, aromatherapy, Bowen therapy, Buteyko, Feldenkrais, herbalism, Western herbalism, homeopathy, iridology, kinesiology, naturopathy, reflexology, Rolfing, shiatsu, tai chi, and yoga.
$550 annual limit per person ($1,100 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.
$600 annual limit per person.
2 month waiting period may apply.
For more information and conditions please refer to the Pharmacy page.
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.
$600 annual limit per person.
2 month waiting period may apply.
For more information and conditions please refer to the Pharmacy page.
Initial consultation – $60
Subsequent consultation – $40
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $40
$500 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.
$350 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.
$350 annual limit per person.
6 month waiting period may apply.
85% of the fee up to the 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.
$300 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.
$300 annual limit per person.
2 month waiting period may apply.
Includes Telehealth Services.
Initial Consultation – $67
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person. 2 month waiting period may apply.
Initial Consultation – $67
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person. 2 month waiting period may apply.
Initial Consultation – $57
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Includes Telehealth Services.
Initial Consultation – $110
Subsequent Consultation – $80
Group Therapy – $55
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.
$600 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $80
Group Therapy – $55
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.
$600 annual limit per person.
2 month waiting period may apply.
Benefits include costs that result from a school accident to a member’s dependant child. Claims must be accompanied by notification of the accident on school letterhead.
$800 annual limit per person.
2 month waiting period may apply.
$800 annual limit per person.
2 month waiting period may apply.
Includes Telehealth Services.
Initial Consultation – $110
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Saver Bronze+ Hospital & Premium Extras
From
$100.53
per fortnight
500 excess
for singles under 30 in NSW on a base tier rebate
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.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
(2 month waiting period may apply)
100% of the cost of ambulance services within Australia provided that the service is from a State/Territory registered ambulance service and deemed medically necessary.
100% of the cost of ambulance services within Australia provided that the service is from a State/Territory registered ambulance service and deemed medically necessary.
(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 the investigation and management of diabetes. For example: stabilisation of hypo or hyper glycaemia, 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, 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, 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, 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 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 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 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 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
(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 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 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 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)
Medically necessary only.
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)
Medically necessary only.
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.
- RRestricted Services
(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.
(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, 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, cardiac rehabilitation.
- Excluded Services
Hospital treatment for fertility treatments or procedures.
For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra fallopian Transfer (GIFT).
For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra fallopian Transfer (GIFT).
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.
For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Hospital treatment for dialysis treatment for chronic kidney failure.
For example: peritoneal dialysis and haemodialysis.
For example: peritoneal dialysis and haemodialysis.
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.
For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
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, spinal disc replacement.
For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.
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).
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).
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest.
Hospital treatment for the investigation of sleep patterns and anomalies.
For example: sleep apnoea and snoring.
For example: sleep apnoea and snoring.
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
For example: gastric banding, gastric bypass, sleeve gastrectomy.
For example: gastric banding, gastric bypass, sleeve gastrectomy.
Not covered.
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.
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 – $70
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $60
Subsequent Consultation – $41
Chiropractic X-rays (1 person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
Subsequent Consultation – $41
Chiropractic X-rays (1 person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
100% of the fee up to the annual limit
Includes repairs to the CPAP device.
Three year replacement period applies for new CPAP devices.
$1,000 annual limit per person.
12 month waiting period may apply.
Includes repairs to the CPAP device.
Three year replacement period applies for new CPAP devices.
$1,000 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.
Includes:
Periodontics (up to $1,000)
Extractions/Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns/Bridgework (up to $1,000)
Dentures^/Implants (up to $1,000)
^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 fully major dental annual sub-limit.
$2,000 annual limit per person.
12 month waiting period.
Periodontics (up to $1,000)
Extractions/Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns/Bridgework (up to $1,000)
Dentures^/Implants (up to $1,000)
^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 fully major dental annual sub-limit.
$2,000 annual limit per person.
12 month waiting period.
Maximum of $2,500 per course of treatment; 80% 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 – $80
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Initial consultation – $70
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit
Repairs on Hearing Aids up to $150
Supply of hearing aids is limited to one supply (either single or two aids) every three years.
The maximum three year limit applies to any three (rolling calendar) year period from the first date of service.
$1,300 annual limit per person.
12 month waiting period may apply.
Repairs on Hearing Aids up to $150
Supply of hearing aids is limited to one supply (either single or two aids) every three years.
The maximum three year limit applies to any three (rolling calendar) year period from the first date of service.
$1,300 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.
$1,500 annual limit per person.
12 month waiting period may apply.
One service every two (rolling) years.
$1,500 annual limit per person.
12 month waiting period may apply.
85% of the fee up to the annual limit.
$700 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
$700 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 $38
Natural therapies include Acupuncture, Chinese Herbal Medicine, Exercise Physiology, Myotherapy, Remedial Massage/Therapy. Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
From 1 April 2019, all health insurers will no longer be able to pay a benefit on the following Natural Therapies; Alexander technique, aromatherapy, Bowen therapy, Buteyko, Feldenkrais, herbalism, Western herbalism, homeopathy, iridology, kinesiology, naturopathy, reflexology, Rolfing, shiatsu, tai chi, and yoga.
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Natural therapies include Acupuncture, Chinese Herbal Medicine, Exercise Physiology, Myotherapy, Remedial Massage/Therapy. Benefits are not payable on any prescribed medications, herbal or dietary preparations, or weight reduction programs.
From 1 April 2019, all health insurers will no longer be able to pay a benefit on the following Natural Therapies; Alexander technique, aromatherapy, Bowen therapy, Buteyko, Feldenkrais, herbalism, Western herbalism, homeopathy, iridology, kinesiology, naturopathy, reflexology, Rolfing, shiatsu, tai chi, and yoga.
$550 annual limit per person ($1,100 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.
$600 annual limit per person.
2 month waiting period may apply.
For more information and conditions please refer to the Pharmacy page.
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.
$600 annual limit per person.
2 month waiting period may apply.
For more information and conditions please refer to the Pharmacy page.
Initial consultation – $60
Subsequent consultation – $40
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $40
$500 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.
$350 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.
$350 annual limit per person.
6 month waiting period may apply.
85% of the fee up to the 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.
$300 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.
$300 annual limit per person.
2 month waiting period may apply.
Includes Telehealth Services.
Initial Consultation – $67
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person. 2 month waiting period may apply.
Initial Consultation – $67
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person. 2 month waiting period may apply.
Initial Consultation – $57
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Includes Telehealth Services.
Initial Consultation – $110
Subsequent Consultation – $80
Group Therapy – $55
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.
$600 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $80
Group Therapy – $55
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.
$600 annual limit per person.
2 month waiting period may apply.
Benefits include costs that result from a school accident to a member’s dependant child. Claims must be accompanied by notification of the accident on school letterhead.
$800 annual limit per person.
2 month waiting period may apply.
$800 annual limit per person.
2 month waiting period may apply.
Includes Telehealth Services.
Initial Consultation – $110
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
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.
