Extras Cover options
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 options
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?
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
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.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
Services included in the product.
Services not included in the product.
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
Not covered.
2 month waiting period may apply
$300 annual limit ($600 per family)
$300 annual limit ($600 per family)
Not covered.
2 month waiting period may apply
$500 annual limit for General & Major Dental
$500 annual limit for General & Major Dental
12 month waiting period may apply
$500 annual limit for General & Major Dental
$500 annual limit for General & Major Dental
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
2 month waiting period may apply
$200 annual limit ($400 per family)
$200 annual limit ($400 per family)
2 month waiting period may apply
$200 annual limit
$200 annual limit
Not covered.
6 month waiting period may apply
$170 annual limit
$170 annual limit
Not covered.
2 month waiting period may apply
$300 annual limit
$300 annual limit
Not covered.
Not covered.
Not covered.
Not covered.
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.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
Services included in the product.
Services not included in the product.
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$550 annual limit ($1,100 per family)
$550 annual limit ($1,100 per family)
12 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
12 month waiting period may apply
$1,500 annual limit
$1,500 annual limit
12 month waiting period may apply
Maximum of $2,000 per course of treatment; 70% of provider fee per rolling three-year period. A treatment plan is required.
Maximum of $2,000 per course of treatment; 70% of provider fee per rolling three-year period. A treatment plan is required.
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
12 month waiting period may apply
$900 annual limit
$900 annual limit
2 month waiting period may apply
$1,000 annual limit
$1,000 annual limit
12 month waiting period may apply
$1,200 annual limit
$1,200 annual limit
6 month waiting period may apply
$400 annual limit
$400 annual limit
2 month waiting period may apply
$320 annual limit ($640 per family)
$320 annual limit ($640 per family)
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$400 annual limit
$400 annual limit
6 month waiting period may apply
$260 annual limit
$260 annual limit
2 month waiting period may apply
$200 annual limit
$200 annual limit
2 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$400 annual limit
$400 annual limit
Not covered.
2 month waiting period may apply
$300 annual limit
$300 annual limit
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.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
Services included in the product.
Services not included in the product.
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$750 annual limit ($1,500 per family)
$750 annual limit ($1,500 per family)
12 month waiting period may apply
$1,000 annual limit
$1,000 annual limit
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
12 month waiting period may apply
$2,000 annual limit
$2,000 annual limit
12 month waiting period may apply
Maximum of $2,500 per course of treatment; 80% of provider fee per rolling three-year period. A treatment plan is required.
Maximum of $2,500 per course of treatment; 80% of provider fee per rolling three-year period. A treatment plan is required.
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
12 month waiting period may apply
$1,300 annual limit
$1,300 annual limit
2 month waiting period may apply
$1,000 annual limit
$1,000 annual limit
12 month waiting period may apply
$1,500 annual limit
$1,500 annual limit
6 month waiting period may apply
$700 annual limit
$700 annual limit
2 month waiting period may apply
$550 annual limit ($1,100 per family)
$550 annual limit ($1,100 per family)
2 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
6 month waiting period may apply
$350 annual limit
$350 annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$850 annual limit
$850 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
$800 annual limit
$800 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
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.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
Services included in the product.
Services not included in the product.
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
Not covered.
2 month waiting period may apply
$300 annual limit ($600 per family)
$300 annual limit ($600 per family)
Not covered.
2 month waiting period may apply
$500 annual limit for General & Major Dental
$500 annual limit for General & Major Dental
12 month waiting period may apply
$500 annual limit for General & Major Dental
$500 annual limit for General & Major Dental
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
Not covered.
2 month waiting period may apply
$200 annual limit ($400 per family)
$200 annual limit ($400 per family)
2 month waiting period may apply
$200 annual limit
$200 annual limit
Not covered.
6 month waiting period may apply
$170 annual limit
$170 annual limit
Not covered.
2 month waiting period may apply
$300 annual limit
$300 annual limit
Not covered.
Not covered.
Not covered.
Not covered.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
Services included in the product.
Services not included in the product.
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$550 annual limit ($1,100 per family)
$550 annual limit ($1,100 per family)
12 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
12 month waiting period may apply
$1,500 annual limit
$1,500 annual limit
12 month waiting period may apply
Maximum of $2,000 per course of treatment; 70% of provider fee per rolling three-year period. A treatment plan is required.
Maximum of $2,000 per course of treatment; 70% of provider fee per rolling three-year period. A treatment plan is required.
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
12 month waiting period may apply
$900 annual limit
$900 annual limit
2 month waiting period may apply
$1,000 annual limit
$1,000 annual limit
12 month waiting period may apply
$1,200 annual limit
$1,200 annual limit
6 month waiting period may apply
$400 annual limit
$400 annual limit
2 month waiting period may apply
$320 annual limit ($640 per family)
$320 annual limit ($640 per family)
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$400 annual limit
$400 annual limit
6 month waiting period may apply
$260 annual limit
$260 annual limit
2 month waiting period may apply
$200 annual limit
$200 annual limit
2 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$400 annual limit
$400 annual limit
Not covered.
2 month waiting period may apply
$300 annual limit
$300 annual limit
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
Services included in the product.
Services not included in the product.
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$750 annual limit ($1,500 per family)
$750 annual limit ($1,500 per family)
12 month waiting period may apply
$1,000 annual limit
$1,000 annual limit
2 month waiting period may apply
Unlimited annual limit
Unlimited annual limit
12 month waiting period may apply
$2,000 annual limit
$2,000 annual limit
12 month waiting period may apply
Maximum of $2,500 per course of treatment; 80% of provider fee per rolling three-year period. A treatment plan is required.
Maximum of $2,500 per course of treatment; 80% of provider fee per rolling three-year period. A treatment plan is required.
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
12 month waiting period may apply
$1,300 annual limit
$1,300 annual limit
2 month waiting period may apply
$1,000 annual limit
$1,000 annual limit
12 month waiting period may apply
$1,500 annual limit
$1,500 annual limit
6 month waiting period may apply
$700 annual limit
$700 annual limit
2 month waiting period may apply
$550 annual limit ($1,100 per family)
$550 annual limit ($1,100 per family)
2 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
6 month waiting period may apply
$350 annual limit
$350 annual limit
2 month waiting period may apply
$300 annual limit
$300 annual limit
2 month waiting period may apply
$850 annual limit
$850 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
2 month waiting period may apply
$600 annual limit
$600 annual limit
2 month waiting period may apply
$800 annual limit
$800 annual limit
2 month waiting period may apply
$500 annual limit
$500 annual limit
Choosing the right level of 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.
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.
Important Information
The information shown above in our Extras cover comparison is a general summary only and does not take into account your specific circumstances.
Please also download the product statements for a full overview of our Extras products including Premium Extras, Healthy Living Extras, Budget Extras, and Saver Bronze+ Hospital & Extras 65 covers.
Choosing the right
level of 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.
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.
Want to add Hospital Cover
to your Extras?
Hospital cover allows you to receive treatment as a private patient in both the public and private hospital systems. It also enables you to avoid public waiting lists and choose your own specialist. View our three levels of cover.
Saver Bronze+ Hospital
From
$57.05
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy.
Core Silver+ Hospital
From
$65.26
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price.
Premium Gold Hospital
From
$107.27
per fortnight
$350 excess
for singles under 30 in NSW on a base tier rebate
Our highest level of Hospital insurance designed to provide top-level Hospital cover at over 500 private hospitals, recognised public hospitals, and day facilities across Australia.
Looking for the right Hospital cover for you?
Compare the benefits and limits of our Hospital products.
Want to add Hospital Cover to your Extras Cover?
Hospital cover allows you to receive treatment as a private patient in both the public and private hospital systems. It also enables you to avoid public waiting lists and choose your own specialist. View our three levels of cover.
Saver Bronze+ Hospital
From
$57.05
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Saver Bronze+ offers general treatment Hospital cover that may be ideal for those that are young, fit, and healthy.
Core Silver+ Hospital
From
$65.26
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Silver+ level Hospital cover offers a great compromise between coverage and price.
Premium Gold Hospital
From
$107.27
per fortnight
$350 excess
for singles under 30 in NSW on a base tier rebate
Our highest level of Hospital insurance designed to provide top-level Hospital cover at over 500 private hospitals, recognised public hospitals, and day facilities across Australia.
Looking for the right Hospital cover for you?
Compare the benefits and limits of our Hospital products.
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.
