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NT Hospital 300

Prefer to pay lower premiums? NT Hospital 300 offers the same comprehensive benefits as our NT (Premium) Hospital cover, with the flexibility of an excess.

By choosing NT Hospital 300, members can take advantage of the lower premium by choosing to pay the $300 excess on top of any patient contribution that would normally apply to NT (Premium) Hospital. Excess payments do not apply to hospital admissions for dependants.

NT Hospital 300 cover is available to NT residents only. Residents of other states can be covered with the equivalent Healthy Hospital 200 or 500 covers.

What’s Covered
Restricted Coverage What’s Not Covered
Treatment for Accidents

Tonsils, adenoids, appendix

Wisdom teeth

Arthroscopy + colonoscopy


Reproductive Services

Shoulder + spinal surgery

Knee reconstructions

Cardiac services

Psychiatric services


Cataract removal

Dental surgery

Kidney dialysis

Major joint replacement

Bariatric surgery

Prosthetic Appliances

Early Release Home Nursing

 Podiatry Surgery Cosmetic surgery

Services where Medicare does not pay a benefit


Hospital Cover

You can be treated as a private patient in both a public and private hospital.


This level of hospital cover essentially provides coverage of all procedures, however no cover is available for cosmetic surgery or where Medicare doesn’t pay a benefit.

Hospital Excess

The $300 excess applies to the cost of in-patient hospitalisation in either a private, public or day hospital facility. Excess payments do not apply to hospital admissions for dependants.

For singles, the excess is only payable once in any rolling 12 month period (once the excess is paid in full). From the day you go into hospital, Navy Health will not charge another excess for  a minimum of 12 months.

For families, the excess is payable per admission up to the family maximum of 2 admissions, in any rolling 12 month period.

For example, if Mary goes to hospital whilst covered under NT Hospital 300, an excess of $300 is payable. If within twelve months of paying the excess, Mary’s husband Joe goes into hospital, the $200 excess is to be paid again. For any subsequent hospitalisations in the same rolling 12 month period, no excess is payable.

Transferring from Another Health Insurer

Transferring is easy – simply advise us of your previous health insurer and if you have had cover at an equivalent or higher level than the one you are transferring to at Navy Health you will not have any waiting periods. If you are transferring to a higher cover with Navy Health (with more services covered also) you may have to wait to claim on these however we will continue to cover you at the existing level until you have served those waiting periods. Find out more

Waiting Periods

Hospital benefits are payable after two months of membership on the selected level of cover, excluding any waiting periods for pre-existing conditions. Maternity (or admissions related to the management of) and IVF procedures, attract a 12 month waiting period at the selected level of cover.

For pre-existing conditions, benefits will not be payable for the first 12 months of membership for any illness, ailment or condition, the signs or symptoms of which were known, or which a medical or para-medical practitioner appointed by the company considers, after examining information furnished by the member’s practitioner, and other material relevant to a claim for benefits, were in existence in the member or his/her dependant at any time during the six months preceding the commencement or transfer date.

Psychiatric, Rehabilitative and Palliative Care are not subject to pre-existing condition rules.

This is irrespective of whether the member or dependant was aware of the pre-existing illness, ailment or condition, and includes all proposed elective or cosmetic procedures. Find out more

Ambulance Cover

100% of the fee for all ambulance services within Australia provided that the service is from a State / Territory registered ambulance service.

Health + Care Program

If you elect to leave hospital early to recover at home, provided it is considered medically appropriate, you may be eligible to receive a range of support services in your home.

More Information

NT Hospital 300 cover is available to NT residents only. Residents of other states can be covered with the equivalent Healthy Hospital 200 or 500 covers.

For more detailed information regarding this cover please refer to the complete Health Cover brochure or telephone Navy Health on 1300 306 289.

Please ensure that when you are accepted as a member of Navy Health that you read and retain all information sent to you regarding your membership.

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