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Premium Hospital

Being admitted to hospital is never relaxing. Fortunately, our Premium Hospital cover can relieve you of some of your worries. Premium Hospital is our most comprehensive hospital cover, providing up to 100% cover at over 490 private hospitals, recognised public hospitals and day hospital facilities across Australia.  The cover comes with your choice or no excess, $200 or $500 excess.


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

Your choice of no excess, $200 or $500 excess on this level of cover.

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

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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