Each member 16 and over can now register for their own account to access our Mobile App and Member Portal. Simply head to the Portal or update to the latest version of the App and follow the prompts. To learn more about this change and how to register, click here.
Canberra Private Hospital is closing and will no longer provide clinical services as of 4 September 2026. If you’re located in the region, you’ll be able to find alternative private hospitals using the search function on our Providers page.

Important Update: From 1 July 2026, the Australian Government is increasing the Private Health Insurance Rebate income thresholds. Click here to find out if this may affect you and how to update your rebate income tier if you need to. Tax statements will also be available via the Member Portal and App from 12 July 2026. Learn more.

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Do you know which cover is right for you?
Get a quote

Hospital Cover Options

Jump the public wait list and get covered for hospital treatments with our private Hospital cover options.
Get a quote
Speak to a real person

Hospital Cover
Options

Jump the public wait list and get covered for hospital treatments with our private Hospital cover options.
Get a quote
Speak to a real person

What is private Hospital cover?

Private health insurance Hospital cover allows you to receive treatment as a private patient in a private hospital. It also enables you to:
  • Enjoy your own private room (subject to availability)
  • Choose your own specialist
  • Avoid public hospital waiting lists
  • Choose where you are treated icluding over 500 private hospitals
Hospital stays can be expensive, which is why private Hospital cover gives you the peace of mind knowing you and your family may be protected against the unexpected. The benefits paid may help alleviate doctor’s fees, cost of theatre, and the overall cost of your stay. Our hospital products all include ambulance and accidental injury cover, and don’t have annual limits.

Saver Bronze+
Hospital

From
$57.23
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.
Download Product Statement
View details
Get a quote
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.
Included Service*
Additional Service*
R Restricted Service
Excluded Service
2 month waiting period may apply
Not covered.
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
Not covered.
Not covered.
*Treatments that are provided in an outpatient setting, when you are not an admitted hospital patient, are not covered under private health insurance.

Core Silver+
Hospital

From
$67.38
per fortnight
$500 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Core Silver+ level Hospital cover offers a great compromise between coverage and price.
Download Product Statement
View details
Get a quote
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.
Included Service*
Additional Service*
R Restricted Service
Excluded Service
2 month waiting period may apply
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply

2 month waiting period may apply

12 months for pre-existing

2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
Not covered.
*Treatments that are provided in an outpatient setting, when you are not an admitted hospital patient, are not covered under private health insurance.

Prime Silver+
Hospital

From
$81.66
per fortnight
$750 excess
for singles under 30 in NSW on a base tier rebate
Navy Health’s Prime Silver+ Hospital provides extensive cover at a reduced premium, by excluding some pregnancy and childbirth-related categories.
Download Product Statement
View details
Get a quote
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.
Included Service*
Additional Service*
R Restricted Service
Excluded Service
2 month waiting period may apply
Not covered.
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing

2 month waiting period may apply
12 months for pre-existing

2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
Not covered.
*Treatments that are provided in an outpatient setting, when you are not an admitted hospital patient, are not covered under private health insurance.

Premium Gold
Hospital

From
$116.65
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.
Download Product Statement
View details
Get a quote
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.
Included Service*
Additional Service*
R Restricted Service
Excluded Service
2 month waiting period may apply
12 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
Not covered.
*Treatments that are provided in an outpatient setting, when you are not an admitted hospital patient, are not covered under private health insurance.

GET MORE FROM YOUR HEALTH COVER, SOONER

Sign up for our Hospital and Extras cover between 1 September 2026 and 31 October 2026 and you’ll get access to:

✓ 4 weeks free cover*

✓ 2 & 6 month waits waived on Extras*

Use promo code: SEPTOCT26

*Conditions apply. This promotion is only available to new members joining Navy Health. For full terms and conditions, click here.

Get a quote
Speak to a real person

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.
Download Product Statement
Get a quote
View details

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.
Download Product Statement
Get a quote
View details

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.
Download Product Statement
Get a quote
View details
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras products.
Compare Extras cover options

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.
Download Product Statement
Get a quote
View details

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.
Download Product Statement
Get a quote
View details

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.
Download Product Statement
Get a quote
View details
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras products.
Compare Extras Cover options

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.
Get a quote
Speak to our team