Hospital Cover Options
Jump the public wait list and get covered for hospital treatments with our private Hospital cover options.
Hospital Cover
Options
Jump the public wait list and get covered for hospital treatments with our private Hospital cover options.
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
$57.05
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.
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.
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.
Services included in the product.
Services usually only included in a higher level of cover that have been added to provide you with additional value.
For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
Services not included in the product.
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
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
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
$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.
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.
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.
Services included in the product.
Services usually only included in a higher level of cover that have been added to provide you with additional value.
For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
Services not included in the product.
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.
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.
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.
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.
Services included in the product.
Services usually only included in a higher level of cover that have been added to provide you with additional value.
For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
Services not included in the product.
2 month waiting period may apply
12 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
12 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
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.
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.
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.
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.
Services included in the product.
Services usually only included in a higher level of cover that have been added to provide you with additional value.
For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
Services not included in the product.
2 month waiting period may apply
Not covered.
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
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.
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.
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.
Services included in the product.
Services usually only included in a higher level of cover that have been added to provide you with additional value.
For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
Services not included in the product.
2 month waiting period may apply
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
Not covered.
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
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.
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.
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.
Services included in the product.
Services usually only included in a higher level of cover that have been added to provide you with additional value.
For services that are listed as restricted, you can only be treated as a private patient in a public hospital.
Services not included in the product.
2 month waiting period may apply
12 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
12 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
12 months for pre-existing
2 month waiting period may apply
12 months for pre-existing
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.
Important Information
The information shown above in our Hospital 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 Hospital products including Premium Gold, Core Silver+, Saver Bronze+, and Saver Bronze+ Hospital & Extras 65 covers.
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
$12.27
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.
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras products.
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
$12.27
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.
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras 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.
