What is an excess?
Where a policy has an excess, the excess applies to the cost of in-patient hospitalisation in either a private, public or day hospital facility.
If your hospital cover comes with an excess, each adult on the policy is liable to pay the excess for a hospital admission once only within a 12-month period. There is no excess payable for children.
For singles, the excess is only payable once in any 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, or a partial excess amount if you have not yet paid a full excess amount for that 12 month period.
For families, the excess is payable per admission up to the family maximum of 2 admissions, in any rolling 12 month period.
Please note: reducing your excess is considered to be “upgrading” your membership. You will pay the higher excess amount for any hospital admissions within 12 months of upgrading