Suspending Your Cover
At Navy Health we understand that from time to time it may be necessary for you to suspend your Health Cover.
Whether you are travelling or working overseas, or simply find yourself in some financial difficulty, Navy Health can assist you with a temporary suspension of your membership.
Suspending your policy will enable you to maintain a restricted membership with the fund, without paying your premiums. Suspension will allow you to re-start your full membership when you return from overseas or get back on your feet again without new waiting periods*. Your membership will continue on as it had before the suspension.
*Excludes pre-existing conditions and pregnancy related services.
To be eligible for suspension your membership must be financial and fully paid up to the date of suspension. Suspension can only occur after 12 months continuous membership with Navy Health.
To apply for a membership suspension download, complete and return the Suspending Your Cover form to Navy Health.
Suspension your membership before going overseas or due to financial hardship:
• suspensions for financial hardships are limited to 3 per lifetime of the membership
• all suspensions are for a minimum of 1 month and a maximum of 2 years for overseas and 1 year for financial hardship
• periods of time between suspension types are as follows 6 months for overseas travel and 12 months for all other reasons
To reinstate your cover, you must contact Navy Health in writing within one month of the suspension end date.
For further information regarding the suspension of your membership, please call Navy Health on 1300 306 289 or email.
Government incentives and regulations
The suspension period will impact various Navy Health rules and government incentives;
Waiting periods for Pre-Existing Conditions
|•||The pre-existing conditions rule will apply during the suspension period. Under this rule, signs or symptoms of any condition that have arisen during the suspension periods, regardless of whether you or your dependants are aware of them, will attract waiting periods upon reactivation|
|•||Any previous unserved waiting periods will resume when the suspension period ends|
Medicare Levy Surcharge
|•||During suspension period you may incur increased Medical Levy Surcharge, which is payable by high-income earners during any period of suspended hospital cover. Please seek independent advice from your personal taxation consultant.|
Lifetime Health Cover
|•||The suspension period (as approved by Navy Health) will not form part of the permitted days without hospital cover. Therefore the number of suspended days will not be deducted off the 1094 days allowable under Lifetime Health Cover legislation.|
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