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 to be applied to your policy:
|•||Your membership must be financial and fully paid up to the date of suspension|
|•||Your Navy Health policy must have commenced at least 12 months prior to suspension date|
|•||Your membership has been active for a minimum period of 6 months following a previous suspension (if applicable)|
|•||Both covers must be suspended of you hold hospital and ancillary cover – partial suspensions are not permitted. Individual members can be suspended on a policy.|
A membership can be suspended for the following circumstances:
|•||Financial hardship suspensions are available for a minimum period of three months and a maximum period of 12 months. There is a limit of 3 financial hardship suspensions over the lifetime of a membership. Suspension pre-existing condition waiting periods will apply upon reactivation of policy (see below for further information).|
|•||Overseas travel suspensions are available for a minimum period of one month and a maximum period of 24 months. Suspension pre-existing condition waiting periods will apply upon reactivation of policy (see below for further information).|
|•||Overseas ADF postings suspensions are available for a minimum period of one month and a maximum period of 24 months initially. This can be reviewed if the posting is extended. To avoid any waits on reactivation, the membership must recommence on the day you return to Australia. An International Record of Movement will be requested for each covered adult upon reactivation of membership.|
Upon resumption, a 12 month pre-existing (PEC) waiting period may apply for any condition that arose during your suspension period. PEC waits apply to Hospital cover only. No waiting periods will be applied to your Extras services, provided all waits have been served prior to suspending your cover. Any waiting periods applicable prior to suspension will continue once your policy is reactivated.
To apply for a membership suspension, please download and return a completed Application for Suspension form. This can be emailed to email@example.com. Suspended memberships will automatically reinstate on the date advised and direct debits will recommence automatically.
For further information regarding the suspension of your membership, please call Navy Health on 1300 306 289 or email.