Veteran Cardholders

Veteran White and Gold Cardholders are eligible for a 10% discount off their premiums with Navy Health.

Veteran Cards provide a wide range of access to treatment and services such as hospital treatment, dental care, optical services and more. You may also be covered for particular pharmaceutical needs and rehabilitation devices. A Veteran White Card provides cover and treatment of specifically accepted injuries or conditions that are war caused or service related. A Veteran Gold Card will provide cover for any clinically necessary health care needs, whether they are related to war service or not.

Please find below some frequently asked questions relating to the Veteran Discount. If your question is not answered below please call the Member Services Team on 1300 306 289 for assistance.

How do I apply for the Veteran Discount?

To activate the discount, you will need to send an email to DVACardHolder@navyhealth.com.au with the following information:

I’ve been a loyal member why do I not get a discount?

Navy Health recognises people that have served in the ADF. As a not for profit insurer, we aim to keep costs low for all members and provide more benefits to lessen the out of pocket costs.

I have a Gold Card and my spouse is the only one on the membership. Can we get the discount?

The discount can only be applied if the person who holds the Veteran Gold Card is covered under the membership. As a Gold Cardholder, you do not necessarily need health insurance as most of your health costs are already covered. However, you may choose to take Extras only to cover those services that the Gold Card may not specifically provide benefits for.

I have been a Veteran Cardholder for xxx, can I backdate?

The discount cannot be backdated.

I used to be a Veteran Cardholder, can I still get the discount?

The discount is only available to current Veteran Cardholders.

I will receive a Veteran Cardholder when I turn 70, can I get the discount now?

The discount is only available to current Veteran Cardholders.

My parent/grandparent/sibling is a Veteran Cardholder, am I entitled to the discount?

The discount is only available to current Veteran Cardholders.

My Veteran White Card covers my heart condition, can that be removed from my policy and retain the discount?

No, Navy Health policies cannot be tailored to suit individual requirements. We would be happy to discuss your cover to ensure you are on the most appropriate level for your needs.

I don’t require hospital cover, can I take an Extras only policy and still receive the discount?

Yes, you can take an Extras only policy and have the discount applied.

I have been issued a Veteran Gold Card – should I remain on the membership?

Members who have been issued a Veteran Gold Card have the option of retaining or cancelling their cover with Navy Health.

Where a member chooses to retain their coverage, benefits will be paid on out-of-pocket costs incurred after the Veteran Gold Card payment; however, the amount must not exceed the total charge or the Navy Health benefit limits. For members with a Veteran Gold Card who hold top hospital coverage, Navy Health will pay the supplement (top-up) benefit for a private room in a private hospital.

Where a member chooses to cancel their coverage, they must advise Navy Health either by phone or in writing. The cover will be cancelled from the date Navy Health receives the notification. A member holding a current Veteran Gold Card may re-apply for membership to Navy Health and will be required to serve any applicable waiting periods, including any pre-existing condition waiting periods.

If the Veteran Gold Card is revoked, the person is entitled to re-join Navy Health without serving any waiting periods, provided their cover commences from the day immediately following the withdrawal of their Veteran Gold Card. Proof of previous Veteran Gold Card status will be required.