Premium Extras Cover
Gives you and your family Navy Health’s highest rebates and annual limits to maximise your healthcare benefits.
Premium Extras Cover
Gives you and your family Navy Health’s highest rebates and annual limits to maximise your healthcare benefits.
Ultimate general treatment cover with Premium Extras
Navy Health’s Premium Extras provides you with our highest level of Extras cover so that you and your family can claim for the broadest range of healthcare services, including Psychology, Audiology, Dietitians, and much more. Other benefits of our Premium Extras cover includes:
- Broadest benefits for those who regularly use out-of-hospital healthcare services
- Provides unlimited General Dental annually up to a set benefit for each claim
- Higher limits on popular services such as Optical, Orthodontics, and Chiropractic
- Coverage for medically prescribed devices
- Ambulance cover
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
100% benefit for land, air, and sea ambulance services within Australia provided by a State/Territory registered ambulance service, that is deemed medically necessary.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Initial Consultation – $70
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $60
Subsequent Consultation – $41
Chiropractic X-rays (one per person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
Subsequent Consultation – $41
Chiropractic X-rays (one per person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$1,000 annual limit per person.
12 month waiting period may apply.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$1,000 annual limit per person.
12 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes:
Major Dental Periodontics (up to $1,000)
Extractions and Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns and Bridgework (up to $1,000)
Dentures^ and Implants (up to $1,000)
^ For dentures a rolling three-year minimum replacement period applies from the first date of service.
Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$2,000 annual limit per person.
12 month waiting period may apply.
Includes:
Major Dental Periodontics (up to $1,000)
Extractions and Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns and Bridgework (up to $1,000)
Dentures^ and Implants (up to $1,000)
^ For dentures a rolling three-year minimum replacement period applies from the first date of service.
Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$2,000 annual limit per person.
12 month waiting period may apply.
Maximum of $2,500 per course of treatment; 80% of provider fee per rolling three-year period. A treatment plan is required.
12 month waiting period may apply.
12 month waiting period may apply.
Initial Consultation – $80
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Initial consultation – $70
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$1,300 annual limit per person.
12 month waiting period may apply.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$1,300 annual limit per person.
12 month waiting period may apply.
Per Service – $60
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
One service every two (rolling) years.
$1,500 annual limit per person.
12 month waiting period may apply.
One service every two (rolling) years.
$1,500 annual limit per person.
12 month waiting period may apply.
85% of the fee up to the annual limit.
$700 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
$700 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
Per Service – $38
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Per Prescription – up to $120
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$600 annual limit per person.
2 month waiting period may apply.
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$600 annual limit per person.
2 month waiting period may apply.
Initial consultation – $60
Subsequent consultation – $40
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $40
$500 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$350 annual limit per person.
6 month waiting period may apply.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$350 annual limit per person.
6 month waiting period may apply.
85% of the fee up to annual limit.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$300 annual limit per person.
2 month waiting period may apply.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$300 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $67
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $57
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $80
Group Therapy – $55
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$600 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $80
Group Therapy – $55
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$600 annual limit per person.
2 month waiting period may apply.
Benefits include costs that result from a school accident to a member’s dependant child. Claims must be accompanied by notification of the accident on school letterhead.
$800 annual limit per person.
2 month waiting period may apply.
$800 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
100% benefit for land, air, and sea ambulance services within Australia provided by a State/Territory registered ambulance service, that is deemed medically necessary.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Unlimited annual limit per person.
2 month waiting period per person may apply.
Initial Consultation – $70
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $60
Subsequent Consultation – $41
Chiropractic X-rays (one per person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
Subsequent Consultation – $41
Chiropractic X-rays (one per person per year) – $70
$750 annual limit per person ($1,500 per family).
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$1,000 annual limit per person.
12 month waiting period may apply.
Includes repairs to CPAP device. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
$1,000 annual limit per person.
12 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Includes restorations, fillings and Occlusal Therapy.
Unlimited annual limit per person.
2 month waiting period may apply.
Covers dental items listed by the Australian Dental Association (ADA) up to a set benefit.
Includes:
Major Dental Periodontics (up to $1,000)
Extractions and Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns and Bridgework (up to $1,000)
Dentures^ and Implants (up to $1,000)
^ For dentures a rolling three-year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$2,000 annual limit per person.
12 month waiting period may apply.
Includes:
Major Dental Periodontics (up to $1,000)
Extractions and Oral Surgery (up to $1,000)
Endodontics (up to $1,000)
Crowns and Bridgework (up to $1,000)
Dentures^ and Implants (up to $1,000)
^ For dentures a rolling three-year minimum replacement period applies from the first date of service. Set benefits are payable for individual dental services and may not attract the full dental annual limit.
$2,000 annual limit per person.
12 month waiting period may apply.
Maximum of $2,500 per course of treatment; 80% of provider fee per rolling three-year period. A treatment plan is required.
12 month waiting period may apply.
12 month waiting period may apply.
Initial Consultation – $80
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
This is a consultation benefit only and does not cover any medications, herbal or dietary preparations or organised weight reduction programs.
$500 annual limit per person.
2 month waiting period may apply.
Initial consultation – $70
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$1,300 annual limit per person.
12 month waiting period may apply.
Supply of hearing aids is limited to one supply (either single or two aids) every three years. For CPAP devices a rolling three-year minimum replacement period applies from the first date of service.
Repairs on Hearing Aids – up to $150
$1,300 annual limit per person.
12 month waiting period may apply.
Per Service – $60
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
Home nursing is classified as professional treatment by a registered nurse on the recommendation of a medical practitioner.
$1,000 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
One service every two (rolling) years.
$1,500 annual limit per person.
12 month waiting period may apply.
One service every two (rolling) years.
$1,500 annual limit per person.
12 month waiting period may apply.
85% of the fee up to the annual limit.
$700 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
$700 annual limit per person.
6 month waiting period may apply.
For more information and conditions please refer to the Medically Prescribed Appliance (MPA) page.
Per Service – $38
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Natural Therapies include Acupuncture, Myotherapy, Remedial Massage, Exercise Physiology and Chinese herbal medicine.
Benefits are not payable on any medications, herbal or dietary preparations, or weight reduction programs.
$550 annual limit per person ($1,100 per family).
2 month waiting period may apply.
Per Prescription – up to $120
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$600 annual limit per person.
2 month waiting period may apply.
Navy Health pays the difference between the cost of the prescription and set cost of the Pharmaceutical Benefit Scheme (PBS), up to the maximum per prescription.
$600 annual limit per person.
2 month waiting period may apply.
Initial consultation – $60
Subsequent consultation – $40
$500 annual limit per person.
2 month waiting period may apply.
Subsequent consultation – $40
$500 annual limit per person.
2 month waiting period may apply.
100% of the fee up to the annual limit.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$350 annual limit per person.
6 month waiting period may apply.
Includes:
Single Vision lens and frame
Bifocal / Multifocal lens and frame
Contact Lenses
Optical benefit is only payable where the lens includes a form of sight correction. A prescription must accompany all claims for benefits. Benefits are not available for lens coatings and features such as anti-reflection or scratch resistant coatings.
$350 annual limit per person.
6 month waiting period may apply.
85% of the fee up to annual limit.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$300 annual limit per person.
2 month waiting period may apply.
Orthopaedic footwear must be for a medically prescribed purpose and constructed for the individual member, by a specialist orthopaedic footwear manufacturer. Commercially available brands of footwear and sporting footwear are not eligible for benefits. Includes repairs to Orthotics.
$300 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $67
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $52
Group Session – $25
Ante/Post Natal Classes – up to $100
$850 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $57
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $44
Impression Cast – $50
Podiatry Surgery. Conditions apply. – $200
$500 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $80
Group Therapy – $55
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$600 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $80
Group Therapy – $55
Hypnotherapy is payable if the provider is a fully registered member of the Psychology Board in their State / Territory or if they are a clinical member of an approved association.
$600 annual limit per person.
2 month waiting period may apply.
Benefits include costs that result from a school accident to a member’s dependant child. Claims must be accompanied by notification of the accident on school letterhead.
$800 annual limit per person.
2 month waiting period may apply.
$800 annual limit per person.
2 month waiting period may apply.
Initial Consultation – $110
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Subsequent Consultation – $55
$500 annual limit per person.
2 month waiting period may apply.
Claiming your Premium Extras benefits:
1.
We use HICAPS and Health Point electronic systems that let you claim most of your Extras benefits on the spot after your consultation. Simply give the service provider your membership card. If there is a difference between your Extras benefits and the fee charged by your provider, you will need to pay this at the time of service.
2.
Members can also claim using our Navy Health digital services. Our mobile app can be downloaded through the App Store, Google Play Store, or via the Member Portal. This is the preferred method for Orthodontic, Ambulance, MPAs, and Pharmacy claims as they cannot be claimed through HICAPS or Healthpoint.
3.
If you are unable to claim using either of the above methods, you can submit your claim online through the Member Portal, or complete a claim form and post, email, or fax it to us.
Additional Premium Extras Product Information
The information shown above for our Premium Extras cover is a general summary only and does not take into account your specific circumstances. Additional product information such as what’s covered during hospital admission, waiting periods, exclusions and more, can be found in our Product Statement.
It is important you read this carefully and retain a copy for your records.
Want to add Hospital Cover to your Extras Cover?
Hospital cover allows you to receive treatment as a private patient in both the public and private hospital systems. It also enables you to avoid public waiting lists and choose your own specialist. View our three levels of cover.
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.
Looking for the right Hospital cover for you?
Compare the benefits and limits of our Hospital products.
Want to add Hospital Cover
to your Extras?
Hospital cover allows you to receive treatment as a private patient in both the public and private hospital systems. It also enables you to avoid public waiting lists and choose your own specialist. View our three levels of cover.
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.
Looking for the right Hospital cover for you?
Compare the benefits and limits of our Hospital 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.
