Premium Gold Hospital Cover
For those who want the highest level of cover with Navy Health, or just can’t afford any surprises, our Premium Hospital cover provides the ultimate peace of mind.
Premium Gold Hospital Cover
For those who want the highest level of cover with Navy Health, or just can’t afford any surprises, our Premium Hospital cover provides the ultimate peace of mind.
Maximum benefits and coverage with Gold Hospital cover
With Navy Health’s Premium Gold Hospital cover you’ll receive our most comprehensive hospital benefits and access to the best services at 500 private hospitals, recognised public hospitals, and day hospital facilities across Australia. Benefits of Gold Hospital cover also include coverage for:
- Pregnancy and birth
- Weight loss surgery
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Ambulance cover
And more..
Premium Gold Hospital Cover
From
$107.27
per fortnight
$350 excess
for singles under 30 in NSW on a base tier rebate
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
(2 month waiting period may apply)
(12 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(12 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
- Excluded Services
Not covered.
Premium Gold Hospital Cover
From
$107.27
per fortnight
$350 excess
for singles under 30 in NSW on a base tier rebate
Click on the included services below to see benefits, sub limits, and waiting periods that apply.
- Included Services
(2 month waiting period may apply)
(12 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(12 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
(2 month waiting period may apply)
(12 months for pre-existing)
(12 months for pre-existing)
- Excluded Services
Not covered.
Why choose Navy Health?
Members before profits
As a not-for-profit health insurance fund, we put members before profits, and return more back in benefits.
Customer satisfaction
How happy are you with your health fund? Our members rate their satisfaction at 93%*.
Highly trusted
Navy Health members have rated their trust with us at 86%^.
Mobile app
Claim in seconds with our mobile App. Available on iPhone and Android.
* Based on Navy Health’s CSAT surveys conducted from 1 July 2022 to 30 June 2023.
^ Based on Navy Health’s Trust Survey conducted in 2022.
^ Based on Navy Health’s Trust Survey conducted in 2022.
Choose your excess
Navy Health’s Premium Hospital cover offers a choice of $350 or $750 excess. A higher excess means a lower annual premium, enabling you to choose the combination that best suits your needs.
The excess applies to the cost of in-patient hospitalisation in either a private, public or day hospital facility. It is payable once per person, per admission, in any rolling 12-month period. The excess does not apply to hospital admissions for dependents.
Additional Gold Hospital Product Information
The information shown above for our Gold Hospital 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 Extras
to your Hospital Cover?
Extras covers you for everyday health care services that aren’t covered by Medicare, such as Physio, Dental and Optical, to help you take better care of your health. As a bonus, all of our Extras products come with ambulance cover included.
Budget Extras
From
$12.27
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro.
Healthy Living Extras
From
$27.17
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most popular level of Extras cover offers benefits across a broad range of services and generous annual limits, helping you effectively manage your health and wellbeing.
Premium Extras
From
$43.48
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most comprehensive level of Extras cover offering you and your family the best benefits and highest annual limits, with no exclusions on any of our available services.
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras products.
Want to add Extras to your Hospital Cover?
Extras covers you for everyday health care services that aren’t covered by Medicare, such as Physio Dental and Optical, to help you take better care of your health. As a bonus, all of our Extras products come with ambulance cover included.
Budget Extras
From
$12.27
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most affordable level of Extras cover which provides lower annual limits on popular medical services such as Optical, Dental, Physio, and Chiro.
Healthy Living Extras
From
$27.17
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most popular level of Extras cover offers benefits across a broad range of services and generous annual limits, helping you effectively manage your health and wellbeing.
Premium Extras
From
$43.48
per fortnight
for singles under 30 in NSW on a base tier rebate
Our most comprehensive level of Extras cover offering you and your family the best benefits and highest annual limits, with no exclusions on any of our available services.
Looking for the right Extras cover for you?
Compare the benefits and limits of our Extras 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.
