At Navy Health, we are proud to support everyone connected to Defence by simplifying private health insurance and ensuring it meets your needs. One way we do this is by allowing Dependants to be covered under a Couples’ policy at no additional cost.

If you have a Dependant and you would like them to be covered under your policy, it’s important to reach out to us as soon as possible. Delaying this process could mean your Dependant may need to serve waiting periods. Waiting periods are a set period of time when certain claims cannot be made, typically ranging from 2 to 12 months, depending on the service. It would be best to add you Dependant to your policy as soon as possible to avoid any waits.

Thankfully, adding a new Dependant, such as a newborn, foster child, or adopted child is straightforward. When adding Dependants, it’s important to note that waiting periods may apply, unless they have held previous cover with another fund. Even then, depending on their previous level of cover they may still incur waiting periods for new services. The easiest and best way to understand what will apply to your circumstances is to ask our friendly Member Services team.

If you wish to add a new Dependant that is either a foster child or stepchild, you will need to provide at least one supporting document that proves guardianship. This can include a conformation from Centrelink, a Will granting you care, a court order, statutory declaration or a letter from the foster association or any other document that states the date that the Dependant has come into your care.

If you’re expecting, we encourage you to pre-emptively add your child to your policy by providing an expected due date. Once your baby is born, simply update their date of birth with us and they won’t have to serve any waiting periods.

You can add a Dependant by either calling our Member Services team on 1300 306 289, emailing us at query@navyhealth.com.au or by filling out our ‘Add a new member’ form found here.