Navy Health
24 open policies in the October 2026 data. Membership is restricted.
Registered as Navy Health Ltd.
Who can join, as the fund puts it: Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.
This insurer is a mutual organisation that operates on a not-for-profit basis.
navyhealth.com.au/why-navy-health, phone 1300 306 289
- Hospital
- 5
- Hospital and extras
- 16
- Extras
- 3
- Closed to new members
- 8
How its premiums compare in NSW & ACT
Navy Health's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BronzeHospital only$163.4129th cheapest of 29
- SilverHospital only$192.3727th cheapest of 28
- GoldHospital only$287.8914th cheapest of 24
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Saver Bronze+ Hospital, at $163.41 a month before the rebate with a $500 excess: 29th cheapest of 29 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Core Silver+ Hospital, at $192.37 a month before the rebate with a $500 excess: 27th cheapest of 28 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Corporate Gold Hospital, at $287.89 a month before the rebate with a $500 excess: 14th cheapest of 24 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 4 corporate policies are included; they are sold through employers and associations.
- NSW & ACT$163.41 to $333.05
- VIC$163.41 to $352.95
- QLD$165.68 to $340.21
- SA$166.50 to $331.57
- WA$141.91 to $283.08
- TAS$164.86 to $333.16
- NT$86.08 to $159.50
- NSW & ACT$196.90 to $458.11
- VIC$196.90 to $478.01
- QLD$199.65 to $465.27
- SA$200.64 to $459.74
- WA$172.17 to $408.14
- TAS$198.66 to $456.40
- NT$121.03 to $280.33
- NSW & ACT$35.30 to $125.06
- VIC$35.30 to $125.06
- QLD$35.30 to $125.06
- SA$36.17 to $128.17
- WA$35.30 to $125.06
- TAS$34.78 to $123.24
- NT$34.95 to $120.83
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $163.41 to $333.05 | $196.90 to $458.11 | $35.30 to $125.06 |
| VIC | $163.41 to $352.95 | $196.90 to $478.01 | $35.30 to $125.06 |
| QLD | $165.68 to $340.21 | $199.65 to $465.27 | $35.30 to $125.06 |
| SA | $166.50 to $331.57 | $200.64 to $459.74 | $36.17 to $128.17 |
| WA | $141.91 to $283.08 | $172.17 to $408.14 | $35.30 to $125.06 |
| TAS | $164.86 to $333.16 | $198.66 to $456.40 | $34.78 to $123.24 |
| NT | $86.08 to $159.50 | $121.03 to $280.33 | $34.95 to $120.83 |
What Navy Health covers, and what it pays back
Hospital
Leaving out the four it sells through employers, Navy Health has 17 policies with hospital cover. They come with a choice of $350, $500 or $750 excess. 16 of the 17 drop the excess for children on the policy. Navy Health doesn't offer the youth discount, up to 10% off for people who join between 18 and 29, though 67% of hospital policies on the market do.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 17 cover emergency and non-emergency ambulance trips.
Extras
Not counting the three it sells through employers, Navy Health has 16 policies with extras, covering anywhere from 11 to 25 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $47.50typical policy $35.20
- $84.50typical policy $66.85
- $773.80typical policy $773.80
- $67.00typical policy $42.00
- $110.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$2,000typical policy $1,000
- Optical$350typical policy $220
- Physiotherapy$850typical policy $450
- Chiropractic$750typical policy $400
- Psychology$600typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 5
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Saver Bronze+ Hospital | Bronze Plus | $86.08NT | All | $500 |
| Core Silver+ Hospital | Silver Plus | $105.54NT | All | $500 |
| Prime Silver+ Hospital | Silver Plus | $111.85NT | All | $500, $750 |
| Premium Gold Hospital | Gold | $139.99NT | All | $350, $750 |
| Corporate Gold HospitalCorporate | Gold | $144.82NT | All | $200, $500 |
Hospital and extras policies 16
Extras policies 3
| Policy | From | Sold in | Services |
|---|---|---|---|
| Budget Extras | $34.78TAS | All | 11 |
| Healthy Living Extras | $75.91TAS | All | 25 |
| Premium Extras | $120.83NT | All | 25 |
Navy Health also has 8 older policies (560 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Navy Health
- Who can join Navy Health?
- It's a restricted fund. Who can join, as Navy Health puts it: Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families. Navy Health sells 24 policies to new members (5 hospital-only, 16 combined and 3 extras-only), going by the October 2026 data.
- How much does Navy Health pay for a dental check-up?
- Up to $47.50 for a check-up (dental item 012) on its Core Silver+ Hospital & Premium Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.