Premium Gold Hospital
A Gold hospital policy from Navy Health.
- Navy Health only takes cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Navy Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $350, $750
- Ambulance
- Emergency and non-emergency, call-out fees included, no limit
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Navy Health's page for this policyAgainst every other Gold hospital policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Gold90 policies$302.3256th cheapest of 90
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- $350 excess$333.05
- $750 excess$30.73 less than $350 excess$302.32
$350 excessat most $700 a year for couples and families
| State | Single | Couple | Family | Single parent | Dependants only |
|---|---|---|---|---|---|
| NSW & ACT | $333.05 | $666.09 | $666.09 | $482.90 | $333.05 |
| VIC | $352.95 | $705.89 | $705.89 | $512.24 | $352.95 |
| QLD | $340.21 | $680.44 | $680.44 | $493.30 | $340.21 |
| SA | $331.57 | $663.11 | $663.11 | $480.75 | $331.57 |
| WA | $283.08 | $566.13 | $566.13 | $410.43 | $283.08 |
| TAS | $333.16 | $666.33 | $666.33 | $483.07 | $333.16 |
| NT | $157.13 | $314.25 | $314.25 | $227.85 | $157.13 |
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Dependants only |
|---|---|---|---|---|---|
| NSW & ACT | $302.32 | $604.66 | $604.66 | $438.36 | $302.32 |
| VIC | $310.46 | $620.91 | $620.91 | $450.15 | $310.46 |
| QLD | $303.25 | $606.47 | $606.47 | $439.72 | $303.25 |
| SA | $303.07 | $606.17 | $606.17 | $439.45 | $303.07 |
| WA | $244.56 | $489.12 | $489.12 | $354.62 | $244.56 |
| TAS | $296.13 | $592.26 | $592.26 | $429.39 | $296.13 |
| NT | $139.99 | $280.01 | $280.01 | $203.00 | $139.99 |
All 38 clinical categories covered in full
- Covered in full38
Covered 38
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $350, $750, paid when you are admitted. No excess for dependants.
From the insurer: Receive up to 100% cover at over 490 private hospitals and day facilities, in addition to all recognised public hospitals across Australia. You also have access to Member Health Support Program for home recovery, as well as unlimited ambulance cover Australia-wide, which means you are not required to take out ambulance cover elsewhere.
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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.