Saver Bronze+ Hospital
A Bronze Plus 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, $500 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $500
- 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 Bronze hospital policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Bronze76 policies$163.4175th cheapest of 76
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.
$500 excessat most $1,000 a year for couples and families
| State | Single | Couple | Family | Single parent | Dependants only |
|---|---|---|---|---|---|
| NSW & ACT | $163.41 | $326.84 | $326.84 | $236.95 | $163.41 |
| VIC | $163.41 | $326.84 | $326.84 | $236.95 | $163.41 |
| QLD | $165.68 | $331.40 | $331.40 | $240.23 | $165.68 |
| SA | $166.50 | $333.04 | $333.04 | $241.45 | $166.50 |
| WA | $141.91 | $283.82 | $283.82 | $205.74 | $141.91 |
| TAS | $164.86 | $329.76 | $329.76 | $239.02 | $164.86 |
| NT | $86.08 | $172.17 | $172.17 | $124.80 | $86.08 |
25 of 38 clinical categories covered in full, 2 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full25
- Restricted2
- Not covered11
Covered 25
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Implantation of hearing devices
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Skin
- Tonsils, adenoids and grommets
Restricted 2
- Hospital psychiatric services
- Rehabilitation
Not covered 11
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Insulin pumps
- Joint replacements
- Pain management with device
- Pregnancy and birth
- Sleep studies
- 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: $500, paid when you are admitted. No excess for dependants.
From the insurer: If you’re young, fit, healthy and looking for simple hospital cover, consider Saver Bronze+ Hospital. It has the services you’re usually likely to use – like treatment for accidents, wisdom teeth, knee reconstructions and more. You are also covered for 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.