Saver Bronze+ Hospital & Extras 65
A Bronze Plus hospital and extras 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 and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, corporate and restricted policies included.
- Bronze95 policies$196.9026th cheapest of 95
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 | $196.90 | $393.79 | $393.79 | $285.49 | $196.90 |
| VIC | $196.90 | $393.79 | $393.79 | $285.51 | $196.90 |
| QLD | $199.65 | $399.27 | $399.27 | $289.46 | $199.65 |
| SA | $200.64 | $401.25 | $401.25 | $290.90 | $200.64 |
| WA | $172.17 | $344.29 | $344.29 | $249.57 | $172.17 |
| TAS | $198.66 | $397.30 | $397.30 | $287.99 | $198.66 |
| NT | $127.37 | $254.75 | $254.75 | $184.66 | $127.37 |
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.
Pays towards 13 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental, endodontic (root canals)$600typical policy $800
- Major dentalshared with general dental, endodontic (root canals)$600typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with chiropractic, osteopathy$300typical policy $450
- Chiropracticshared with physiotherapy, osteopathy$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)65% of the feetypical policy $35.20
- Scale and clean (item 114)65% of the feetypical policy $66.85
- Full crown, veneered (item 615)65% of the feetypical policy $773.80
- Single vision lenses and frames65% of the feetypical policy $220.00
- Physiotherapy, first visit65% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | $600shared with major dental, endodontic (root canals) | Periodic oral exam (item 012): 65%Scale and clean (item 114): 65%Fluoride treatment (item 121): 65% |
| Major dental | 12 months | $600shared with general dental, endodontic (root canals) | Surgical extraction (item 322): 65%Full crown, veneered (item 615): 65% |
| Endodontic (root canals) | 12 months | $600shared with general dental, major dental | Root canal filling (item 417): 65% |
| Optical | 6 months | $200 | Multifocal lenses and frames: 65%Single vision lenses and frames: 65% |
| Non-PBS medicines | 2 months | $200shared with vaccinations | Non-PBS prescription: 65% |
| Physiotherapy | 2 months | $300shared with chiropractic, osteopathy | Physiotherapy, first visit: 65%Physiotherapy, later visit: 65% |
| Chiropractic | 2 months | $300shared with physiotherapy, osteopathy | Chiropractic, first visit: 65%Chiropractic, later visit: 65% |
| Acupuncture | 2 months | $200shared with remedial massage, chinese herbal medicine, exercise physiology | Acupuncture, first visit: 65%Acupuncture, later visit: 65% |
| Remedial massage | 2 months | $200shared with acupuncture, chinese herbal medicine, exercise physiology | Remedial massage, first visit: 65%Remedial massage, later visit: 65% |
| Chinese herbal medicine | 2 months | $200shared with acupuncture, remedial massage, exercise physiology | Chinese herbal medicine, first visit: 65%Chinese herbal medicine, later visit: 65% |
| Exercise physiology | 2 months | $200shared with acupuncture, remedial massage, chinese herbal medicine | Exercise physiology, first visit: 65%Exercise physiology, later visit: 65% |
| Osteopathy | 2 months | $300shared with physiotherapy, chiropractic | Osteopathy, first visit: 65%Osteopathy, later visit: 65% |
| Vaccinations | 2 months | $200shared with non-pbs medicines | Vaccination: 65% |
Not covered: orthodontics, podiatry, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy.
Other services: Members can access special offers from any of Navy Health’s preferred optical providers: OPSM, Laubman & Pank, Specsavers, Teachers Eye Care, Eyebenefit and Q Optical Network (QON). General treatment benefit year runs from 1 July to 30 June.
From the insurer: Telehealth services available for Physiotherapy.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
Compare
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.