Navy Health insurance

Is it a good health insurer?

Navy Health has 4 hospital and 3 extras policies in our comparison, from $124.00 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Navy Health Ltd. Hospital, extras or both.

Explore 4 hospital and 3 extras products, or find cover by treatment. Sources for Navy Health

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 27 October 2026 · Prices effective 1 September 2026

I need cover for…

Navy Health cover: the main choices.

For implantation of hearing devices

Saver Bronze+ Hospital covers implantation of hearing devices. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Compare the cover, not just the premium

Compare Core Silver+ Hospital with Teachers Health and Defence Health before choosing on price. Their cover differs for pain management with a device.

Compare selected alternatives

Before you pay for Silver Plus

Core Silver+ Hospital adds back, neck and spine treatment and other categories compared with Saver Bronze+ Hospital. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

Navy Health policies and example prices.

The profile you choose updates the Navy Health price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Navy Health price for your circumstances? Compare Navy Health with cover across all Australian health funds.

Compare my options

Hospital cover

4 product lines

Navy Health hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Bronze Plus	Saver Bronze+ HospitalSaver Bronze+ Hospital	$124.00/month	Policy details: Saver Bronze+ Hospital
Silver Plus	Core Silver+ HospitalCore Silver+ Hospital	$145.97/month	Policy details: Core Silver+ Hospital
Silver Plus	Prime Silver+ HospitalPrime Silver+ Hospital	$187.33/month	Policy details: Prime Silver+ Hospital
Gold	Premium Gold HospitalPremium Gold Hospital	$252.73/monthat $350 excess	Policy details: Premium Gold Hospital

$41.36 more per month for Prime Silver+ Hospital versus Core Silver+ Hospital after rebate for the selected example profile.

Cataracts is an additional inclusion, not the complete list of differences.

Extras cover

3 product lines

Navy Health extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Budget ExtrasBudget Extras	$26.79/month	Policy details: Budget Extras
Healthy Living ExtrasHealthy Living Extras	$59.31/month	Policy details: Healthy Living Extras
Premium ExtrasPremium Extras	$94.90/month	Policy details: Premium Extras

Navy Health also sells Extras 65 only as part of a package with Saver Bronze+ Hospital.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Navy Health Core Silver+ Hospital comparisons. All policy links remain available.

All Navy Health policy pages

What does Navy Health hospital insurance cover?

Choose a treatment

2 Navy Health hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Prime Silver+ HospitalPrime Silver+ Hospital	$187.33/month	Check policy details: Prime Silver+ Hospital
Gold	Premium Gold HospitalPremium Gold Hospital	$252.73/monthat $350 excess	Check policy details: Premium Gold Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 4 hospital policies

Selected Navy Health treatment categories.

Treatment	Saver Bronze+ HospitalBronze Plus	Core Silver+ HospitalSilver Plus	Prime Silver+ HospitalSilver Plus	Premium Gold HospitalGold
Cataracts	Not included	Not included	Included	Included
Joint replacements	Not included	Not included	Included	Included
Heart and vascular system	Not included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Included
Sleep studies	Not included	Included	Included	Included
Implantation of hearing devices	Included	Included	Included	Included
Back, neck and spine	Not included	Included	Included	Included
Insulin pumps	Not included	Included	Included	Included
Pain management with a device	Not included	Included	Included	Included
Rehabilitation	Restricted	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

Navy Health extras limits per 12 months unless the statement says otherwise

Selected benefit	Budget Extras	Healthy Living Extras	Premium Extras
Optical / physio benefit examples	Optical: 100% of eligible charge. Physio: $37.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $55.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $67.00 set benefit for an initial visit
Optical limit	$170.00	$260.00	$350.00
Physiotherapy limit	$300.00Separate physio limit	$600.00Separate physio limit	$850.00Separate physio limit
Major dental limit	$500.00Shared with general dental	$1,500.00sub-limits apply. Shared with endodontic & other services	$2,000.00sub-limits apply. Shared with endodontic & other services
Psychology included?	No	Yes	Yes
Optical waiting period	6 months	6 months	6 months
Source statement	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Budget Extras → Premium Extras

The optical limits move from $170 to $350 for the Single-policy examples. Premium Extras raises the physio limit from $300 to $850 and adds psychology.

Premium Extras: higher benefit examples

The optical examples stay at 100%, with a $350 optical limit and $850 physio limit for the Single-policy example.Compare these benefits with the premium.

Why Navy Health's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 6 months.

How shared limits work

Navy Health vs. Teachers Health vs. Defence Health

How Navy Health compares with similar hospital policies.

These are selected Silver Plus examples from Teachers Health and Defence Health, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Navy Health Core Silver+ Hospital with Teachers Health Mid Classic (Silver Plus) and Defence Health Core Hospital Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Navy Health and selected alternatives: monthly prices and verified coverage differences.

Compare	Navy HealthCore Silver+ HospitalReference policy	Teachers Health Mid Classic (Silver Plus)$10.86 less a month than Navy Health	Defence Health Core Hospital Silver Plus$3.11 less a month than Navy Health
Monthly premium after rebate	$145.97/month	$135.11/month (lowest price in this row)	$142.86/month
Pain management with a device	Included (best cover in this row)	Included (best cover in this row)	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Policy details	View Navy Health Core Silver+ Hospital	View Teachers Health Mid Classic (Silver Plus)	View Defence Health Core Hospital Silver Plus

Price assumptions

What the differences mean for you

Both alternatives have lower example premiums for this profile. That does not make their cover identical. A lower premium can come with different treatment benefits. Check whether these differences matter for the cover you need.

Pain management with a device: included with Navy Health and Teachers Health; not included with Defence Health.

These alternatives match Navy Health Core Silver+ Hospital on tier, cataracts and joint replacements. Like Navy Health, these funds limit membership to their eligible communities, so check that you qualify. How we choose alternatives

Compare all 38 hospital treatment categories

Navy Health and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	Navy HealthCore Silver+ Hospital	Teachers Health Mid Classic (Silver Plus)	Defence Health Core Hospital Silver Plus
Rehabilitation	Included	Included	Included
Insulin pumps	Included	Included	Included
Pain management with a device	Included	Included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Navy Health with cover from every Australian health fund.

Compare all funds

Navy Health against the industry.

Navy Health members had no gap on 88.4% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Navy Health paid 45.6% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Navy Health increased premiums by an average of 2.88% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

4 / 5

54 Google reviews

Voluntary customer reviews · Navy Health head office on Canterbury Road in Surrey Hills

Snapshot: 23 October 2026. This is the Google listing for Navy Health head office on Canterbury Road in Surrey Hills, not a rating of Navy Health as a whole or a representative survey. This small sample may not reflect the experience of most members.

Read Navy Health head office on Canterbury Road in Surrey Hills reviews at the source

Complaint share is close to market share, but investigated complaints are higher

Share of all complaints, 2024-250.4%

Market share, 30 June 20250.4%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Navy Health's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 2.7%, above its market share.

Latest quarter, January to March 2026. The Ombudsman referred no complaints about Navy Health Ltd to it and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

4.1 / 5

21 App Store ratings

Navy Health Members app · Navy Health Ltd

Snapshot: 23 October 2026. Navy Health Members is Navy Health's own app. This rates the app on the Australian App Store, not Navy Health's cover or claims. This small sample may not reflect the experience of most members.

See Navy Health Members on the App Store

Google Play

3.7 / 5

10 Google Play reviews

Navy Health app · Navy Health

Snapshot: 23 October 2026. This rates the Navy Health app on Google Play, not Navy Health's cover or claims. This small sample may not reflect the experience of most members.

See Navy Health on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Navy Health recognises your provider. Ask for a treatment plan and item numbers so Navy Health can estimate your benefits and out-of-pocket costs.
Navy Health provider search
Make or track a claim
Use Navy Health's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Navy Health

For joining and member enquiries, call 1300 306 289. Monday to Thursday 8:30am to 6pm and Friday 8:30am to 5pm (AEDT). Closed on weekends and public holidays.Contact details checked 23 October 2026.Official contact details and messaging options

Before you choose Navy Health.

Can anyone join Navy Health?

No, Navy Health membership is restricted to the Defence community, including serving, ex-serving ADF, employees of contractors to Defence and their families. Check that you qualify before comparing its cover.

Source: Government insurer profile, checked 27 October 2026.

Who owns Navy Health?

Navy Health is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 23 October 2026.

What is the cheapest Navy Health hospital policy?

Saver Bronze+ Hospital is the cheapest Navy Health hospital policy for a single person in NSW with a $500 hospital excess, at $124.00 a month after the 24.118% government rebate for adults under 65 (prices effective 1 September 2026). This compares all 4 Navy Health hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Saver Bronze+ Hospital to Core Silver+ Hospital?

Navy Health Core Silver+ Hospital adds full cover for insulin pumps, pain management with a device and 4 more categories compared with Saver Bronze+ Hospital. For the Single / NSW / $500 excess example it costs $21.97 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Navy Health.

Policy information retrieved 26 October 2026. Prices effective 1 September 2026.

Private Health Information Statements · Navy Health · checked 26 October 2026
State of the Health Funds Report 2024-25 · Navy Health · checked 26 October 2026
Government insurer profile · Navy Health · checked 23 October 2026
Government premium-increase figures · Navy Health · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Navy Health head office on Canterbury Road in Surrey Hills · Navy Health · checked 23 October 2026
App Store listing for Navy Health Members · Navy Health Ltd · checked 23 October 2026
Google Play listing for Navy Health · Navy Health · checked 23 October 2026
Official contact details · Navy Health · checked 23 October 2026

How we compare health insurers

Compare Navy Health policies Sources for Navy Health Back to top

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