Navy Health Health Insurance Review 2026
Compare 96 Navy Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Navy Health Insurance - Quick Facts
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (16 September 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with Navy Health.
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See all 96 Navy Health policies side-by-side with personalised pricing.
Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (16 September 2026). Reviews from ProductReview.com.au (April 2026). Not affiliated with Navy Health.
Explore Navy Health Policies
Navy Health offers 96 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.
Hospital Cover
20 policies covering private hospital treatment, from $86.08* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).
20 policies availableExtras Cover
12 policies covering general treatment (dental, optical, physio, etc.), from $34.78* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.
12 policies availableHospital & Extras Combined
64 policies bundling both hospital and extras coverage, from $121.03* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.
64 policies available*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with Navy Health directly.
Explore individual policies
Open a policy to review its benefits, eligibility and available household options.
Navy Health
Budget Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Navy Health
Core Silver+ Hospital
- Cover
- Hospital
- Tier
- Silver Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500
Navy Health
Core Silver+ Hospital & Budget Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500
Navy Health
Core Silver+ Hospital & Healthy Living Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500
Navy Health
Core Silver+ Hospital & Premium Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500
Navy Health
Healthy Living Extras
- Cover
- Extras
- Available in
- National
- Households
- Single, Couple, Family, Single parent
Overall Navy Health price increase
Customer Reviews
Google Reviews (April 2026).
What Navy Health Specialises In
Find policies suited to your situation. Prices are indicative only.
Hospital CoverageExtras CoverageAll prices shown are indicative only and were last updated on 16 September 2026 using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.
Customer Service Record & Complaints
How Navy Health compares to other Australian health insurers based on pricing, service record, and product range.
Based on official data from the Private Health Insurance Ombudsman (PHIO), Navy Health has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.
27.5Complaint Rateper 1% market share · last 12 months0%Investigation Rateno formal investigations100%Resolution Rateresolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.
Complaint breakdown
Quarter-on-Quarter:up 50% (2 → 3 complaints)— complaint rate per market share worseningComplaint Rate per 1% Market Share: Quarter on Quarter
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint rate = complaints per 1% market share.
Top Complaint Categories — All Insurers CombinedHow Navy Health Addresses These
100% internal resolution rate and zero Ombudsman investigations — Navy Health resolves member concerns before they escalate.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.
Navy Health vs Industry Average - Complaint Rate per 1% Market Share (Last 12 Months)
Navy Health's rate appears higher due to small market share (0.4%). With just 11 complaints over the last 12 months, the normalised calculation inflates the number. In absolute terms, far fewer than major insurers.
Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage.
How to Resolve Issues
Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q4 2024 – Q3 2025. Complaint rate = total complaints ÷ market share percentage. Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct).
Compare Navy Health to Competitors
Based on official data from the Private Health Insurance Ombudsman (PHIO), Navy Health has an Excellent Service Record with significantly fewer complaints than the industry average when normalised by market share.
Navy HealthHCiSt Lukes Health InsuranceNavy Health*For Single in NSW. Service record data from PHIO.
Contact & Support
PhoneEmailOnlineMailNavy Health Mobile App
App features: submit extras claims with photo receipts, track claims, check benefits and limits, view and pay premiums, update contact or banking details, find providers, upload documents, order membership card.
Frequently Asked Questions
All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 16 September 2026 and may change. Always verify current information with official sources.
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