Pricing for a couple in NSW, under 65
Premium calculated for the profile shown, before the government rebate.
Premium Gold Hospital & Budget Extras pricing by household
Monthly premiums in NSW for an adult under 65, before the government rebate. Every household this policy is sold to is listed.
| Excess | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| $350 | $368.35/month | $736.67/month | $368.35/month | $534.07/month |
| $750 | $337.62/month | $675.24/month | $337.62/month | $489.53/month |
Single pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $350 | $84.77 | $368.35 | $4,420.20 |
| $750 | $77.70 | $337.62 | $4,051.44 |
Couple pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $350 | $169.54 | $736.67 | $8,840.04 |
| $750 | $155.40 | $675.24 | $8,102.88 |
Family pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $350 | $84.77 | $368.35 | $4,420.20 |
| $750 | $77.70 | $337.62 | $4,051.44 |
Single parent pricing in NSW
| Excess | Weekly | Monthly | Yearly |
|---|---|---|---|
| $350 | $122.91 | $534.07 | $6,408.84 |
| $750 | $112.66 | $489.53 | $5,874.36 |
Hospital Coverage — Gold Tier
Review the hospital clinical categories covered under this Gold tier policy, including covered, restricted, and excluded services, plus any important notes or conditions.
| Clinical category | Status | Notes |
|---|---|---|
| Heart & Vascular | Covered | - |
| Brain & Nervous System | Covered | - |
| Eye (Not Cataracts) | Covered | - |
| Cataracts | Covered | - |
| Ear, Nose & Throat | Covered | - |
| Back, Neck & Spine | Covered | - |
| Bone, Joint & Muscle | Covered | - |
| Joint Reconstructions | Covered | - |
| Joint Replacements | Covered | - |
| Dialysis | Covered | - |
Waiting Periods
Standard waiting periods apply. If transferring from another insurer with equivalent cover, served waiting periods are recognised under portability rules.
Extras Coverage — Mid Level
Annual limits and benefits shown below.
| Service | Annual limit | Benefit | Waiting period | Details |
|---|---|---|---|---|
| General dental | $500 | $50.00 | 2 months | |
| Major dental | – | $102.00 | 12 months | |
| Optical | $170 | 100% | 6 months | |
| Physiotherapy | $300 | $37.00 | 2 months | |
| Chiropractic | $300 | $30.00 | 2 months | |
| Osteopathy | – | $30.00 | 2 months | |
| Acupuncture | $200 | $18.00 | 2 months | |
| Remedial massage | – | $18.00 | 2 months | |
| Exercise physiology | – | $18.00 | 2 months | |
| Non-PBS pharmaceuticals | $200 | $50.00 | 2 months | |
| Chinese herbal medicine | – | $18.00 | 2 months |
Hospital Agreements
Navy Health has agreements with 60 private hospitals across Australia.
When you're treated at an agreed hospital, you're covered for accommodation, theatre fees, and prostheses at the negotiated rate — minimising or eliminating gap payments. At a non-agreed hospital, you may face significant out-of-pocket costs even for covered procedures.
| Hospital | Suburb | State | Agreement | Details |
|---|---|---|---|---|
| St Vincent's Private Hospital Sydney | Darlinghurst | NSW | Full agreement | |
| Macquarie University Hospital | Macquarie Park | NSW | Full agreement | |
| Sydney Adventist Hospital | Wahroonga | NSW | Full agreement | |
| Prince of Wales Private Hospital | Randwick | NSW | Full agreement | |
| Hurstville Private Hospital | Hurstville | NSW | Day surgery | |
| Norwest Private Hospital | Bella Vista | NSW | Full agreement | |
| Westmead Private Hospital | Westmead | NSW | Full agreement | |
| Kareena Private Hospital | Caringbah | NSW | Full agreement | |
| Lingard Private Hospital | Merewether | NSW | Full agreement | |
| Newcastle Private Hospital | New Lambton Heights | NSW | Full agreement |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
Compare with Similar Policies
Premiums shown for your current profile — adjust in Live Mode panel to see all values update.
About Insurer
Navy Health is a not-for-profit health insurer based in VIC. They offer 96 policies across hospital, extras, and combined cover.
Navy Health is a restricted, not-for-profit health fund for the Defence community, including serving and former ADF members, employees of Defence contractors and their families. It offers hospital, extras and combined cover to eligible members.
View all insurer policiesRelated policies
Open a policy to review its benefits, eligibility and available household options.
Navy Health
Premium Gold Hospital & Healthy Living Extras
- Cover
- Hospital and extras
- Tier
- Gold
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $350, $750
Navy Health
Premium Gold Hospital & Premium Extras
- Cover
- Hospital and extras
- Tier
- Gold
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $350, $750
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
Prime Silver+ Hospital & Healthy Living Extras
- Cover
- Hospital and extras
- Tier
- Silver Plus
- Available in
- National
- Households
- Single, Couple, Family, Single parent
- Excess options
- $500, $750
Important Information
This page provides a summary of Premium Gold Hospital & Budget Extras by Navy Health based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from Navy Health
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 9 September 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by Navy Health.
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