Health Insurance

Premium Gold Hospital & Budget Extras

Compare 80 Navy Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

Navy Health logo

Navy Health

Premium Gold Hospital & Budget Extras

$192.08

Pregnancy and birth covered

Joint replacements covered

Emergency and non-emergency ambulance covered

Optical 100% back on single and multifocal lenses

Dental, physio and chiropractic extras included

Excess

Why this cover

Hospital Cover
  • Heart & Vascular
  • Brain & Nervous System
  • Eye (Not Cataracts)
  • Cataracts
Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$174.94
Excess
$350 – $750
Hospital tier
Gold
Below Average Service Record2.82× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

6 weeks free + Extras waiting periods waived

Sign up for Navy Health Hospital and Extras cover between 1 April 2026 and 30 April 2026 and you’ll get 6 weeks free and 2 & 6 month waiting periods waived on Extras. Use promo code APRIL26. Conditions apply. This promotion is only available to new members joining Navy Health. Full terms and conditions are available on the linked offer page.

Ending 30 Apr 2026

Hospital Cover

38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine

Extras Cover

11 covered16 not covered
General Dental
$500/person2 mo
Periodic Exam: $28Scale & Clean: $50Fluoride: $15.6
Major Dental
$500/person1 yr
Extraction: $102
Endodontic
-
Orthodontic
-
Optical
$170/person6 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
-
Acupuncture
$200/person2 mo
1st visit: $18Next visit: $18
Chinese Herbal Medicine
$200/person2 mo
1st visit: $18Next visit: $18
Chiropractic
$300/person2 mo
1st visit: $30Next visit: $22
Exercise Physiology
$200/person2 mo
1st visit: $18Next visit: $18
Osteopathy
$300/person2 mo
1st visit: $30Next visit: $22
Physiotherapy
$300/person2 mo
1st visit: $37Next visit: $27
Remedial Massage
$200/person2 mo
1st visit: $18Next visit: $18
Occupational Therapy
-
Psychology
-
Speech Therapy
-
Non-PBS Pharmaceuticals
$200/person2 mo
Prescription: $50
Glucose Monitor
-
Health Management
-
Vaccinations
-
Navy Health logo

Navy Health

Premium Gold Hospital & Budget Extras

$192.08

Pregnancy and birth covered

Joint replacements covered

Emergency and non-emergency ambulance covered

Optical 100% back on single and multifocal lenses

Dental, physio and chiropractic extras included

Excess

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