Premium Gold Hospital & Premium Extras
Compare 80 Navy Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Navy Health
Premium Gold Hospital & Premium Extras
$458.11
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
Emergency and non-emergency ambulance covered
100% back on optical lenses
Excess
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $260.82
- Excess
- $350 – $750
- Hospital tier
- Gold
Excellent Service Record0.81× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
8 weeks free cover
8 weeks free cover
Ending 31 Aug 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
25 covered2 not covered
No annual limit on preventive dental
Endodontic
$2,000/policy1 yr
Root Canal Therapy: $161.3
General Dental
Unlimited2 mo
Periodic Exam: $47.5Scale & Clean: $84.5Fluoride: $26.3
Major Dental
$2,000/policy1 yr
Extraction: $168.8Full Crown (Veneered): $773.8
Orthodontic
$2,500/policy1 yr
Braces (Upper & Lower): 80% back
Optical
$350/policy6 mo
Single Vision Lenses: 100% backMulti-Focal Lenses: 100% back
Orthoptics
$500/policy2 mo
1st visit: $70Next visit: $55
Acupuncture
$550/policy2 mo
1st visit: $38Next visit: $38
Chinese Herbal Medicine
$550/policy2 mo
1st visit: $38Next visit: $38
Chiropractic
$750/policy2 mo
1st visit: $60Next visit: $41
Exercise Physiology
$550/policy2 mo
1st visit: $38Next visit: $38
Occupational Therapy
$500/policy2 mo
1st visit: $60Next visit: $40
Osteopathy
$750/policy2 mo
1st visit: $60Next visit: $41
Physiotherapy
$850/policy2 mo
1st visit: $67Next visit: $52
Psychology
$600/policy2 mo
1st visit: $110Next visit: $80
Remedial Massage
$550/policy2 mo
1st visit: $38Next visit: $38
Speech Therapy
$500/policy2 mo
1st visit: $110Next visit: $55
Audiology
$500/policy2 mo
1st visit: $70Next visit: $55
Dietetics
$500/policy2 mo
1st visit: $80Next visit: $55
Hearing Aids
$1,300/policy1 yr
Hearing Aid: 100% back
Home Nursing
$1,000/policy2 mo
1st visit: $60Next visit: $60
Orthotics
$300/policy2 mo
Orthotics: 85% back
Podiatry
$500/policy2 mo
1st visit: $57Next visit: $44
Antenatal/Postnatal
-Glucose Monitor
$700/policy6 mo
Glucose Monitor: 85% back
Non-PBS Pharmaceuticals
$600/policy2 mo
Prescription: $120
Vaccinations
$600/policy2 mo
Vaccination: $120
Health Management
-Navy Health
Premium Gold Hospital & Premium Extras
$458.11
Pregnancy and birth covered
Joint replacements covered
Weight loss surgery covered
Emergency and non-emergency ambulance covered
100% back on optical lenses
Excess
Frequently Asked Questions
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