Navy Health
Registered as Navy Health Ltd · fund code NHB · Restricted membership: Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.
Health insurance
Navy Health sells 1,155 open policies with hospital cover (280 hospital-only, 875 combined with extras, counting one per state and household type) in all states, grouped below into 33 products, of which 25 can be bought by anyone on their own (the rest are corporate, visitor or add-on cover). Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Corporate Gold Hospital 200 | Gold | Hospital | $200 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $159.50 – $622.55 | |
| Corporate Gold Hospital 500 | Gold | Hospital | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $144.82 – $609.97 | |
| Premium Gold Hospital 350 | Gold | Hospital | $350 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $157.13 – $705.89 | ||
| Premium Gold Hospital 750 | Gold | Hospital | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $139.99 – $620.91 | ||
| Corporate Gold Hospital 200 & Budget Extras | Gold | Combined | $200 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $194.45 – $693.13 | |
| Corporate Gold Hospital 200 & Healthy Living Extras | Gold | Combined | $200 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $235.41 – $778.87 | |
| Corporate Gold Hospital 200 & Premium Extras | Gold | Combined | $200 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $280.33 – $872.67 | |
| Corporate Gold Hospital 500 & Budget Extras | Gold | Combined | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $179.77 – $680.55 | |
| Corporate Gold Hospital 500 & Healthy Living Extras | Gold | Combined | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $220.73 – $766.29 | |
| Corporate Gold Hospital 500 & Premium Extras | Gold | Combined | $500 | None | 38 | 0 | Corporate | All states | SCFPSingle, Couple, Family, Single parent | $265.65 – $860.09 | |
| Premium Gold Hospital 350 & Budget Extras | Gold | Combined | $350 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $192.08 – $776.47 | ||
| Premium Gold Hospital 350 & Healthy Living Extras | Gold | Combined | $350 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $233.04 – $862.21 | ||
| Premium Gold Hospital 350 & Premium Extras | Gold | Combined | $350 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $277.96 – $956.01 | ||
| Premium Gold Hospital 750 & Budget Extras | Gold | Combined | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $174.94 – $691.49 | ||
| Premium Gold Hospital 750 & Healthy Living Extras | Gold | Combined | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $215.90 – $777.23 | ||
| Premium Gold Hospital 750 & Premium Extras | Gold | Combined | $750 | None | 38 | 0 | All states | SCFPSingle, Couple, Family, Single parent | $260.82 – $871.03 | ||
| Core Silver+ Hospital | Silver Plus | Hospital | $500 | None | 31 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $105.54 – $405.78 | ||
| Prime Silver+ Hospital 500 | Silver Plus | Hospital | $500 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $118.43 – $540.00 | ||
| Prime Silver+ Hospital 750 | Silver Plus | Hospital | $750 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $111.85 – $510.00 | ||
| Core Silver+ Hospital & Budget Extras | Silver Plus | Combined | $500 | None | 31 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $140.49 – $476.36 | ||
| Core Silver+ Hospital & Healthy Living Extras | Silver Plus | Combined | $500 | None | 31 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $181.45 – $562.10 | ||
| Core Silver+ Hospital & Premium Extras | Silver Plus | Combined | $500 | None | 31 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $226.37 – $655.90 | ||
| Prime Silver+ Hospital 500 & Budget Extras | Silver Plus | Combined | $500 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $153.38 – $610.58 | ||
| Prime Silver+ Hospital 500 & Healthy Living Extras | Silver Plus | Combined | $500 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $194.34 – $696.32 | ||
| Prime Silver+ Hospital 500 & Premium Extras | Silver Plus | Combined | $500 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $239.26 – $790.12 | ||
| Prime Silver+ Hospital 750 & Budget Extras | Silver Plus | Combined | $750 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $146.80 – $580.58 | ||
| Prime Silver+ Hospital 750 & Healthy Living Extras | Silver Plus | Combined | $750 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $187.76 – $666.32 | ||
| Prime Silver+ Hospital 750 & Premium Extras | Silver Plus | Combined | $750 | None | 34 | 1 | All states | SCFPSingle, Couple, Family, Single parent | $232.68 – $760.12 | ||
| Saver Bronze+ Hospital | Bronze Plus | Hospital | $500 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $86.08 – $333.04 | ||
| Saver Bronze+ Hospital & Budget Extras | Bronze Plus | Combined | $500 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $121.03 – $405.38 | ||
| Saver Bronze+ Hospital & Extras 65 | Bronze Plus | Combined | $500 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $127.37 – $401.25 | ||
| Saver Bronze+ Hospital & Healthy Living Extras | Bronze Plus | Combined | $500 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $161.99 – $493.25 | ||
| Saver Bronze+ Hospital & Premium Extras | Bronze Plus | Combined | $500 | None | 25 | 2 | All states | SCFPSingle, Couple, Family, Single parent | $206.91 – $589.39 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 25 of 38 categories covered, 2 restricted, 11 not covered
Covered Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Skin, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Sleep studies, Weight loss surgery
Products Saver Bronze+ Hospital (Bronze Plus, hospital); Saver Bronze+ Hospital & Budget Extras (Bronze Plus, combined); Saver Bronze+ Hospital & Extras 65 (Bronze Plus, combined); Saver Bronze+ Hospital & Healthy Living Extras (Bronze Plus, combined); Saver Bronze+ Hospital & Premium Extras (Bronze Plus, combined)
Cover profile 2 · 31 of 38 categories covered, 1 restricted, 6 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Joint replacements, Pregnancy and birth, Weight loss surgery
Products Core Silver+ Hospital (Silver Plus, hospital); Core Silver+ Hospital & Budget Extras (Silver Plus, combined); Core Silver+ Hospital & Healthy Living Extras (Silver Plus, combined); Core Silver+ Hospital & Premium Extras (Silver Plus, combined)
Cover profile 3 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Prime Silver+ Hospital 500 (Silver Plus, hospital); Prime Silver+ Hospital 750 (Silver Plus, hospital); Prime Silver+ Hospital 500 & Budget Extras (Silver Plus, combined); Prime Silver+ Hospital 500 & Healthy Living Extras (Silver Plus, combined); Prime Silver+ Hospital 500 & Premium Extras (Silver Plus, combined); Prime Silver+ Hospital 750 & Budget Extras (Silver Plus, combined); Prime Silver+ Hospital 750 & Healthy Living Extras (Silver Plus, combined); Prime Silver+ Hospital 750 & Premium Extras (Silver Plus, combined)
Cover profile 4 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Corporate Gold Hospital 200 (Gold, hospital); Corporate Gold Hospital 500 (Gold, hospital); Premium Gold Hospital 350 (Gold, hospital); Premium Gold Hospital 750 (Gold, hospital); Corporate Gold Hospital 200 & Budget Extras (Gold, combined); Corporate Gold Hospital 200 & Healthy Living Extras (Gold, combined); Corporate Gold Hospital 200 & Premium Extras (Gold, combined); Corporate Gold Hospital 500 & Budget Extras (Gold, combined); Corporate Gold Hospital 500 & Healthy Living Extras (Gold, combined); Corporate Gold Hospital 500 & Premium Extras (Gold, combined); Premium Gold Hospital 350 & Budget Extras (Gold, combined); Premium Gold Hospital 350 & Healthy Living Extras (Gold, combined) and 4 more
Extras profiles
Extras profile 1 · 13 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Endodontic, Exercise physiology, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Remedial massage, Vaccinations
Products Saver Bronze+ Hospital & Extras 65 (Bronze Plus, combined)
Extras profile 2 · 11 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Major dental, Exercise physiology, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Remedial massage
Products Corporate Gold Hospital 200 & Budget Extras (Gold, combined); Corporate Gold Hospital 500 & Budget Extras (Gold, combined); Premium Gold Hospital 350 & Budget Extras (Gold, combined); Premium Gold Hospital 750 & Budget Extras (Gold, combined); Core Silver+ Hospital & Budget Extras (Silver Plus, combined); Prime Silver+ Hospital 500 & Budget Extras (Silver Plus, combined); Prime Silver+ Hospital 750 & Budget Extras (Silver Plus, combined); Saver Bronze+ Hospital & Budget Extras (Bronze Plus, combined)
Extras profile 3 · 25 services
Services Acupuncture, Audiology, Chinese herbal medicine, Chiropractic, General dental, Major dental, Dietetics, Endodontic, Exercise physiology, Glucose monitors, Hearing aids, Home nursing, Non-PBS pharmaceuticals, Occupational therapy, Optical, Orthodontic, Orthoptics, Orthotics, Osteopathy, Physiotherapy, Podiatry, Psychology, Remedial massage, Speech therapy, Vaccinations
Products Corporate Gold Hospital 200 & Healthy Living Extras (Gold, combined); Corporate Gold Hospital 200 & Premium Extras (Gold, combined); Corporate Gold Hospital 500 & Healthy Living Extras (Gold, combined); Corporate Gold Hospital 500 & Premium Extras (Gold, combined); Premium Gold Hospital 350 & Healthy Living Extras (Gold, combined); Premium Gold Hospital 350 & Premium Extras (Gold, combined); Premium Gold Hospital 750 & Healthy Living Extras (Gold, combined); Premium Gold Hospital 750 & Premium Extras (Gold, combined); Core Silver+ Hospital & Healthy Living Extras (Silver Plus, combined); Core Silver+ Hospital & Premium Extras (Silver Plus, combined); Prime Silver+ Hospital 500 & Healthy Living Extras (Silver Plus, combined); Prime Silver+ Hospital 500 & Premium Extras (Silver Plus, combined) and 4 more
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (33 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/navy-health.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
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