Compare Navy Health health insurance


A restricted membership health fund for current and former members of the wider defence community.

Fund information


Navy Health summary

Navy Health eligibility

Is Navy Health nonprofit? 

Does Navy Health get many complaints from members? 

How good is Navy Health's gap cover? 

How many hospital agreements does Navy Health have in my state? 

Does Navy Health offer any discounts?

Does Navy Health offer ambulance cover?

Does Navy Health offer family policies that cover adult children?

Does Navy Health let you claim online or in-app?

What CHOICE Community says about Navy Health


Navy Health summary

Navy Health

Established in 1955, Navy Health is today open to all serving and ex-serving members of the Australian Defence Force (ADF), Reservists, Cadets, Employees of Contractors to ADF and their families. It is part of Members Own Health Funds, an alliance of nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Phone:1300 306 289

Email: query@navyhealth.com.au 

Website: navyhealth.com.au


Navy Health eligibility

Current or former Australian Defence Force service personnel, civilian employees and contractors.

For further details see their website.


Is Navy Health nonprofit?

Yes.


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Does Navy Health get many complaints from members?

Navy Health complaints rating: Low

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Navy Health's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Navy Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Navy Health gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

Navy Health – 89.8%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Navy Health – 78.7%

Industry average – 76.7%

Victoria (Vic) 

Navy Health – 92.1%

Industry average – 85.0%

Queensland (Qld) 

Navy Health – 91.3%

Industry average – 85.1%

South Australia (SA) 

Navy Health – 92.7%

Industry average – 86.8%

Western Australia (WA) 

Navy Health – 87.1%

Industry average – 90.1%

Tasmania (Tas) 

Navy Health – 92.6%

Industry average – 83.0%

Northern Territory (NT) 

Navy Health – 89.0%

Industry average – 80.1%

How many hospital agreements does Navy Health have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Navy Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Navy Health has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

100 private hospital agreements out of an industry maximum of 100

89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

53 private hospital agreements out of an industry maximum of 58

48 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

75 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

23 day hospital agreements out of an industry maximum of 29

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Does Navy Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: 4%

Total discount for annual prepay via direct debit: 4%


Does Navy Health offer ambulance cover?

All Navy Health extras, hospital and combined policies have emergency ambulance cover.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does Navy Health offer family policies that cover adult children?

Yes, adult children are covered up to age 22 and up to age 25 if in full-time study.

Does Navy Health let you claim online or in-app?

Can claim online for all services except pharmacy, orthodontic, medically prescribed appliances and ambulance. Can also claim all services via an app (iOS and Android).


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What CHOICE Community says about Navy Health

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Navy Health to share your experiences or gain more insights into this health fund.