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Compare Navy Health health insurance

How Navy Health rates for member complaints, gap cover and ambulance.

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CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Who is Navy Health?

Established in 1955, Navy Health is open to all serving and ex-serving members of the Australian Defence Force (ADF), reservists, cadets, employees of contractors to the ADF and their families. It is a nonprofit health fund and is part of Members Health, an alliance of nonprofit and mutual health funds.

Phone: 1300 306 289


Does Navy Health get many complaints from members?

Navy Health has a Low complaints rating.

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

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

How many hospital agreements does Navy Health have in each 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.

Does Navy Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: 4%

Youth discounts: None

Does Navy Health offer ambulance cover?

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

Does Navy Health offer family policies that cover adult children?

  • Adult children are covered on family policies for free until they turn 22.
  • Full-time students are covered on family policies for free until they turn 25.

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

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

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.

Stock images: Getty, unless otherwise stated.