Navy Health Ltd (NHB) Review

Navy Health is a not-for-profit fund established in 1955 originally for the family members of the Royal Australian Navy. It operates as an independent private health insurer. It now provides cover to the wider Navy, Army and Air Force communities.

There’s a quick and easy eligibility test you can take online. This allows you to find out if you can join the fund. The fund has a ‘Lifetime eligibility’ policy. That means if you’ve ever been eligible, you or your family can join anytime in the future.

Navy Health is a ‘Members Health Alliance’ fund. This group of not-for-profit health funds puts its members’ health before profit. Navy Health boasts a high customer satisfaction rate.

Navy Health Ltd operates in all states and territories.

  • Navy Health has agreements with most private hospitals that members are likely to access. These ensure the hospital charges an agreed schedule of fees paid by Navy Health on behalf of members. The type and level of cover you choose may have an impact on this.
  • Some members can get a ten per cent discount off their premiums. These include those who are serving ADF members or ADF Active Reservists.
  • Other types are insurance options are available. These include travel and life policies. There’s a corporate option too for those who are employed by defence force contractors.

Navy Health prides itself in trying to help those who are leaving Defence jobs and heading into civilian life. Here are six ways it could help you.

  1. The fund has a specialised ‘Health + Care’ program. This provides benefits to help members get healthy and stay that way. There’s a customised wellness portal along with a chronic disease management program. Members who take out hospital cover get all this at no extra cost.
  2. The fund acknowledges the challenges there can be in adjusting to the civilian healthcare system. It, therefore, waives waiting periods for those who join within 90 days of being discharged. This is conditional on membership beginning from the day of discharge.
  3. Navy and Health have produced a special healthcare brochure. It’s aimed at helping those transitioning into civilian life. You can find it here.
  4. The fund claims to operate for the benefit of its members, not the profit of shareholders. Because it is a Defence-focused fund, it says it better understands the needs of the wider Defence community.
  5. The fund provides health insurance for Defence families both during and after service. There is a range of comprehensive products to cover members and their families.
  6. Navy Health has devised a generous and comprehensive assistance policy to help members affected by the 2019/2020 bushfires.

Cover is available for singles, couples, families and single parents. There are also ‘kids only’ policies.

The fund offers a Young Adult Membership too. This allows someone to stay on their parents’ hospital cover. As a condition, they would need to take out their own extras cover and satisfy certain other criteria. You can find out more here.

There are three main types of hospital cover. These are Premium Gold, Core Silver+ and Saver Bronze+. Premium Gold has the least amount of exclusions.

All Navy Health hospital policies provide full ambulance cover within Australia. This is as long as the service is from a State or Territory registered ambulance service and is medically necessary.

There are three main types of Extras cover. These are Budget Extras, Healthy Living Extras and Premium Extras. You can choose what you’d like included by selecting the type of cover that’s going to suit you. For example, members can receive dental, psychological and eye treatments as well as natural therapies.

Members can claim using the Navy Health app and via email or post.

  • Address: PO Box 172, Box Hill, VIC 3128
  • Phone: 1300 30 6289
  • Email:
  • Website:

Health Insurance Comparison currently does not offer comparisons for Navy Health. You can review the health insurers we compare here. Each of the insurers with a tick in the top right corner is able to be compared for you by our specialists or through our online comparison tool.

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