Navy Health Ltd (NHB)

Navy Health is a not-for-profit health fund for the Defence community, including serving, ex-serving ADF, employees of contractors to Defence and their families. Find out if you are eligible at navyhealth.com.au

This information is provided by the insurer

Navy Health Ltd provide further information regarding:

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.

Business Structure

This insurer is a mutual organisation that operates on a not-for-profit basis.

Navy Health Ltd operates in all states and territories.

Membership restrictions

With over 60 years’ experience, Navy Health is a not-for-profit health fund for the Defence community, including serving, ex-serving ADF, employees of contractors to Defence and their families. Navy Health is a Members’ Health Fund, giving you reassurance that we’re run for the benefit of our members, not the profit of shareholders. If you’re a White or Gold Veteran Cardholder, serving ADF member or an ADF Active Reservist (SERCAT 3-5) you will receive a 10% discount on your payable premium.* Switching to Navy Health is easy! We will contact your previous fund regarding your current cover details and if you have already served waiting periods with your current fund on an equivalent level of cover, you won't need to re-serve waiting periods with Navy Health. For further information, go to navyhealth.com.au or call 1300 306 289. *Active Reservists (SERCAT 3-5) and White or Gold Veteran Cardholders must be covered by the membership for the discount to apply. Only one discount can be applied to a membership.

Performance

The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.

Ombudsman complaints compared to market share
All complaints 0.4% 0.4% market share
Investigated complaints 0.5%
Health Insurer Retention and Finances Industry result
Member retention (hospital cover) 89% 86%
Benefits as % of contributions 88.5% 85.4%
Management expenses % of contribution income 9.1% 9.5%
Management expenses per average policy $383 $358
Coverage ACT NSW VIC QLD SA WA TAS NT Australia
Hospital Related Charges Covered 85.7% 90.8% 91.9% 90.4% 93.9% 92.2% 91.1% 87.1% 90.9%
Industry Result 83.1% 89.7% 91.9% 90.3% 93.9% 93.0% 93.4% 90.0% 91.0%
Medical Services with No Gaps 81.1% 90.8% 90.5% 90.7% 90.5% 89.2% 88.0% 90.6% 90.1%
Industry Result 78.1% 89.8% 88.8% 89.7% 90.7% 87.6% 91.6% 88.5% 89.3%
Medical Services with No or Known Gaps 93.4% 96.8% 98.6% 97.7% 99.6% 97.9% 97.6% 96.8% 97.6%
Industry Result 92.7% 96.5% 97.6% 96.8% 99.1% 97.0% 98.2% 96.2% 97.1%
General Treatment (extras) Covered 43.6% 47.5% 51.4% 50.5% 54.9% 52.7% 48.1% 47.2% 49.6%
Industry Result 47.7% 50.1% 51.7% 53.4% 56.7% 56.6% 54.1% 58.8% 52.6%
Private Hospital Agreements 5 93 74 47 20 21 4 2 -
Industry Maximum 6 99 84 61 27 28 9 2 -
Day Hospital Agreements 7 81 52 37 24 20 4 1 -
Industry Maximum 11 108 94 64 35 39 9 2 -
Address:
PO Box 172
Box Hill
VIC 3128
Phone: