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
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
This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported for states in which the insurer does not have a large membership.
| Ombudsman complaints compared to market share | ||
|---|---|---|
| All complaints | 0.2% | 0.4% market share |
| Investigated complaints | 0.5% | |
| Health Insurer Retention and Finances | Industry result | |
|---|---|---|
| Member retention (hospital cover) | 89.4% | 86.5% |
| Benefits as % of contributions | 83.4% | 81.1% |
| Management expenses % of contribution income | 10.4% | 10.8% |
| Management expenses per average policy | $469 | $413 |
| Coverage | ACT | NSW | VIC | QLD | SA | WA | TAS | NT | Australia |
|---|---|---|---|---|---|---|---|---|---|
| Hospital Related Charges Covered | 84.8% | 89.6% | 91.3% | 89.0% | 92.2% | 90.7% | 89.6% | 82.6% | 89.8% |
| Industry Result | 81.8% | 88.7% | 90.5% | 88.9% | 92.6% | 92.4% | 92.4% | 88.6% | 89.9% |
| Medical Services with No Gaps | 81.9% | 90.2% | 90.4% | 91.0% | 90.4% | 89.8% | 91.5% | 82.7% | 90.0% |
| Industry Result | 75.6% | 89.3% | 87.3% | 87.8% | 89.0% | 88.9% | 91.2% | 86.7% | 88.3% |
| Medical Services with No or Known Gaps | 92.8% | 97.1% | 98.5% | 97.8% | 99.2% | 97.9% | 98.9% | 89.2% | 97.6% |
| Industry Result | 91.2% | 96.4% | 97.8% | 96.8% | 99.3% | 98.0% | 98.8% | 95.9% | 97.2% |
| General Treatment (extras) Covered | 42.0% | 46.3% | 49.6% | 48.8% | 53.8% | 52.2% | 45.9% | 50.2% | 48.3% |
| Industry Result | 46.4% | 48.4% | 50.5% | 51.4% | 55.2% | 55.9% | 51.8% | 57.7% | 51.1% |
| Private Hospital Agreements | 5 | 98 | 71 | 51 | 18 | 22 | 5 | 2 | - |
| Industry Maximum | 8 | 98 | 72 | 58 | 24 | 24 | 8 | 2 | - |
| Day Hospital Agreements | 8 | 88 | 66 | 47 | 24 | 21 | 7 | 1 | - |
| Industry Maximum | 9 | 104 | 79 | 54 | 30 | 29 | 9 | 2 | - |
Box Hill
VIC 3128