Navy Health Ltd (NHB)
Navy Health is a restricted not-for-profit registered private health insurer. To see if you are able to join go to https://navyhealth.com.au/eligibility/
Navy Health Ltd provide further information regarding:
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.
This insurer is a mutual organisation that operates on a not-for-profit basis.
Navy Health Ltd operates in all states and territories.
Once accepted as a member you and your family are entitled to lifetime membership eligibility. Membership of the fund is available to current and former; Serving and Civilian ADF personnel, Employees of civilian organisations contracted to provide services to the Department of Defence and Navy Health, members of the ADF Reserves, Cadets (Royal Australian Navy, Australian Army & Royal Australian Air Force). The extended families of each group above are also eligible to join. (Extended families include; parents, siblings, partners/ex-partners and the adult and dependant children of the family member). Navy Health offers discounted premiums to serving personnel. For more information go to www.navyhealth.com.au
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.
|Benefits as a % of contributions||91%||85.8%|
|Management expenses (% cont)||9.7%||8.9%|
|Management expenses (average policy)||$383||$322|
|Member retention (%)||88%||82%|
|Hospital Related Charges Covered||86.6%||91.8%||93.4%||92.8%||94%||94.7%||95.1%||94%|
|Medical Services with No Gaps||82.6%||90.4%||91.9%||91.8%||93.3%||88.3%||92.6%||86.9%|
|Medical Services with No or Known Gaps||94.5%||97%||98.6%||97.6%||99.3%||97.2%||98.1%||94%|
|General Treatment (extras) Covered||45.3%||49.4%||54%||51.4%||55.4%||52.5%||51.6%||51.7%|
|Private Hospital Agreements||6||94||75||52||25||20||8||2|
|Day Hospital Agreements||7||89||71||43||25||23||3||1|
|Share of PHIO complaints||Compared to insurer's market share|