(before any rebate, loading or discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in Northern Territory
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading or an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 21, students up to and including the age of 31, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
Membership of this insurer is restricted to Cover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.
This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover or benefits for travel and accommodation (outside of hospital).
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: No excess
Co-payments: No co-payments
Waiting periods:
Each person can be admitted as a private patient in a private hospital for up to 5 separate day procedures within a financial year (July to June). Navy Health’s cover includes hospital accommodation fees, theatre fees, and up to 100% of the Medicare Benefits Scheduled fee (MBS) for day admissions only. Overnight private hospital admissions are not covered. Always confirm coverage with Navy Health prior to your admission.
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
There is no excess and no co-payments on admission, and you are covered for all services in a public hospital. You are also covered for unlimited ambulance cover Australia-wide, which means you are not required to take out ambulance cover elsewhere.
https://navyhealth.com.au/public-basic-hospital-budget-extras-cover/
This health insurer does not operate a preferred provider scheme.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $500 per person (combined limit for general dental & major dental) | Periodic oral examination - $28.00 Scale & clean - $50.00 Fluoride treatment - $15.60 |
| Major dental | 12 | Surgical tooth extraction - $102.00 | |
| Optical | 6 | $170 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - 100% of charge |
| Non PBS pharmaceuticals | 2 | $200 per person | Per eligible prescription - $50.00 |
| Physiotherapy | 2 | $300 per person | Initial visit - $37.00 Subsequent visit - $27.00 |
| Chiropractic | 2 | $300 per person up to $600 per policy (combined limit for chiropractic, osteopathy & other services) | Initial visit - $30.00 Subsequent visit - $22.00 |
| Acupuncture | 2 | $200 per person up to $400 per policy (combined limit for acupuncture, remedial massage, chinese medicine & exercise physiology) | Initial visit - $18.00 Subsequent visit - $18.00 |
| Remedial massage | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Chinese medicine | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Exercise physiology | 2 | Initial visit - $18.00 Subsequent visit - $18.00 | |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $30.00 Subsequent visit - $22.00 |
| Members can access special offers from any of Navy Health’s preferred optical providers: OPSM, Laubman & Pank, Specsavers, Teachers Eye Care, Eyebenefit and Q Optical Network (QON). General treatment benefit year runs from 1 July to 30 June. | |||
| Blood glucose monitors | Orthodontic | Other treatments - check with your insurer |
| Endodontic | Podiatry | |
| Hearing aids | Psychology |
Telehealth services available for Physiotherapy.
https://navyhealth.com.au/public-basic-hospital-budget-extras-cover/
In Northern Territory this policy provides:
Emergency: Unlimited with a waiting period of 2 months.
Non-emergency: Unlimited transport with a waiting period of 2 months, or 2 months for pre-existing conditions.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
We cover 100% of the cost of ambulance services within Australia, provided it is provided by a state based run Ambulance service, by either air/sea or land. We do not provide benefits for privately run patient transport services.
https://navyhealth.com.au/public-basic-hospital-budget-extras-cover/
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.