Navy Health

I was recently diagnosed as pre-diabetic and high cholesterol and my doctor put me on a preventative drug regimen to try to address it before it became a health issue. Navy health refused my claims even though I had not claimed any of my pharmaceutical benefit previously. Not only that they refused to respond to me personally even though both my… Read more

husband and I are ex-navy and listed on the policy. Don’t bother with them you can get better service and more flexible premiums elsewhere.

Dissapointed and Deceiving. Work friends suggested to move to Navy Health for great extras. Moved from Bupa just after extras anniversary reset which is 01/01/25. Navy Health did not let me know when coming from Bupa that they have a different extras claim limits anniversary date of the 1st of July. Most health insurance providers have the same… Read more

extras anniversary reset on 01 January. We are at least $500 worse off due to very low or no extras claims payment amounts. If we had stayed with Bupa we would not have been worse off financially and saved a lot of time in phone calls. When raising this several times with several customer service and claim staff, we were told that we were trying to make money... haha, deflection at its best. When asked if we were told when signing up about the different anniversary extras date (01/07), we were told several times they would check the recording and come back to us. Due to no response and being financially disadvantaged in a cost of living crisis we decided to for go promotion 4 free weeks of cover and find a more trusted health insurance provided at slighlty less premium cost. The app is clunky and customer service has unfriendly hours for working people who don't have time to make a long call in work hours and don't have access to their personal phone due to working in Defence. The experience journey with Navy Health was good to poor and ended up being terrible. Only positive was the calls were friendly people but no one takes responsibility. The only time anyone was interested in contacting us was the retention person. Happy to prove that we are worse off under Navy Health compared to the previous similar cover under Bupa.

Great Company – If we have to be in the hugely expensive private health industry a fund for members like. Navy Health is the best bet. Easy to work with. Show details ·  1

Friendly people – I originally had bronze hospital with extras but I found the coverage was lacking and the benfits weren't that great. I switched to premium hospital without the extras and I find the coverage great. I recommend to go the top coverage, it was cheaper then I was expecting. The staff are friendly and helpful. Show details ·  1

Don’t bother - find someone else – They have no idea what they are doing. Pick and choose what they cover and when you call to ask them, they can’t tell you. Beyond frustrating and unhelpful, I would find somewhere else. I ended up giving up trying to claim for an operation because it was far to hard.  Show details

Amount cover is Very low – Been with NH all my life 40+ years , and so now is my family. I've noticed over the years they are decreasing the amount they cover with extras, and when they do cover things it's very " we will cover this part but not part" even if its the one procedure , and the total amount us very very small and the gaps are increasing. I also notice if we can… Read more

go many years without a claim and there is no rewards for that. Also we found we can't tailor out membership to our needs. It's now reached the point that with the Premiums increasing and the coverage decreasing we are beginning to question is it worth having.

Navy health has poor customer service – I’ve been with navy health for the last 13 years and their customer service needs improving. Especially if they specialise in helping ex defence service People! I tried to give them my white card as I was only recently told I could get discounted for what I was paying (after 13 years) however was not allowed a back pay! And when they asked for a… Read more

copy/picture of my white card to be emailed, I sent it but then was told that they need a photo on it when it doesn’t have my photo on it. They have no idea. I was also told I’d have to pay extra fees if I only just connected to hospital cover, even though in the defence we are not allowed to use external insurance or Medicare (and I wasn’t aware of governmental changes from back in 2006 when I was still serving)... They don’t seem to understand military service or the things that might occur due to serving. There’s no connection.

Best Top extras in Australia – I switched from Defence Health because they cut all their benefits on extras and increase their premiums like no tomorrow. The customer service officer said it because we were losing money and from a business prospective I understood it. For a consumer, I switched to Navy Health premier extras and they do not cut their benefits. You get alot back and reasonable price in Australia. Wanna know how? Compare the extras policy and you will see Show details

So glad I joined – Very happy with Navy health. Service is prompt and so easy to make claims. If not done directly by provider, all you do is open the app and take a photo of the bill. Benefits are paid promptly Show details

Watch the small detail on transfering in – Having had the initial discussions on joining Navy health with their support staff via phone, once I joined the very small detail starts to emerge especially on the extras, e.g. despite coming from a provider who paid $120 for a scale and clean and Navy pays $45, they define the move from GMHBA to Navy as a dental upgrade as the overall dollar… Read more

value for the full dental offering (endodontics, orthodontics, general dental ) is higher than what we came from.

Ask 1000 questions to get the full story and study the PDS despite it being many pages with hundreds of links within the paragraphs and in my opinion not in a plain English style.

Waiting to see what else they pull out of fine print, may well be a good provider overall but are very frustrating in their lack of disclosure in plain and simple terms.

navy health ships to the top of the list of health funds – navy health is exceptional value, the benefits on hospital and extras are unmatched compared to other health funds, navy health have made a concerted effort to keep their premiums as low as possible so it is affordable, it is easy to set up just go online and your membership can be set up almost straight away their customer service is excellent… Read more

they answer any questions almost straight away, compared to other health funds which leave you hanging on the phone for up to an hour, so five stars to navy health and feel safe and secure your health is in the best of hands so get aboard navy health and enjoy the trip to maintain good health.

Don't Bother – Terrible customer service, not very helpful, won't ever go back to this mob ! Asked them what cover I had for a quoted varicose vein op - they couldn't tell me. Told them I was doing CFTS and they advised me that I would get a rebate - never happened. Worst customer experience I've ever had. Abysmal ! Go elsewhere people !  Show details

A health fund providing real value to members – Had taken the time to review the private health government website to do comparisons and felt that Navy Health’s top hospital and top extras cover held up well against the competition. Premiums increasing at my old fund was the trigger for the review and transfer to NH. I signed up with Navy Health after checking my eligibility to join this… Read more

restricted fund, being a cadet many years ago. Have claimed on hospital and extras without any hassles and like the ability to claim online for the majority of extras. The call centre staff are quick to answer the phones and are very helpful on the occasions I needed clarification or to check coverage before hospital stays. My dentist’s receptionist is always amazed at the majority of the bills being covered, with out of pocket fees generally less than $4! If you are eligible to join, would urge you to compare and save like I did!

Discount for Card Holders and not ordinary Members – Why does naval health offer membership to gold card holders when they are fully covered by DVA for all conditions.If you accept this offer you will have to pay membership fee when there is no need.White card holders are only covered for specific conditions so some people might find it needed.And they give you 10% discount if you join.What about… Read more

discount to those who are members of Gold Card holders who have been members for many years.Naval Health needs to assist there existing members who are not card holders

impressive $ returns ED – I was with my last insurer since 1985 , Every year I did a comparison with 4 other health funds, to check I was getting the best value for money, This year I added Naval health to my lists to check out, I hadn't heard of Naval Health before, I listed everything covered and $ returns, NH was $5000 more in returns than my current fund  Show details

ipressed – transferred from another fund which was charging more and providing less very impressed with the service from the 5 staff I dealt with (in the 5 ph calls I made) also influenced by looking at the reviews on various health funds  Show details

Terrible Customer service – I joined Navy health after I left the services just over a year ago (obtained hospital and extras cover). While the prices were not competitive they seemed easy to deal with and the returns appeared to be good value. During the course of the year I made little to no in the way of claims due to a DVA White card covering most issues. However,… Read more

in the last few months of my membership they emailed me almost daily asking for various pieces of paper (proof of service, proof of reserve service, paperwork for government rebate claim). The most strange of which was proof of my service. Keep in mind this was after a year of being with them and I had originally given this to them when I joined. Even stranger was the fact they insisted on me providing the paperwork while referring to me by my previous rank.

After constant harassment I called to complain that I had either provided the paperwork or it was not relevant )rebate) and was pretty much told to just end my policy. After some consideration this is what I did. I am now with Defence Health. Hopefully they will be more considerate of their customers.

It is disappointing my experience was not a better one. While I cannot recommend Defence Health yet I will not recommend Navy Health. Too much drama for very little reward.

The expertise of Navy Health – Been great to Family and I since 1983. They are always prompt and eager to help. I recently checked around a few other private health companies and asked "compare the market" The consultants advice, after several minutes , "stay where you are mate, noting else come within a bulls roar". Seeing the adverse comments that customers have of rival companies, I reckon he's correct.  Show details

Fast & Professional – Have been a member since 1980's never had a problem in the past 4 years had private hospital operations with hospital fees of over $25,000, yet always made to feel welcome.  Show details

Yes, it IS possible to love your health fund – I've been a member with Navy Health for several years now, and remain impressed with all aspects of their cover. I love their customer service. It's great and the person who answers the phone fixes the issue. Having said "issue", let me also say that in several years of membership, I've had ONE issue that needed addressing and the outcome took one… Read more

phone call and ended up in my favour. Yeah!

I joined Navy Health because the premiums were more affordable than the rest of the mob, and it's a gift that just keeps on giving because the rebates are really generous too. Even healthcare providers go all shockface at how much I get back.

Put it this way; my son was covered by his father's Bupa, but it was more affordable for me to put him on my Navy Health cover because, even with the additional monthly cost, my total out of pocket expense is reduced.

Said child has currently got all kinds of contraptions on his face and in his mouth too, to address some complex orthodontic nightmares he's got going on, but at aged just-turned-ten, it's likely he'll also need follow up orthodontic care as a young teenager-which is groovy because our extras cover with Navy Health doesn't limit us to only one course of orthodontia in a lifetime.

I'll let that sink in for a moment:

Unlike most healthfunds, Navy Health can provide for ongoing orthoontic care. For my son, this is life changing because this cover has enabled us to source and implement an excellent long term treatment plan with the potential for exceptional results, that will potentially avoid the need for surgery, and still have room for continuity of any subsequent orthodontic care. Without our Navy Health extras, we'd have either needed to switch between private and public treatment to make it affordable, or to settle for "good enough" and stick with one orthodontist and a simplified, once only treatment plan which would treat the malocclusion once it had "matured". With Navy Health, we get to act early and work with his evolving bone structure, and then act again as needed.

Then there's this: even if it were only one orthodontic plan, Navy Health is paying out $1200 more than Bupa and then, depending on the time in between, pays again for the next round when Bupa won't pay at all. Which means so much more money to spend on shoes! (Which is a joke, by the way but still. Having so much more money to POTENTIALLY spend on shoes feels pretty good too) :)

Your mileage may vary, and your savings and benefits will depend on your current health fund and the level of cover you select with Navy Health. I've always chosen "super premium" type extras and did so with all previous health funds, so I AM comparing apples with apples here and Navy Health wins, every time.

Best benefits and first class customer service – Lucky I can join due to being a former Customs employee. I transferred from Defence Health and have never looked back. I've enjoyed high benefits and after paying a $500 excess my inpatient and outpatient cost have been fully covered this bill alone is in excess of $40,000. Whenever I call I get through straight away and the staff chat to you for as long as you need. The premium increases are lower than the other profit funds.  Show details

Great service, great benefits and great pricing! – Have been with Navy Health for nearly 2 years now after transferring over from one of the larger health funds - I have premium family cover and Navy Health is cheaper for premiums and pays heaps more out on benefits for all types of health services - I have often had comments from health professional offices that Navy Health pay the best benefits… Read more

- and Navy Health have top notch customer service, if you call them you can often to speak to the same person! and if you lodge a claim thru the internet or fax you EFT payment will be in the bank the next day - nothing is ever a problem with a query. 10 stars out of 10 for Navy Health!

Friendly & Professional, Treat you as more than just a wallet – I joined Navy Health after leaving the Defence Force and, while I've not had any major surgery, I have used my extras cover and have contacted their office on a couple of occasions now and have been very happy, both in terms of value for money and service. A big plus is that they actually care about you - one customer service agent even gave me… Read more

some useful advice that will save me some money in the future. Fair and Friendly Health Insurance that offers decent value None to mention