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.
Amount cover us 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 fund also we can 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 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 ...
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
The reviewer stated that an incentive was offered for this review
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
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 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 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.
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 !
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 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 an...swer 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 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
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
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, 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 str...ange 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.
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.
Questions & Answers
member of navy health who is the closest dentist to Frankston linked to navy health
Is anyone able to get Navy Health Cover or is it only for people in the military ?
Get an answer from our members and Navy Health representatives
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