For Navy, ADF and defence-related members.
2026 premium increase
+2.88%
Industry average: +4.41%(-1.53 pts vs avg)
Effective 1 April 2026.
About Navy Health
Restricted access not-for-profit fund originally established for the Royal Australian Navy community, now serving the broader defence community.
Typical strengths
- Below-average rate rises
- Member-focused service
Things to weigh up
- Eligibility restricted
Premium increases — last 5 years
How Navy Health's gazetted average increase has tracked against the industry each April.
Navy Health has beaten the industry average 2 of the last 5 years.
Source: Department of Health, Disability and Ageing, gazetted premium rounds 2022–2026. Years without a published figure are shown as gaps, not zero.
How Navy Health performs for members
Size, complaints, retention and how much of a hospital bill members actually see covered — from the Ombudsman's 2023–24 report.
Complaints share
0.2%
Fewer complaints than Navy Health's size would suggest.
Market share
0.4%
Share of all Australians with private health cover.
Member retention
88.4%
Members who stayed with the fund across the year.
Charges with no/known gap
89.2%
Hospital-related charges covered with no gap or a gap agreed up front.
Extras charges covered
46.8%
Average share of extras bills the fund's benefits pay.
Premiums returned as benefits
84.6%
Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.
Agreement private hospitals
494
Private hospitals with agreements, where members are covered with no or known gaps.
Source: Commonwealth Ombudsman, State of the Health Funds Report 2023–24, and Comparify's hospital agreement dataset.
Open policies right now
Every Navy Health policy currently open to new members, straight from the Government's PHIO dataset.
- Basic—
- Bronze1
- Silver1
- Gold2
3
Extras-only policies
From $35/mo
13
Combined policies
Full hospital and extras coverage bundled together
Cheapest hospital premium
Per month, before rebate
How Navy Health's hospital cover prices compare
Each row shows the whole market's monthly premiums for that tier, with Navy Health's own open policies marked in purple.
Navy Health has no open policies at this level for the selected cohort.
VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.
How Navy Health's extras cover prices compare
Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.
Navy Health has no open policies at this level for the selected cohort.
- Everyday extras
- General dental and everyday services — no major dental
- Mid extras
- Major dental covered, orthodontics not covered
- Top extras
- Major dental and orthodontics both covered
Compare Navy Health against the market — with an advisor
Same price as joining Navy Health direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.
Navy Health questions, answered honestly
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See all explainersOther funds we compare
Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026). Comparify compares a subset of these funds through its advisors.