Navy Health extras cover · restricted fund
Is Navy Health Premium Extras worth it?
For one adult in NSW, it costs more than it pays back in all three of the ways of using extras worked through below. It is $125.06 a month before the rebate, $94.90 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$1,091 behind
That costs $200 with no cover. On this policy you’d pay $1,139 in premiums and get $48 back.
Against the 219 policies from funds anyone can join that cover this, it would sit 191st. nib’s DentalPass does best, $1,081 better off over the year.
Two dental visits and new glasses
$744 behind
That costs $700 with no cover. On this policy you’d pay $1,139 in premiums and get $395 back.
Against the 189 policies from funds anyone can join that cover this, it would sit 146th. Latrobe’s Core Essential Extras does best, $793 better off over the year.
Two dental visits, new glasses and six physio sessions
$432 behind
That costs $1,240 with no cover. On this policy you’d pay $1,139 in premiums and get $707 back.
Against the 181 policies from funds anyone can join that cover this, it would sit 128th. HCF’s Flex My Extras does best, $801 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | $48 a visit | Not published | 2 months |
| Major Dental | Covered, amount not published as a set figure | $2,000shared with endodontic (root canal) | 12 months |
| Endodontic (Root Canal) | Covered, amount not published as a set figure | $2,000shared with major dental | 12 months |
| Orthodontic | 80% of the fee | $2,500 | 12 months |
| Optical | 100% of the fee | $350 | 6 months |
| Non-PBS Medications | $120 a visit | $600shared with vaccinations | 2 months |
| Physiotherapy | $67 a visit first, then $52 a visit | $850 | 2 months |
| Chiropractic | $60 a visit first, then $41 a visit | $750shared with osteopathy | 2 months |
| Podiatry | $57 a visit first, then $44 a visit | $500 | 2 months |
| Psychology | $110 a visit first, then $80 a visit | $600 | 2 months |
| Acupuncture | $38 a visit | $550shared with remedial massage, chinese herbal medicine and exercise physiology | 2 months |
| Remedial Massage | $38 a visit | $550shared with acupuncture, chinese herbal medicine and exercise physiology | 2 months |
| Hearing Aids | 100% of the fee | $1,300 | 12 months |
| Glucose Monitor | 85% of the fee | $700 | 6 months |
| Audiology | $70 a visit first, then $55 a visit | $500 | 2 months |
| Chinese Herbal Medicine | $38 a visit | $550shared with acupuncture, remedial massage and exercise physiology | 2 months |
| Dietetics | $80 a visit first, then $55 a visit | $500 | 2 months |
| Exercise Physiology | $38 a visit | $550shared with acupuncture, remedial massage and chinese herbal medicine | 2 months |
| Orthoptics | $70 a visit first, then $55 a visit | $500 | 2 months |
| Home Nursing | $60 a visit | $1,000 | 2 months |
| Occupational Therapy | $60 a visit first, then $40 a visit | $500 | 2 months |
| Orthotics | 85% of the fee | $300 | 2 months |
| Osteopathy | $60 a visit first, then $41 a visit | $750shared with chiropractic | 2 months |
| Speech Therapy | $110 a visit first, then $55 a visit | $500 | 2 months |
| Vaccinations | $120 a visit | $600shared with non-pbs medications | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $125.06 | $250.12 | $250.12 | $125.06 |
| VIC | $125.06 | $250.12 | $250.12 | $125.06 |
| QLD | $125.06 | $250.12 | $250.12 | $125.06 |
| WA | $125.06 | $250.12 | $250.12 | $125.06 |
| SA | $128.17 | $256.35 | $256.35 | $128.17 |
| TAS | $123.24 | $246.48 | $246.48 | $123.24 |
| NT | $120.83 | $241.64 | $241.64 | $120.83 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Product code I10/NFCN10 on privatehealth.gov.au. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.