Healthy Hospital 200 & 500

Healthy Hospital (200 & 500) offers the same benefits that are provided in the Premium Hospital cover combined with an excess.

By choosing either of the Healthy Hospital covers, members can take advantage of the lower premiums by choosing to pay an excess on top of any patient contribution which would normally apply to the Premium Hospital product.

The Healthy Hospital covers provide members with multiple excess policy options.

Healthy Hospital for singles have excess options of:

  1. Healthy Hospital 200 $200 single excess
  2. Healthy Hospital 500 $500 single excess

Healthy Hospital for families have excess options of:

  • Healthy Hospital 200 $200 per person (up to family maximum of $400)
  • Healthy Hospital 500 $500 per person (up to family maximum of $1000)

Excess Explained

The excess applies to the cost of in-patient hospitalisation in either a private, public or day hospital facility. The member excess is payable per membership and is deducted from the first or subsequent claims for hospitalisation.

For singles, the excess is onyl payable once in any 12 month period (once excess is paid in full), so from the day you go into hospital, Navy Health will not charge another excess for a minimum of 12 months.

For families, the excess is only payable per each admission up to the family maximum, in any 12 month period. For example, if a member goes to hospital whilst covered under Healthy Hospital 200, an excess of $200 is payable.

If, within the same 12 month period, another covered family member goes into hospital, the $200 excess is to be paid again. However, for any subsequent hospitalisations in the same 12 month period, no excess is payable.

View Healthy Hospital Premiums