Serving Members

Health Care Costs of Serving Members

Health care costs of serving members are met by the Commonwealth until the date of discharge. This is regarded as the equivalent of private health insurance and as such no Lifetime Health Care penalty applies to members of the ADF when they separate, providing they take out private hospital cover within the allowable time-frames. For more information, please go to the Private Health Insurance website.

For the serving member waiting periods and pre-existing ailment restrictions can be avoided if you join within 90 days of discharge and the membership application takes effect from the day following discharge.

Families with one serving member can opt to pay the Military family premium. This premium excludes the cost of one adult and this adult can NOT make any claims on the fund.

Families with two serving members can also opt to pay the Military family premium. This premium excludes the cost of two adults and these two adults can NOT make any claims on the fund.

Reservists

If a reservist serves a minimum of 28 consecutive days of active service, they may be entitled to receive Navy Health’s discounted family military premiums or as a single person they may choose to suspend their cover for the duration of their full time service. The discount with the family military premium equates to a 15% savings opposed to paying the civilian premiums. The civilian premiums must resume from the day after ceasing the full time service to avoid any waiting periods. Requests for suspension must be pre-arranged.