For Defence personnel, those people working in the Defence Industry, and all of their families, private health cover (PHI) isn’t just for emergencies like sickness or hospitalisation – it’s a resource to enhance resilience and wellbeing. As a not-for-profit organisation dedicated to serving everyone in the Defence community, Navy Health’s goal is to help our members maximise the value of their plans by leveraging the various benefits and services on offer. Here’s how to make the most of your health cover.
Understanding Full Scope of Extras Cover
Having a comprehensive understanding of your Extras Cover is fundamental to maximising the value of your private health cover. Many members are aware of the broader service categories but often overlook the finer details of what falls under each. For example, did you know that Navy Health Extras lets you claim for remedial massages under Natural Therapies, Physiotherapy Exercise under Physiotherapy?*
These lesser-known inclusions can be valuable for your physical and mental health. That’s why it’s recommended to research thoroughly what services you may be able to claim for under each of your covered services, as you may find unexpected inclusions you could benefit from.
Maximising Optical Benefits
Clear vision is critical, whether on duty or off. Navy Health Extras Cover offers generous optical benefits for members. Claim 100% back on prescription optical – including Single, Bifocal, and Multifocal lenses, frames and contact lenses – at all recognised providers up to the annual limit.** Whether you need new glasses or want to stay on-trend with prescription sunglasses, you can refresh your eyewear every financial year.
On top of this, members can enjoy exclusive savings when purchasing their glasses or contact lenses from any of our preferred optical providers, like Specsavers (25% for 1 pair of glasses (frames and lenses) from the $149 range), and more.^
Planning Annual Check-ups Before Benefit Limits Reset
Navy Health’s Extras products, covering physiotherapy, dental, chiropractic, come with annual benefit limits that reset on 1 July each year. Therefore, to make full use of all benefits, plan your appointments strategically before the reset.
For example, 1st of July is approaching, and you have $150 remaining in your natural therapy limits – you might consider booking a massage or acupuncture session before the reset. These services, while not emergency-focused, can be beneficial investments in your long-term well-being.
By proactively scheduling check-ups and treatments throughout the financial year, you not only make the most out of your health cover but also foster consistent self-care.
Your Health, Fully Covered
Your health cover is packed with opportunities that go beyond the basics. By exploring all that’s included in Extras Cover, tapping into optical benefits, and planning ahead before benefit limits reset, you can get real value out of your membership.
With Navy Health, you’re backed by a provider that understands your needs and is committed to helping you get the best from your cover – day in and day out. To learn more, visit navyhealth.com.au or call 1300 306 289.
*Physiotherapy Exercise must be performed by a registered Physiotherapist.
*To check what you are covered for on your policy, download the Navy Health app or visit the relevant product pages on our website.
**Optical benefit is payable where the lens includes a form of sight correction.
^To view a full list of Navy Health’s preferred optical providers, and relevant terms and conditions, please visit https://navyhealth.com.au/optical/
