Phoenix Health Fund is a member of the Members Owned Health Fund brand, which means it is run solely to benefit its members rather than to turn a profit. That said, it scores slightly below average on some key metrics tracked by the private health insurance ombudsman.
Pros
Good for people who like their extras, as Phoenix Health Fund offers lots of unique treatment options in its Top Extras policy.
Good for rural and regional Australians who travel far for their treatment.
Cons
Phoenix has slightly lower than average member retention among all healht funds.
The health fund also returns a slightly lower than average percentage of premiums to members as beneftis.
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
Bronze Hospital.This policy covers the 18 clinical categories required to make it a Bronze rating. This means you'll get cover for services like tonsils, miscarriage and termination of pregnancy, chemotherapy and other essential services.
Bronze Plus Essentials Hospital.This policy covers 18 clinical categories required to get the Bronze label plus it also comes with lung and chest, blood and dental surgery.
Bronze Plus Care Hospital.On top of everything that you get with Bronze Plus Essentials, you'll also get medically necessary plastic and reconstructive surgery, and heart and vascular cover with Plus Care.
Silver Everyday Hospital.This policy covers all 26 clinical categories required for a Silver Policy. You'll get cover for back, neck and spine, implantation of hearing devices, podiatric surgery and more.
Silver Plus Content Hospital.This includes everything that's covered by Silver Everyday plus cataracts, joint replacements, pregnancy and birth and assisted reproductive services.
Silver Plus Advantage Hospital.This policy covers all 26 clinical categories required of a Silver Policy plus a few more including insulin pumps, dialysis for chronic kidney failure and pain management. It does not cover pregnancy and birth.
Extras coverage
Kick Start Extras 50. This is a very basic extras policy covering general dental, some pharmaceuticals, chiro, osteo and physio. It gives you 50% back, up to annual limits.
Everyday Extras 60. This covers what Kick Start Extras 50 does plus a range of other services including major dental, optical, orthodontic, acupuncture, podiatry and more. It gives you 60% back, up to annual limits.
Complete Extras 70. This covers what mid does plus hearing aids. It also gives you 70% back on your policy, up to annual limits.
You can mix and match hospital and extras cover for a combined policy.
Ambulance coverage
All Phoenix Health Hospital insurance policies include cover for emergency ambulance transportation. Some Extras only covers have limited ambulance services.
Phoenix Health frequently asked questions
Yes, Phoenix Health Fund is a not-for-profit. That means it reinvests its earning back into member benefits.
In the majority of cases, many general treatment providers will provide on-the-spot electronic claiming when you receive your treatment. All you have to do is swipe your Phoenix Health Fund membership and any benefits you are entitled to will be automatically deducted from your bill.
Where this is not an option, you'll be required to fill out and send in a claim form that includes your receipt, your membership number, the date the service was provided, the details of the service provided and the details of the service provider. Your claim form can then be submitted via email, post or fax, or via your smartphone using the Phoenix Health Fund Mobile Claiming app.
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To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 644 Finder guides across topics including:
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Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
