Is Phoenix Health Fund not-for-profit?

Yes, Phoenix Health Fund is a not-for-profit. That means it reinvests its earning back into member benefits.

How do I make a claim with Phoenix Health Fund?

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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Our Verdict: Phoenix Health Fund

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.

What types of health insurance does Phoenix Health offer?

Hospital
Extras
Ambulance

Hospital icon

Hospital Coverage

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 icon

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 icon

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

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.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Tim Bennett as part of our fact-checking process.

Written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 622 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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