Phoenix Health…..personal health insurance that’s there for you

Health insurance is a big deal and a personal decision. That’s why our priority is to support our members’ health and wellbeing and to be there with them through all stages of life.

There are so many reasons to choose Phoenix Health… Here’s just a few of the ways we are working hard to provide the most personal health insurance to each one of our members…

member owned We’re Member Owned
We’ve been providing personal health insurance for over 65 years, so you could say we’re the best kept secret in health insurance! While a lot has changed in the time we’ve been around, the one thing that has remained the same is our focus on protecting every one of our members. We’re owned by members – run by members – for the benefit of our members. What this means is we are able to invest back into the fund providing more back in benefits to our members, rather than into shareholders pockets.
Committed to our members Committed to our members
Our members are at the forefront of everything we do, and supporting their health and wellbeing is our priority – it is our commitment to you to ensure that through personal care and service, we are there for you not only in times of sickness, but through maintaining health as well.
Swipe and hope Swipe with Confidence
Do you swipe your member card and hope for the best at your provider? At Phoenix Health, we’re ending the ‘swipe and hope’!
Our Extras covers have set percentage benefits across the board, so you can be confident in knowing how much you’ll get back for a treatment when you swipe your card.

Check out our range of percentage-based extras covers here.

Your preferred provider Your preferred provider is ours too
When it comes to our health, who treats us is a personal decision and when you find a provider that you love, it’s pretty special.

We believe you should get generous benefits no matter who you see. So, instead of locking you into a preferred provider network to access the best benefits available, you’re free to be treated by whoever you choose and still get the same great benefits.

Dental 100% back for Dental check-up and cleans
Gap free preventative dental comes as standard on our current range of Extras covers, which means that you (and everyone on your membership) will get 100% back on services like check-ups and scale and cleans at the provider of your choice. Plus, Complete Extras 70 and Everyday Extras 60 have unlimited General Dental benefits, so should you need any extra treatments you’ll be covered! ^
Ambulance Cover Ambulance Cover… because accidents happen

We get that sometimes accidents happen, and that’s why we cover Emergency and Non-Emergency Ambulance treatment and transport where it’s medically necessary, Australia-wide*.  So you have peace of mind and are ready to expect the unexpected.

All Phoenix Health Hospital covers provide full and unlimited benefits for emergency and non-emergency Ambulance – where medically necessary.

Emergency and non-emergency Ambulance benefits are available under all current level of Phoenix Health Extras cover and are payable at the percentage benefit and up to the limit available on the respective level of cover.

Check out the individual product information sheets for specific benefits available on each level of cover here.

Benefits Australia-wide Benefits Australia-wide
We’ve got you covered Australia-wide with access to over 550 private hospitals and 36,000 Access Gap Doctors – so no matter where you are in Australia, you can be sure you’re covered for hospital charges for accommodation, theatre, labour ward, coronary care and intensive care at a hospital near you.

Looking for an agreement hospital or Access Gap Doctor? Check out our search here.

Shop.Save.Support Shop.Save.Support.
Saving on the everyday is just the beginning with the Phoenix Health Shop.Save.Support. Program.

When members said they wanted value from their cover, we listened! In conjunction with our partners, We Make A Difference, we have developed a platform to give members access to discounts at some of Australia’s biggest brands, while also benefiting the wider community at the same time.

Exclusive and free to all Phoenix Health members, registering for Shop.Save.Support will unlock a world to:

  • Shop at our online stores and access special offers and promo codes;
  • Save up to 7% when you purchase e-Gift cards from some of Australia’s biggest brands;
  • Support the community – on average 2% of all purchases made through the online stores will be donated back to your nominated charity.

Check Shop.Save.Support. out here.

Benefits, limits and waiting periods apply. Please refer to the individual cover information sheets for product specific information and eligibility. Benefits are payable at registered providers only.
*One (1) day waiting period applies to emergency and non-emergency Ambulance cover.
^ 100% benefits payable for comprehensive oral examination (item 011), periodic oral examination (012), oral examination – limited (item 013), removal of plaque and/or stain (item 111), removal of calculus – first appointment (item 114), removal of calculus – subsequent appointment (item 115), topical application of remineralisation and/or cariostatic agents, one treatment (item 121) and fissure and/or tooth surface sealing – per tooth (item 161). Claimable once per appointment, up to twice per person per calendar year up to product specific limits where applicable. Waiting periods, limits and exclusions apply, please refer to Cover Information sheet for specific product information and eligibility. Any additional treatments will be payable according to your level of cover.