Phoenix Health is a not-for-profit, member-owned fund that’s been looking after Australians for over 70 years, with cover that focuses on real value and personal service.
Flexible Hospital and Extras options that fit your lifestyle. Enjoy your independence with cover that keeps up.
View singles coverCover that supports both of you! From everyday health needs to the bigger life moments with options you can tailor together.
View couples coverHospital and Extras cover that helps protect your entire family. From pregnancy and birth through to kids’ check-ups and those everyday bumps and scrapes.
View family coverSingle parent cover that respects your budget, with flexible Hospital and Extras options and benefits designed for you and your kids.
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We exist for members - not shareholders. Our goal is simple: to provide affordable, quality private health insurance with personal service you can rely on.
We’re confident you’ll love Phoenix Health but want you to be 100% comfortable. If you change your mind, you have 30-days to cancel for a full refund provided you haven’t made a claim.
We exist to benefit members, not shareholders, so more of your premiums go back into cover and service.
Our Australia-based team takes the time to understand your needs and help you get the most from your cover.
Tailored Hospital, Extras and combined cover, so you are not paying for benefits you do not need.
Get 50% or 60% back on Extras with set-percentage covers, and enjoy the same great benefits no matter which provider you choose.
Our Hospital Cover includes Australia-wide coverage with access to over 550 private hospitals, 36,000 Access Gap Doctors and ambulance cover. So, no matter where you are in Australia, we’ve got you covered.
We believe you should get generous benefits no matter who you see. You’re free to be treated by whoever you choose and still get the same great benefits.
Get cover for treatment when you are admitted to hospital as a private patient, with options from entry-level Basic Hospital through to higher Silver Plus Hospital cover for families and growing kids.
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Money back on everyday services like dental, optical, physio and more, with set-percentage benefits of 50% or 60% back and the freedom to see your preferred providers.
Explore extras cover
Enjoy the best of both worlds by combining Hospital and Extras cover, so you are supported for bigger life events and day-to-day health care under the one membership.
Explore combined cover
Make sure your cover still suits your current life stage and budget.
Trim benefits you are not using and focus on what you actually need.
Check whether you could save money by changing your level of Hospital or Extras cover.
Understand waiting periods, rebates and how switching to Phoenix Health works.
Hospital-standard care delivered in the comfort of your own home, where clinically appropriate, so you can recover in familiar surroundings.
A guided program for eligible hip, knee or shoulder joint replacements, with specialist care before and after surgery to help you get back on your feet sooner.
Care Multi-disciplinary programs that focus on reducing pain, improving mobility and helping you stay active and independent.
Personalised, confidential support delivered by phone or video to help you manage mental health concerns and build coping strategies.
Extra support for pregnancy, birth and life with a new baby, plus programs to help your family stay healthy and supported.
Targeted programs for conditions like diabetes and cancer, plus Weight & Wellbeing and other wellbeing support for eligible members.
Articles, recipes, tips and real member stories to help you stay healthy, use your cover with confidence and get more from your membership.
Plain-English guides on things like waiting periods, hospital vs extras, switching funds and how government rebates and loadings work.
Download product information, claim forms, guides and other documents you might need, all in one handy place.
Stay up to date with member news, wellbeing tips and important updates from Phoenix Health delivered straight to you.
Phoenix Health is a member-owned, not-for-profit health fund that has been supporting Australians for more than 70 years. We’re regulated under the Private Health Insurance Act and are proud signatories to the Private Health Insurance Code of Conduct, reinforcing our commitment to transparency, fairness and industry best practice.
We are Great Place to Work® certified, reflecting our strong workplace culture and commitment to supporting the people who support our members.
Phoenix Health is also a member of the Private Healthcare Australia (PHA) , the Members Health Fund Alliance (MHFA), and the Australian Health Service Alliance (ASHA) — demonstrating our commitment to high industry standards, collaboration, advocacy and delivering genuine member-first value.
Our mission is simple: to provide affordable, high-quality private health insurance with personal service, genuine care and a member-first approach in everything we do.