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 around for over 65 years, providing personal health insurance, available to all Australians. We’re owned by members, run by members for the benefit of our members which means we invest back into providing more in benefits – not 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

We’re ending the ‘swipe and hope!’ With set percentage benefits on our Extras covers, you can be confident in knowing how much you’ll get back for a treatment when you swipe your card.

Your preferred provider Your preferred provider is ours too

When it comes to our health, who treats us is a personal decision and we believe you should get generous benefits no matter who you see. So, instead of a preferred provider network, 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 as a part our amazing General Dental limits, on all of our current levels of Extras covers. Plus, you can still go to the Dentist of your choice – what’s not to love!#

Ambulance Cover Ambulance Cover… because accidents happen

We get that sometimes accidents happen, and that’s why we cover Ambulance treatment and transport where medically necessary, Australia-wide – so you’re ready to expect the unexpected.*

Benefits Australia-wide Benefits anywhere in Australia

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.

Shop.Save.Support Member Perks

Get even more value from your membership with access to exclusive member discounts and special offers with your Member Perks – all included with your Phoenix Health membership at no additional cost.


Benefits are payable at registered providers only.
*One (1) day waiting period applies to emergency and non-emergency Ambulance cover. Medically necessary means on-site treatment or transport to your closest hospital or emergency department for treatment of an acute medical condition or accident.
#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.