Accidents happen, and when they do, you want to be sure that you can access the medical care you need without unnecessary delays. Phoenix Health Accident Cover helps you get faster treatment by waiving hospital waiting periods for injuries resulting from an accident, regardless of whether your hospital cover includes the treatment you need or not.

Accident Cover is available on all levels of Phoenix Health Hospital Cover towards excluded services and also on Basic Accident Only Cover.

What is an Accident?

When it comes to Private Health Insurance, an accident is an injury that occurs unintentionally or unexpectedly that requires immediate treatment by a Doctor at a hospital. An accident can’t be attributed to medical causes.

What Does Accident Cover Mean in Private Health Insurance?

With Phoenix Health Accident Cover, if you sustain an injury from an accident and require hospital treatment, we’ll:

• Waive your waiting periods for any excluded services and you’ll be covered as a private patient in a private hospital for your admission, so you can receive the treatment you need as soon as you need it. 
• Provide coverage for treatment as a private patient in a private hospital, regardless of the level of hospital cover you hold
  
• Ensure faster access to care, avoiding long wait times in the public system.

Please note however, it’s important to understand that not all accident-related injuries are eligible to be covered under your private health insurance. To learn more about Accidents, what is and isn’t covered and how to claim, click here. 

How does Accident Cover benefit you?

Accident Cover with Phoenix Health provides you with the security of knowing that you won’t have to wait for hospital treatment if an accident occurs, even if it’s an excluded service on your cover. Accident Cover is particularly valuable for:

• Members who have exclusions on their Hospital Cover, because they don’t necessarily need cover for them, but still want the peace of mind that they’ll be covered in the event of an accident.
• Active individuals who may be at higher risk of unexpected injuries. 
• Families with children who want fast access to hospital care in case of an accident.
• Anyone looking for private hospital access without waiting periods in case of an unexpected injury.

Accident Cover ensures that if you need hospital treatment after an injury, you won’t have to wait out standard waiting periods. It does not replace third party general accident insurances, WorkCover, or other schemes; but it provides peace of mind that you can access private hospital care faster when you need it most.

Choosing the right cover isn’t just about finding a health insurance policy—it’s about having the right support when you need it most. At Phoenix Health, we’re committed to making health insurance simple, accessible, and stress-free, so you can focus on what matters most—your health and recovery.

With over 70 years of experience, we understand the importance of comparing private health insurance options and choosing a plan that works for you. Whether you’re switching from another provider, managing waiting periods, or looking for the best accident cover, Phoenix Health makes the process straightforward.

How Phoenix Health Supports You:

• Seamless Transfers – Already insured with another health fund? We recognise waiting periods already served, so switching is easy
  
• Customisable Cover Choices – Mix and match hospital and extras cover to create a policy that fits your needs and budget
  
• More Than Just Hospital Cover – Our Extras cover includes cover for services like dental, physiotherapy, and optical – keeping you covered beyond hospital stays
  
• Ongoing Health & Wellness Support – Access Health Support Programs to help manage chronic conditions, recover from injuries, and stay proactive with your health.

Protecting You When the Unexpected Happens

Accidents by nature are unpredictable, but with Phoenix Health Accident Cover, you can feel confident knowing you’re protected when the unexpected happens and ensures you’ll receive the care you need without financial stress.

From Extras like physiotherapy and dental to private Hospital Cover for essential treatments, our plans are designed to provide security and flexibility. Accidents can happen at any time, but with Phoenix Health, you’re always prepared.

Take Advantage of Government Initiatives:

• Lifetime Health Cover (LHC): Secure hospital cover early and avoid long-term premium surcharges.
  
• Medicare Levy Surcharge (MLS): If you earn over $97K as a single or 194K as a couple or family, maintaining private hospital cover can help you avoid this additional tax surcharge.
  
• Age-Based Discount (ABD): If you’re under 30, you could receive up to 10% off hospital cover, with the discount locked in until you turn 40.