Save money with the age-based discount

You’re already enjoying the benefits of Phoenix Health extras cover and while you’re still under 30, now is a great time to check out the value and benefits of Phoenix Health hospital cover.

Explore our hospital cover with our easy to use DIY tool above, then upgrade your cover online or let us do the hard work for you by emailing Once you’ve chosen your hospital cover, we’ll be in touch to lock in and confirm your discount.

Here’s a few reasons to consider Phoenix Health hospital cover…

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Save money now

For every year you’re under 30, you’re eligible for a 2% discount on the hospital component of your contributions, up to a maximum of 10% with the Age-Based Discount.

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Avoid loadings later

By taking out hospital cover before your 30s, you’ll avoid paying more for your cover later, lock in your Age-Based Discount and even possibly save by avoiding the Medicare Levy Surcharge.

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Invest in your health

Hospital cover can provide benefits for procedures commonly claimed by people your age as well as accidents, and non-emergency ambulance transport for any of life’s mishaps.*

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Why get hospital cover?

We get it, health insurance can be confusing, but we’re confident your future self will thank you for investing in your health and wellbeing now. Take a closer look at how the discounts and loadings work and why you should consider hospital cover.

Why have hospital cover

Making the most of your cover

Hospital cover is important but so is the extras cover you already have. We always want you to get the most from your membership which is why we’ve compiled these easy tips to make the most of your current extras cover.

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* Benefits, limits and waiting periods may apply. See individual cover information sheets for more information.