Phoenix Health Fund has a level of cover to suit you

Phoenix is proudly owned by members – run by members – for the benefit of members, so we understand how important quality, easy to understand cover is.

We’ve designed each of our covers to meet the needs of all members, no matter which life stage you are in.

Hospital Cover

Hospital Cover provides benefits to help pay towards the cost of treatment you receive whilst admitted into hospital.

Extras Cover

Extras Cover provides benefits to help pay towards the costs of ancillary services like dental, optical, physio and more.

Gap Free DentalGap Free Dental

Combined Hospital & Extras Packages

You can mix and match Hospital and Extras covers to create a policy that suits your needs, or you can choose one of our Combined Hospital & Extras Packages.

These packages have been designed to package together services that members commonly claim and want to be covered for.

Phoenix Health Covers


Gold Top Hospital
Silver Plus Essentials Hospital
Bronze Plus Mid Hospital
Bronze Plus Starter Hospital


Available for purchase together with Phoenix Hospital cover:

Top Extras
Mid Extras
Base Extras

Available for purchase together with Phoenix Hospital cover, or by itself as a standalone cover:

First Start Extras


Gold Value Combined
Bronze Plus YoungSavers

If you would like to learn more about our levels of cover, you can get a quick quote or Contact Us today.

* Gap free dental services include but are not limited to oral examinations, scale and cleans and fissure seals. For a full list of eligible item numbers see individual product information sheets or contact the Phoenix Health team.