Private health insurance provides families with access to private hospitals, shorter waiting times for treatment, and a wider range of healthcare options that may not be available in the public system.

For families, private cover ensures:

~ Faster medical treatment – Avoid long public hospital waitlists for specialist care and elective procedures.

~ Coverage for essential services – Access dental, optical, physiotherapy, and mental health support to keep your family healthy.

~ Choice of healthcare providers – Pick your preferred doctors and specialists for better continuity of care.

~ Comprehensive protection – Includes emergency ambulance cover and private hospital accommodation for unexpected medical events.

Having family health cover means that both parents and children receive continuous, quality medical care without the stress.

Phoenix Health offers hospital and extras cover designed specifically for families, ensuring that every family member receives the care they need. Depending on the level of coverage you select, benefits may include:

~ Private hospital accommodation – Access to private rooms for greater comfort and privacy.

~ Elective surgery coverage – Reduce wait times for common procedures like tonsillectomies, grommets, and wisdom teeth removal.

~ Dental services – Preventative check-ups, orthodontics, fillings, and major dental work.

~ Optical care – Benefits for glasses, contact lenses, and eye health screenings.

~ Physiotherapy and chiropractic – Essential support for growing children, sports injuries, and rehabilitation.

~ Mental health and psychology services – Help your family manage stress, anxiety, and emotional well-being.

With Phoenix Health’s flexible hospital and extras options, you can tailor your family health insurance to match your budget and healthcare needs.

Yes, Phoenix Health’s family health insurance includes comprehensive ambulance cover, so your family is protected in case of an emergency.

Without ambulance cover, a single emergency trip can cost hundreds or even thousands of dollars, depending on the distance and type of transport required. Having emergency and non-emergency ambulance coverage means that your family can get immediate medical transport.

Waiting periods depend on the cover you choose. Generally, it’s 12 months for pre-existing conditions and shorter for extras services like dental and optical. Find out more about waiting periods.

Absolutely! Phoenix Health allows families to combine hospital and extras cover, ensuring your loved ones get comprehensive healthcare protection.

With hospital cover, your family has access to private hospital care, elective surgeries, and emergency treatments. Adding extras cover gives you benefits for everyday dental, optical, and allied health services that support your family’s ongoing well-being.

If you’re looking for the best family health insurance, Phoenix Health makes it easy to mix and match covers to create the most cost-effective and beneficial plan for your household.

The Medicare Levy Surcharge (MLS) applies to families with a combined taxable income over $194K per year who do not have private hospital cover. By taking out family health cover, you can avoid the additional tax surcharge. 

Most families find that having private hospital cover has benefits that go beyond simply avoiding this surcharge at tax time. Having comprehensive family cover provides valuable health protection for their loved ones when they need it most.

We provide six hospital covers and three extras covers across Basic, Bronze, Bronze Plus, and Silver Plus. Each tier includes different levels of coverage based on clinical categories. You can find out more about product tiers here.

Transferring your family health insurance to Phoenix Health is simple! Phoenix recognises waiting periods already served, meaning your family can start claiming benefits sooner. Your previous health insurance benefits also carry over meaning no loss of coverage when you switch. To switch your family’s private health cover, simply contact Phoenix Health, and we’ll take care of everything for you.