Find out why Phoenix Health is
known for truly personal health insurance

What is Health Insurance?

Health insurance helps cover the cost of medical treatment and services in Australia above what Medicare pays.

There are two major components of health insurance and depending the cover you choose, it can help pay for the cost of treatment while you’re admitted to hospital or help put money back in your pocket on things like dental check-ups, physio appointments and more.

What are the different types of Health Insurance?

There’s two types of health insurance and you can choose to have one or the other or both. For benefits while admitted to hospital, you’ll need to have hospital cover. And, to get money back on maintaining your wellbeing on an everyday basis, you’ll need extras cover.

How does Health Insurance work?

Hospital cover provides benefits to help pay for things like your medical treatment and hospital accommodation whilst admitted to hospital. It gives you more choice and flexibility in choosing who treats you, where you’re treated and can even help you skip public hospital waiting lists.

Extras cover provides benefits towards services to help cover the everyday costs of looking after your health, including things like dental, optical and physiotherapy.

Is there an excess on Health Insurance?

You can choose to have an excess on the hospital cover component of your health insurance. An excess is the amount you agree to pay towards your treatment if you’re admitted to hospital and helps reduce the cost of your hospital cover. With Phoenix Health Insurance, you only pay this once per person, per year regardless of how many times you need to go to hospital, and we also waive the excess for dependants under the age of 25 on your membership on all our health insurance products.

What doesn’t Health Insurance Cover?

When you take out health insurance, you’ll receive a list of benefits and services that are and aren’t included with your cover so you’ll know what you can and can’t claim for. With hospital cover, there’s a few things that your health insurance won’t cover regardless, including treatment when you’re not admitted to hospital, in an emergency department and for things that Medicare doesn’t cover. If you’re ever in doubt, give us a call – it’s what we’re here for!

Why should I take out Health Insurance?

Everyone has their own reason to take out and keep private health insurance, one big reason is peace of mind. If the unexpected happens you can feel confident knowing that you have options – the choice and flexibility of who treats you, where you’re treated and often when you’ll be treated.

Life changes can be another reason to take out or review your health insurance – if your needs are changing or you’re looking to start or grow your family, taking out cover now can mean you’re ready to claim when the time comes. Finally, taking out hospital cover can also make financial sense and it can help you lock in government discounts and avoid loadings and surcharges.

How do I choose the right Health Insurance product?

Making a decision about health insurance can feel overwhelming but it doesn’t need to be. The first step is workout out what you want from your cover both now and in the future; maybe you want health insurance to offset the everyday costs of things like physio appointments and dental check-ups or you’re looking to start a family in the near future and want health insurance so you can go to a private hospital?

Our team will step you through the process of finding a health insurance cover that’s the perfect fit, or if you’d prefer, jump online and our easy to use comparison tool can guide you through and even show you how our benefits stack up against other health insurance policies in the market.

Why choose Phoenix Health Insurance?

There’s nothing more personal than your health, which is why when it comes to choosing a health fund to trust with your wellbeing it makes sense that you’d want a fund whose focus is on providing their members with health insurance that has real value and personal service.

At Phoenix Health this is what we love to do; we’re also a not-for-profit health insurance fund which means we return more than the industry average back to our members in benefits. But you don’t have to take our word for it, check out what other members have to say at ProductReviews

Other Benefits to taking out Health Insurance with Phoenix Health

At Phoenix Health, we aim to give you real value everyday and believe that health insurance shouldn’t just be for when you’re not well. Supporting you and your health journey through all stages of life is what we’re here for – and our “Members Only” health & wellbeing app, Nala is just one way we’re there for you.

We’re also excited to help you put money back in your pocket everyday with the Phoenix Health Rewards program – available exclusively to members that hold health insurance with Phoenix Health, you get access to discounts on everything from groceries and pharmacy items to white goods to holidays and more!

Are there waiting periods with Health Insurance?

To give you a quick answer, in most cases yes. Waiting periods vary based on the treatments and benefits included on your health insurance policy and range from two to 12 months. We can run through these with you and let you know when they finish so you can make the most of your health insurance as quickly as possible.

However, if you’re switching your health insurance from another fund any waiting periods that you’ve already served will switch with you!