Hospital and Extras Health Insurance – Flexible & Affordable Cover

Hospital & Extras Health Insurance at Phoenix Health

Get covered with Hospital and Extras Cover that’s flexible and affordable.
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Cover that Gives You Peace of Mind

Finding the right hospital and extras cover is an important step in protecting your health and well-being. Whether you’re living independently, starting a new chapter, or simply looking for reliable health cover, Phoenix Health offers flexible options designed to suit your needs and budget.

With a choice of hospital cover, extras cover, or a combined plan, Phoenix Health ensures you have access to quality healthcare when you need it most. From dental and physiotherapy to private hospital treatments and specialist care, our plans are built to provide comprehensive protection and support for your health.

We make it simple and stress-free to compare hospital and extras cover, so you can confidently select the right health insurance for your lifestyle. With Phoenix Health, you’re supported by a trusted not-for-profit health fund that puts your health first.

Why Choose Phoenix Health for Hospital and Extras Health Insurance?

  • Flexible Extras Cover

    Choose from a range of extras options, including dental, physiotherapy, and optical, to suit your lifestyle and health needs.

  • Affordable Prices

    Access high-quality hospital and extras cover with competitive premiums, ensuring affordability without compromising on care.

  • Extensive Hospital Network

    Gain access to over 480 private hospitals right around Australia, giving you the choice to be treated as a private patient, avoiding public hospital wait times. Phoenix Health is a proud member of the Australian Health Services Alliance (ASHA)

  • Comprehensive Ambulance Cover

    All hospital covers include emergency and non-emergency ambulance services, ensuring you’re protected when you need urgent medical transport.

  • Hospital and Extras Cover Comparison

    Compare private health insurance plans with Phoenix Health’s six hospital and three extras covers. Whether you need basic protection or more comprehensive cover, you can mix and match to create a policy that fits your health needs and budget. You can combine available hospital cover with one of our 3 extras to suit you and your budget.

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Basic Accident Only Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Basic Accident Only Hospital & Healthy Flex Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Bronze Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Bronze Plus Essentials Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Bronze Hospital & Healthy Flex 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Bronze Plus Essentials Hospital & Healthy Flex 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Basic Accident Only Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
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Silver Plus Support Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Bronze Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Bronze Plus Essentials Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Support Hospital & Healthy Flex Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Support Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
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Silver Plus Advantage Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Advantage Hospital & Healthy Flex 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Advantage Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Family Hospital & Kick Start Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Family Hospital & Healthy Flex Extras 50
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE
Silver Plus Family Hospital & Value Extras 60
Phoenix Health Fund has been operating for over 65 years originally established for the employees of the Australian Steel Industry. Now open to all Australian’s the fund provides generous benefits with good old-fashioned service. As a not-for-profit insurer our core focus is our members’ and our commitment to reinvesting into services and benefits that support and improve the health outcome of our membership. Phoenix Health Fund is also proud to be a founder of Members Own Health Fund, whose purpose is to collectively represent the smaller not-for-profit health funds across the industry and support the reduction to member expenses and maximise member benefits.
SEE POLICY DETAILS
GET A QUOTE

Supporting Your Health

Selecting the right hospital and extras cover is about more than just choosing a policy—it’s about having the right support at every stage of your health journey. At Phoenix Health, we make it easy to find the cover that best fits your lifestyle, budget, and healthcare needs.

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 looking for private hospital access, extras benefits for ongoing care, or comprehensive coverage, Phoenix Health has a solution.

How Phoenix Health Supports You

  • Seamless Transfers – Already insured elsewhere? We recognise waiting periods already served, making it easy to switch.
  • Flexible Cover Choices – Customise your plan by combining hospital and extras cover to match your needs.
  • Beyond Hospital Visits – Extras cover provides dental, optical, physiotherapy, and more, helping you stay healthy all year round.
  • Ongoing Health & Wellness Support – As a Phoenix Health member, you’ll have access to Health Support Programs designed to help you stay active and informed about your well-being.

See what our members are saying—read real reviews for our members on ProductReview.com.au.

At Phoenix Health, we offer more than just a policy. We’re here to ensure you have the right hospital and extras cover to support your health journey—today and in the future.

Comprehensive Cover for Whatever Life Brings

Having hospital and extras cover means you can focus on living life without worrying about unexpected healthcare costs. Whether it’s a planned procedure, ongoing treatments, or everyday health services, Phoenix Health ensures you have access to quality care when you need it most.

From extras like physiotherapy and dental to private hospital cover for essential treatments, our flexible plans are designed to fit your needs and budget. Accidents and health concerns can arise at any time, but with Phoenix Health, you’re always prepared.

Take Advantage of Government Initiatives:

  • Lifetime Health Cover (LHC): Avoid long-term premium increases by securing hospital cover early.
  • 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.

With Phoenix Health, you can enjoy greater flexibility, security, and value—knowing your health is in good hands.

FAQs

  • What is Extras Cover?

    Extras cover provides benefits for non-hospital treatments that help maintain and improve your overall health. These services are not covered by Medicare but can be essential for preventative care, ongoing treatment, and maintaining well-being.

    Phoenix Health offers three levels of extras cover, allowing you to choose a plan that best suits your health needs and budget. Our best health insurance for extras includes benefits for:

    – Dental services – Check-ups, fillings, orthodontics, and major dental work

    – Optical care – Glasses, contact lenses, and eye health treatments

    – Physiotherapy and chiropractic services – Support for recovery and mobility

    – Remedial massage and osteopathy – Pain management and musculoskeletal health

    – Podiatry and acupuncture – Specialised care for foot and nerve-related conditions

    One of our extras cover options is also available as a standalone product, meaning you can access health support services without needing hospital cover.

    If you’re looking for the best health insurance for extras, Phoenix Health ensures you get the coverage you need for everyday health services.

  • What is Hospital Cover?

    Hospital cover helps pay for the cost of treatment when you’re admitted as a private patient in a hospital. This includes:

    – Private hospital accommodation

    – Medical procedures and surgeries

    – Rehabilitation and post-surgery recovery

    – Mental health and psychiatric care

    Phoenix Health offers six hospital cover options, ranging from Basic to Silver Plus, so you can select the right level of coverage for your healthcare needs and lifestyle. If you’re looking for basic hospital and extras cover, we provide affordable entry-level options that still offer essential health protection. To explore our best hospital and extras cover options, learn more about our hospital cover.

  • Can I mix and match Hospital and Extras Cover?

    Phoenix Health allows you to combine any of our hospital covers with any of our extras covers, giving you the flexibility to create a plan that fits your health needs and financial situation.

    For example, you might choose:

    – Basic hospital and extras cover – A budget-friendly option for essential protection

    – Silver Plus hospital cover with premium extras – Comprehensive coverage with enhanced benefits

    – Standalone extras cover – If you want access to dental, optical, and physiotherapy without hospital cover

    This flexibility makes Phoenix Health one of the best hospital and extras cover providers, ensuring you get the coverage you actually need.

  • What is Private Health Insurance, and why should I have it?

    Phoenix Health’s hospital and extras cover includes a wide range of medical and wellness services to support your health. Depending on the level of coverage you choose, your plan may include:

    – Hospital treatments and surgeries

    – Extras services like dental, optical, physiotherapy, and podiatry

    – Preventative healthcare and alternative therapies

    If you’re searching for the best hospital and extras cover, Phoenix Health provides comprehensive options that give you complete control over your healthcare.

  • Are ambulance services included in Hospital and Extras Cover?

    Yes! All Phoenix Health hospital and extras covers include comprehensive ambulance cover, protecting you for both emergency and non-emergency ambulance transport across Australia.

    Without ambulance cover, a single trip can cost hundreds or even thousands of dollars, depending on the distance and service required. Our health insurance with ambulance cover ensures that you’re never left with unexpected medical transport expenses.

  • What are the waiting periods for Hospital and Extras Cover?

    Waiting periods vary depending on the cover chosen. Generally, it’s 12 months for pre-existing conditions, with shorter waiting periods for extras like dental and optical.

    If you switch to Phoenix Health from another provider, any waiting periods you’ve already served will carry over, so you can access your benefits sooner. Learn more about waiting periods.

  • Can I have both private hospital and extras cover?

    Phoenix Health allows you to customise your health insurance plan by combining hospital and extras cover, so you get the best of both worlds.

    With hospital cover, you’re protected for private hospital treatments and specialist care. With extras cover, you gain access to ongoing health support like physiotherapy, dental care, and optical services.

    For those looking for the best hospital and extras cover, Phoenix Health provides flexible and affordable plans that help you stay covered—no matter what life brings.

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