Basic Accident Only Hospital provides you with the peace of mind that we’ll have your back in the event of an accident. It’s our entry level Hospital Cover, ideally suited to those that just want to be covered as a private patient in a private hospital if you ever need to be admitted as the result of an accident.
This section will take you through the details of Basic Accident Only Hospital, a snapshot of what’s covered (section 2.2), how your excess works (section 2.6) and adding on Extras to create your own package (section 2.8).
The table below gives you a brief overview of the services that are excluded (✘) and restricted (R) with Basic Accident Only Hospital cover.
While there are no included services, where you have been approved for Accident Cover benefits, we’ll waive the waiting periods for excluded services and you’ll be covered as a private patient in a private hospital.
For more detailed information about Basic Accident Only Hospital, download The Product Information Statement below, which includes an overview of all the clinical categories and services covered, as well as all the details about your excess and how it works, ambulance cover and more.
Download the Basic Accident Only Hospital Product Information Statement
Excluded | Restricted |
||
|---|---|---|---|
| ✘ | Assisted Reproductive Services | R | Hospital Psychiatric Services |
| ✘ | Back, Neck & Spine | R | Palliative Care |
| ✘ | Blood | R | Rehabilitation |
| ✘ | Bone, Joint & Muscle | ||
| ✘ | Brain & Nervous System | ||
| ✘ | Breast Surgery | ||
| ✘ | Cancer Treatment | ||
| ✘ | Cataracts | ||
| ✘ | Dental surgery | ||
| ✘ | Diabetes Management | ||
| ✘ | Digestive System | ||
| ✘ | Ear, Nose & Throat | ||
| ✘ | Eye (not Cataracts) | ||
| ✘ | Gastrointestinal Endoscopy | ||
| ✘ | Gynaecology | ||
| ✘ | Heart & Vascular system | ||
| ✘ | Hernia & Appendix | ||
| ✘ | Implantation of Hearing Devices | ||
| ✘ | Insulin Pumps | ||
| ✘ | Joint Reconstructions | ||
| ✘ | Joint Replacements | ||
| ✘ | Kidney & Bladder | ||
| ✘ | Lung & Chest | ||
| ✘ | Male Reproductive System | ||
| ✘ | Miscarriage & Term. of Pregnancy | ||
| ✘ | Renal Dialysis | ||
| ✘ | Pain Management (with device) | ||
| ✘ | Pain Management (without device) | ||
| ✘ | Plastic & Reconstructive Surgery | ||
| ✘ | Podiatric Surgery | ||
| ✘ | Pregnancy & Birth | ||
| ✘ | Skin | ||
| ✘ | Sleep Studies | ||
| ✘ | Tonsils, Adenoids & Grommets | ||
| ✘ | Weight Loss Surgery |
When it comes to Private Health Insurance, an accident is an injury that occurs unintentionally or unexpectedly that requires immediate treatment by a Doctor at a hospital. An accident can’t be attributed to medical causes.
If you’re ever in an accident, firstly make sure everyone is safe, then call 000 for an ambulance, or go to a hospital emergency department for treatment. We ask that you get in contact with us as soon as you are able so that we can guide you through the claiming process.
To be eligible to claim on your Basic Accident Only Hospital, you must report to an emergency facility within 24 hours of the injury and a Doctor’s report must be submitted to Phoenix Health along with any supporting documentation as requested.
You can read more about going to hospital as a result of an accident here.
Yes! All Phoenix Health Hospital covers include unlimited benefits for medically necessary ambulance treatment and transport across Australia you will have benefits for ambulance services.
So, should you need one, any eligible Ambulance claims you have will be covered in full and processed against your Phoenix Health Hospital cover.
| Medically necessary means on-site treatment or transport to your closest hospital or emergency department for treatment of an acute medical condition or accident. |
With Basic Accident Only Hospital a $750 Excess is payable on admission to hospital once per adult per calendar year, regardless of how many times you need to go to hospital. It’s always waived for dependants on your membership under the age of 25.
Basic Accident Only Hospital is available to the following membership types
- Single
- Couple
- Family
- Single Parent Extended Family
- Extended Family
Basic Accident Only Hospital can be combined with any one of our three open Extras covers
This means not only do you get a great value entry level of hospital cover, but you can also start getting money back on the stuff you use everyday day – like a trip to the dentist, a set of glasses, some physio or a massage.
We’ve made it super simple to take out a cover with Phoenix Health. Just click the button below and you’ll be taken to our quoting system.
