Phoenix’s Gold Value Combined 500 cover offers those looking for comprehensive hospital benefits, just like within our Top Cover or Top Hospital policies, but with the affordable option of an added excess.
Coupled with the hospital cover, Gold Value Combined 500 cover also offers an intermediate level of Extras to help support the healthy and health conscious needs of individuals.
Inclusions in the hospital cover
|Assisted reproductive services||Yes|
|Back neck and spine||Yes|
|Bone, joint and muscle||Yes|
|Brain and nervous system||Yes|
|Breast surgery (medically necessary)||Yes|
|Chemotherapy, radiotherapy and immunotherapy for cancer||Yes|
|Diabetes management (excluding insulin pumps)||Yes|
|Dialysis for chronic kidney failure||Yes|
|Ear, nose and throat||Yes|
|Eye (not cataracts)||Yes|
|Heart and vascular system||Yes|
|Hernia and appendix||Yes|
|Hospital psychiatric services||Yes|
|Implantation of hearing devices||Yes|
|Kidney and bladder||Yes|
|Lung and chest||Yes|
|Male reproductive system||Yes|
|Miscarriage and termination of pregnancy||Yes|
|Pain management with device||Yes|
|Plastic and reconstructive surgery (medically necessary)||Yes|
|Podiatric surgery (provided by a registered podiatric surgeon – limited benefits)||Yes|
|Pregnancy and birth||Yes|
|Tonsils, adenoids and grommets||Yes|
|Weight loss surgery||Yes|
For hospital services to which Phoenix Health Fund provides coverage, Gold Value Combined 500 provides coverage for:
- Private and public hospital services nationwide (after the up-front excess has been paid) with access to an extensive range of quality services and approved programs in private hospitals which have an agreement with Phoenix Health Fund.
- Public or Private Hospital bed – shared or private room (if available)
- Same day patient fees
- Theatre fees
- Intensive care
- Labour ward
- In hospital pharmacy
- Prosthesis (Commonwealth Government approved)
- All other in-patient services where a Medicare benefit is payable (not listed as an exclusion in the table above)
Additional costs you may incur are:
- The amount the doctor charges above the Medicare schedule fee or “Access Gap” cover amount
- some drugs, pharmacy items and non-PBS drugs for personal use or on discharge; and possibly
- a co-payment for prostheses devices above the minimum benefit.
- There are a small number of public hospitals that do not have agreements with us. In these cases a personal payment may apply.
If you are admitted to a hospital you will pay an up-front excess of hospital costs until you have reached your excess maximum of $500 per person within a calendar year (1st January through to 31st December).
The excess is applied as follows:
- An excess of $500 per adult applies to day or overnight admissions in a private or public hospital
- The maximum excess per family membership is $1000
- The excess is waived for all dependant children/adult on family/sole parent policies
Medical Gap cover
Phoenix Health Fund, as a member of the Australian Health Service Alliance, has “Access Gap” arrangements with more than 15,000 doctors Australia-wide. These arrangements minimise or eliminate Members’ out-of-pocket expenses when our Members are treated as admitted hospital patients.
If your doctor participates in the “Access Gap” scheme, you will either have no out-of-pocket expenses to pay or will know exactly how much you will have to pay before treatment begins. Your doctor can bill Phoenix Health Fund direct, so in most cases you will not be required to lodge a claim with us, making it easier for you.
To check whether your doctor participates in “Access Gap”, use our Doctor Search facility, or ask your doctor.
Inclusions in the extras cover
Unless otherwise stated, benefit limits apply per person per calendar year.
Please also note that this page does not include the full detail of all services covered, and that sublimits apply for some services. It is recommended that you either check your Online Member Services or contact us before your treatment to check exactly what you are covered for.
|Treatment||Benefit (for commonly claimed items)||Annual Limit|
|Periodic oral examination – $35.00
Scale & clean – $68.00
Fluoride treatment – $24.00
Surgical tooth extraction – $150.00
Full crown veneered – $800.00
Filling of one root canal – $170.00
|Orthodontic||Braces for upper/lower teeth – 80% of charge
Removal/ fitting of retainer – 80% of charge
|$1,200 life limit|
Excluded: Sunglasses, where no sight correction is needed
|Single vision lenses & frames – $210.00
Multi-focal lenses & frames – $240.00
Frame – $100.00
Single Vision Lenses – $110.00
Multifocal Lenses – $210.00
|Non PBS Pharmaceuticals
Excluded: contraceptives and items purchased over the counter
|Per eligible prescription – $70.00
(Paid after General PBS copayment has been paid)
|Chiro/Osteo Initial visit – $40.00
Chiro/Osteo Subsequent visit – $30.00
Acupuncture visits- $25.00
|Physiotherapy Initial visit – $50.00
Physiotherapy Subsequent visit – $37.00
Orthoptic Therapy Initial visit – $45.00
Orthoptic Therapy Subsequent visit – $44.00
Speech Therapy Initial visit – $85.00
Speech Therapy Subsequent visit – $45.00
Occupational Therapy Initial visit – $60.00
Occupational Therapy Subsequent visit – $40.00
Including Myotherapy, Homeopathy, Naturopathy and Chinese Herbal Medicine (consultation only)Remedial massage* Benefits paid for approved alternative therapy associations only.
Click here for approved alternative therapy services.
|Natural Therapies visits – $25.00
Remedial Massage visits – $25.00
* Benefits paid for registered DAA Dieticians only
|Initial visit – $60.00
Subsequent visit – $40.00
|Podiatry||Initial visit – $44.00
Subsequent visit – $34.00
Podiatric devices – 80% of cost
* Benefits paid for registered clinical psychologists only)Hypnotherapy
* Benefits paid for registered clinical hypnotherapists only
|Psychology visits – $75.00
Hypnotherapy visit – $50.00
|Healthy Lifestyle Program
(Approved Health Education, Health Screening, Health Management programs and Exercise Physiology. Please contact the fund before you make a claim to check that the service provided is an approved program. Click here for more information
|Exercise Physiology visits – $30
All other services – 80% of charge
|Aids and Appliances||80% of charge
(after $20 copayment is made)
*Single travel benefit payable for patient
|Travel expenses incurred while being admitted into or visiting hospital for patient and/or one attendant.
*benefit is equivalent of economy rail fare for distance travelled or 10c per kilometre. Combined benefit patient and attendant.
Phoenix Health Fund covers all medically necessary transport from a State Emergency Ambulance service. This also includes when an Ambulance is called to attend to you, but you do not subsequently need to be taken to hospital. Coverage is not offered when it is not medically necessary for you to be transported by an Ambulance.
Gold Value Combined 500 waiting periods
- 12 month waiting periods for Pregnancy and birth related services
- 12 month waiting periods for assisted reproductive services
- 12 month waiting periods for pre-existing conditions
- 2 month waiting periods for all other hospital items
- 2 month waits for General Dental and Endodontic dental procedures/claims
- 12 month waits for Major Dental and Orthodontic dental procedures/claims
- 6 month waits for Optical claims
- 2 month waits for all other extras items
For the complete description of the Fund rules, relating this product, please refer to the General Information section on our website.
Please ensure you have read and retained the information relating to your policy of choice before applying for membership.