Our Mission

We’re for members, not for profits. Providing you with access to our range of affordable and quality health insurance with personalised service is what we do best.


30-day Cooling Off Period

We’re confident you’ll love Phoenix Health but want you to be 100% comfortable. If you change your mind, you have 30-days to cancel with no strings attached.

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One of the Best Rated Health Insurance Funds in Australia as reviewed by most trusted review website in Australia.

Members get more with Phoenix Health


We’re Member Owned

We’ve been around for over 65 years, providing personal health insurance, available to all Australians. We’re owned by members, run by members for the benefit of our members which means we invest back into providing more in benefits – not into shareholders’ pockets.


Swipe with Confidence

We’re ending the ‘swipe and hope!’ With set percentage benefits on our Extras covers, you can be confident in knowing how much you’ll get back for a treatment when you swipe your card.


Your preferred provider is ours too

When it comes to our health, who treats us is a personal decision and we believe you should get generous benefits no matter who you see. So, instead of a preferred provider network, you’re free to be treated by whoever you choose and still get the same great benefits.


Australia-wide Benefits

Our Hospital Cover includes Australia-wide coverage with access to over 550 private hospitals, 36,000 Access Gap Doctors and ambulance cover. So, no matter where you are in Australia, we’ve got you covered.

Frequently Asked Questions

Everyone has their own reason to take out and maintain private health insurance, with a major one being for peace of mind. If the unexpected happens you can feel confident in knowing that you have choices – you have the choice and flexibility in choosing who treats you, where you’re treated and often where you’ll be treated.

By taking out Private Hospital Cover, as well as getting a choice in your treatment, you may be able to reduce the length of time you might have to wait to be treated in the public system. You’ll also avoid possible Government penalties like the Medicare Levy Surcharge or Lifetime Health Cover Loading.

Phoenix Health Extras Cover helps to cover the cost of services you receive outside of a hospital admission, that aren’t claimable through Medicare. Benefits are available for services like dental, optical, physiotherapy and more – things that keep you healthy on a day-to-day basis.

As long as they are listed on your policy, your children are automatically covered under your family cover until the day before they turn 21.

After they turn 21, if they are studying full time, you can register them with Phoenix Health as a Student Dependant and they’ll continue to be covered on your membership for no extra cost until their 25th birthday, or until they are no longer studying full time – whichever comes first.

If your dependant is over 21 and not studying full time, they can remain covered under your Phoenix Health membership, by upgrading to Extended Dependant cover, for an additional cost. Extended Dependant cover is available on most levels of cover (except Extras only policies) – get in touch with the Phoenix Health team for a quote and to find out if your cover is eligible.

Yes we are and proud of it too!

Members Health Fund Alliance is the peak industry body, and Australia’s largest voice for not-for-profit, member-owned, regional and community-based health insurers. Phoenix Health are one of the 27 Members Health Funds, who represent over 3 million Australians, and stand for the same objective – to put the health of their members before profits.

Check out more about MHFA here.

At Phoenix Health Fund, we provide you with several easy options for making a claim including:

    • At the time of your treatment using your Phoenix Health Membership card –swipe your Phoenix Health card through the provider’s HICAPS or CSC HealthPoint terminal at the time of your visit;
    • Mobile Claiming app – forgot to take your Phoenix Health card with you to your appointment or couldn’t claim on the spot? Download the Phoenix Health app, take a photo of your receipts and submit along with any supporting documents (if required) for assessment; or

Email – print a claim form, complete, then scan and email with your receipts and any supporting documents to [email protected];

Learn more about how to claim here.

As a new member to private health insurance, there are some waiting periods you need to serve before you are eligible to claim benefits. These range from 2 months up to 12 months, depending on the service.

New members switching to Phoenix Health and current Phoenix Health members who upgrade their cover will not have to re-serve the waiting periods they have already served. Waiting periods however will apply where they haven’t already been fully served, and to any upgrade in services, benefits and excess/co-payments applicable.

Learn more about the waiting periods that may apply when joining Phoenix Health or upgrading your cover, by visiting our Waiting Periods page or get in touch with us for more information.

~ Terms & Conditions: $150 Digital Gift Card joining offer

  1. These Terms and Conditions apply to Phoenix Health Fund’s ‘$150 Digital Gift Card Join Offer’ promotion. Instructions on how to enter and win prizes form part of these conditions of entry.
  2. The Promoter is Phoenix Health Fund ABN 93 000 124 863 of 1/4 Honeysuckle Drive, Newcastle NSW 2300. Phone 1800 028 817.
  3. Entry into this promotion is deemed acceptance of these Terms and Conditions. To the extent of any inconsistency between these Terms and Conditions and any other reference to this promotion, these Terms and Conditions will prevail.
  4. The offer is open from 12 July 2022 and closes at 11.59pm (AEST) on 31 July 2022. The new policy must have a commencement date on or after the promotion start date to be eligible, any applications received after 11.59pm on 31 July 2022 may not be eligible for the offer.
  5. The offer is available to new members who join directly through Phoenix Health Fund (i.e., via the Phoenix Health website, or over the phone with a Phoenix Health Team Member) and who purchase an eligible Combined Hospital and Extras policy within the promotional period.
  6. A New Member is defined as a Member who has not previously been a Member of Phoenix Health, or who has not been a Member of Phoenix Health for at least six (6) months prior to re-joining the Fund. This includes any spouse/partner or dependants on their policy.
  7. The offer is not open to current members of Phoenix Health. Any ex-Phoenix Health members (including spouse/partner or dependant) who re-join the Fund within six (6) months of the date of the cancellation of their prior policy, will not be eligible to claim this offer.
  8. The promotion is not available to Phoenix Health Fund staff, immediate family, or Board Members.
  9. The $150 digital gift card will be emailed to the new Member approximately six (6) weeks after the application’s nominated policy commencement date, at which time the New Member’s policy status must be deemed Financial.
  10. Gift Cards will be sent to the Policy Holder on the Membership and delivered via email to the email address listed on the Membership. Phoenix Health is not liable for lost, damaged or stolen Gift Cards and will not replace any Gift Cards in the event of loss, damage, theft or expiry.
  11. ‘$150 Digital Gift Card Join Offer’ promotion is not valid with any other offer or promotion.
  12. Limit of one (1) Gift Card per New Member during their lifetime.
  13. Phoenix Health reserves the right to deduct an amount equivalent to the value of the Gift Card from the New Member, should they cancel their policy within six (6) months of joining or re-joining.
  14. Phoenix Health reserves the right to recover the value of the Gift Card should the New Member or Membership be suspended or cancelled by Phoenix Health within the first three (3) months of the commencement of the policy.
  15. Phoenix Health have the right to amend these Terms and Conditions and may from time-to-time substitute or amend the reward for this promotion. Phoenix Health reserves the right to cancel this promotion at any time, without notice.
  16. This promotion is only applicable to policies purchased directly from Phoenix Health. The Promotion is not available for policies purchased from third party sellers, aggregators or brands.
  17. These Terms and Conditions were reviewed and updated by Phoenix Health on 12 July 2022.


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