All Phoenix Health hospital covers are designed with you in mind; so your cover will always be the perfect fit and you won’t end up paying for a heap of services you don’t need.

The choice to take out and maintain hospital cover is a big deal and person decision. Here’s a few common reasons other members decide to have hospital cover.

1. Access discounts and avoid loadings

To make taking out and maintaining cover as affordable as possible, all available Phoenix Health Hospital covers are eligible for the Age-Based Discount for members under 30. Our hospital covers can also help you avoid the Medicare Levy Surcharge and the Lifetime Health Cover loading.

2. Skip public hospital waiting lists

Hospital cover can you help you avoid public hospital waiting lists, give you the choice of doctor throughout your hospital journey and even give you the privacy of your own room while admitted to hospital, where available.

Plus, with our Health Management Programs like Rehab at Home we can even help you get home from hospital sooner and recover in the comfort of your own home.

3. Get more choice over your treatment

When you’re admitted to a hospital as a Private Patient you have the choice of doctor, surgeon and even hospital. You also have more control over when and where you have your procedure and will be treated by the same doctor throughout your hospital journey.

4. You’re planning on starting or growing a family

While you might not be ready to hear the pitter patter of tiny feet just yet, starting a family is an exciting time and there’s lots to think about. If this is something you can see in your future, taking out the appropriate level of cover now means you can serve your waiting periods and be eligible to claim by the time you’re ready to do so.

You’ll also receive free access to the Phoenix Health Hatchling Support Program to support you from the time you learn you’re expecting through to the first two months of your baby’s life.

5. Life can be unpredictable

It sounds cliché but a little peace of mind is never a bad thing. If you’re someone who likes to have all their bases covered and feels a sense of calm knowing you’re ready for whatever life throws at you, then Phoenix Health hospital cover is a great way to achieve peace of mind.

You also get the freedom of choice; if you do have to be admitted to hospital, then it’s your choice to be treated as a private or public patient, your choice of doctor and you can even when and we’re your treated.

With Phoenix Health hospital cover not only can you be covered for all the things you’ve got planned in life but also have confidence knowing you’re covered for things you haven’t, like accidents.1

What sets our Hospital cover apart from the rest?

Not all hospital cover policies are created equal but at Phoenix Health, all our covers are designed with you in mind. We get that your needs and lifestyle change from time-to-time which is why we have made it easy to compare your existing cover with the full range of available Phoenix Health covers online. This means your hospital cover will always be your perfect fit and you won’t end up paying for a heap of services you don’t want.

All available Phoenix Health Hospital covers provide access to over 550 private hospitals and 36,000 Access Gap Doctors Australia wide, include unlimited cover for all medically necessary ambulance treatment and transport.2

Finally, all available Phoenix Health Hospital covers offer the choice of three levels of excess; $250, $500 and $750, to give you more control over your membership. To save on your premiums without compromising on your level of cover, simply select a higher level of excess. And because we know you’ve got enough to worry about when your kids are unwell, we always waive the Excess and Co-payments for dependant children.

Click here to view the full range of Phoenix Health Hospital covers or give our Member Service Team a buzz on 1800 028 817 to find a hospital cover that’s right for you.


Benefits, limits and waiting periods may apply. The above information applies to Phoenix Health Hospital covers available for purchase as at 1 March 2022. For more information about available covers and included benefits, see individual cover information sheets.
1See the Phoenix Health Member Guide or contact the Phoenix Health Team for more information.
2Medically necessary means on-site treatment to your closest hospital or emergency department for treatment of an acute medical condition. A waiting period of 1 day applies to Ambulance cover.