Phoenix Health Fund
Bronze Plus Essentials Hospital 750 & Value Extras 60
Phoenix Health Fund
How $171.74 is worked out
- Premium as filed - $226.33 a month (hospital share $125.55)
- Government rebate - 24.1% of the premium (never of the loading): -$54.59
- A month - $171.74
Go to insurer no commission on this policy
Hospital: what is covered
Covered (21)
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Skin
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (14)
- Assisted reproductive services
- Back, neck and spine
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Bronze Plus
- Hospital - Private hospital, or a shared room in a public hospital
- Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $750 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Phoenix Health Hospital Cover features include... *Access Gap – Where your Doctor agrees to participate in our Access Gap Program, you can eliminate or reduce your out-of-pocket costs that you may have otherwise incurred towards your hospital procedure. *Hospital Care Programs – supporting you beyond a hospitalisation, you have access to programs designed to support your health and wellbeing before and after a hospital admission. *Full Ambulance Cover – medically required emergency and non-emergency Ambulance treatment and transport is covered on all of our Hospital Covers, Australia-wide.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 100% back; Scale and clean (item 114): 100% back; Fluoride treatment (item 121): 100% back | $900 per policy a year |
| Major dental | 12 months | Tooth extraction (item 322): 60% back; Crown (item 615): 60% back | $800 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 60% back | $800 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 60% back | $800 per policy a year, $2,100 lifetime |
| Glasses and contact lenses | 6 months | Single vision glasses: 60% back; Multifocal glasses: 60% back | $250 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: 60% back | $250 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $800 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $800 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 60% back; Follow-up visit: 60% back | $300 per policy a year |
| Psychology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $600 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year |
| Blood glucose monitors | 12 months | Blood: 60% back | $600 per policy a year |
| Dietitian | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $800 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: 60% back; Follow-up visit: 60% back | $600 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: 60% back | $200 per policy a year (shared with other services) |
| Occupational therapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $600 per policy a year (shared with other services) |
| Orthotics | 2 months | Benefit: 60% back | $200 per policy a year |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $800 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $600 per policy a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: 60% back | $250 per policy a year (shared with other services) |
Not covered: Hearing aids, Audiology, Antenatal and postnatal, Chinese herbal medicine, Home nursing.
* 100% benefit available on preventative dental services– includes items 012, 013, 111, 114, 115, 121, 161. Claimable once per appointment, up to twice per person per calendar year, up to annual limits.
Other services, as filed: *$400 sublimit for Physiotherapy/ Myotherapy & Exercise Physiology; $400 sublimit for Chiropractic & Osteopathy; up to overall combined limit of $800. *$200 sublimit per modality for Mental Health (including Psychology & Counselling), Speech Therapy, Eye Therapy, Occupational Therapy; up to overall combined limit of $600. *Aids to Recovery (including Blood Glucose monitors) have a sublimit of $200 per item, up to overall limit of $600 every 2 years. *Non PBS Pharmacy benefit applies after PBS co-payment applied.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Tasmania
Phoenix Health Fund has agreements with 14 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Devonport Eye Hospital - Devonport (day hospital)
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Private Hospital - Hobart
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- North Tas Day Hospital - Launceston (day hospital)
- North West Private Hospital (Tas) - Burnie
- Specialist Care Australia Launceston - Launceston (day hospital)
- Specialist Care Australia Ulverstone - Ulverstone (day hospital)
- Tasmanian Digestive Centre - Devonport (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
82.5% is the Commonwealth Ombudsman's figure for Phoenix in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement SSV6/NUZC10, filed by Phoenix Health Fund Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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