Phoenix Health Fund
Kick Start Extras 50
Phoenix Health Fund
How $61.89 is worked out
- Premium as filed - $81.56 a month
- Government rebate - 24.1% of the premium (never of the loading): -$19.67
- A month - $61.89
Go to insurer no commission on this policy
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 | $500 per person a year |
| Prescriptions not on the PBS | 2 months | Prescription: 50% back | $200 per person a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: 50% back | $400 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $400 per person a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: 50% back | $200 per person a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Glasses and contact lenses, Podiatry, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy.
* 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 General Dental limits.
Other services, as filed: *$200 sublimit for Physiotherapy/ Myotherapy & Exercise Physiology; $200 sublimit for Chiropractic, Osteopathy & Remedial Massage; up to overall combined limit of $400. *Non PBS Pharmaceuticals benefit applies after PBS co-payment is applied.
Ambulance
Emergency and non-emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. Emergency limit $1,000 per person a year.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $81.56 |
| NSW | My family | None | $81.56 |
| NSW | Just me | None | $40.78 |
| NSW | Me and my children | None | $81.56 |
| NT | Me and my partner | None | $81.56 |
| NT | My family | None | $81.56 |
| NT | Just me | None | $40.78 |
| NT | Me and my children | None | $81.56 |
| QLD | Me and my partner | None | $81.56 |
| QLD | My family | None | $81.56 |
| QLD | Just me | None | $40.78 |
| QLD | Me and my children | None | $81.56 |
| SA | Me and my partner | None | $81.56 |
| SA | My family | None | $81.56 |
| SA | Just me | None | $40.78 |
| SA | Me and my children | None | $81.56 |
| TAS | Me and my partner | None | $81.56 |
| TAS | My family | None | $81.56 |
| TAS | Just me | None | $40.78 |
| TAS | Me and my children | None | $81.56 |
| VIC | Me and my partner | None | $81.56 |
| VIC | My family | None | $81.56 |
| VIC | Just me | None | $40.78 |
| VIC | Me and my children | None | $81.56 |
| WA | Me and my partner | None | $81.56 |
| WA | My family | None | $81.56 |
| WA | Just me | None | $40.78 |
| WA | Me and my children | None | $81.56 |
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 E50/NGWW20, 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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