Phoenix Health insurance

Is it a good health insurer?

Phoenix Health has 6 hospital policies and 1 extras policy in our comparison, from $97.56 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Phoenix Health Fund Limited. Hospital, extras or both.

Explore 6 hospital products and 1 extras product, or find cover by treatment. Sources for Phoenix Health

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 27 October 2026 · Prices effective 14 September 2026

I need cover for…

Compare cover across all Australian health funds.

Phoenix Health cover: the main choices.

For sleep studies

Silver Plus Advantage Hospital does not fully cover sleep studies. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Compare the cover, not just the premium

Compare Silver Plus Support Hospital with Bupa and Medibank before choosing on price. Their cover differs for palliative care.

Compare selected alternatives

Before you pay for Silver Plus

Silver Plus Support Hospital adds back, neck and spine treatment and other categories compared with Bronze Plus Essentials Hospital. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

Phoenix Health policies and example prices.

The profile you choose updates the Phoenix Health price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Phoenix Health price for your circumstances? Compare Phoenix Health with cover across all Australian health funds.

Compare my options

Hospital cover

6 product lines

Phoenix Health hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic	Basic Accident Only HospitalBasic Accident Only Hospital	$80.13/monthat $750 excess	Policy details: Basic Accident Only Hospital
Bronze	Bronze HospitalBronze Hospital	$97.56/month	Policy details: Bronze Hospital
Bronze Plus	Bronze Plus Essentials HospitalBronze Plus Essentials Hospital	$101.18/month	Policy details: Bronze Plus Essentials Hospital
Silver Plus	Silver Plus Support HospitalSilver Plus Support Hospital	$129.78/month	Policy details: Silver Plus Support Hospital
Silver Plus	Silver Plus Advantage HospitalSilver Plus Advantage Hospital	$189.61/month	Policy details: Silver Plus Advantage Hospital
Silver Plus	Silver Plus Family HospitalSilver Plus Family Hospital	$254.43/month	Policy details: Silver Plus Family Hospital

$28.60 more per month for Silver Plus Support Hospital versus Bronze Plus Essentials Hospital after rebate for the selected example profile.

Back, neck and spine is an additional inclusion, not the complete list of differences.

Extras cover

1 product line

Phoenix Health extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Kick Start Extras 50Kick Start Extras 50	$30.94/month	Policy details: Kick Start Extras 50

Phoenix Health also sells other extras covers only as part of a package with Phoenix Health hospital cover.

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Phoenix Health Silver Plus Support Hospital comparisons. All policy links remain available.

All Phoenix Health policy pages

Phoenix Health joining offer

Current offer

Get 1 month free

New members get 1 month free when they join Phoenix Health directly, on its website or by phone. The offer covers hospital-only and combined hospital and extras policies. It ends on 30 June 2027. The second month of membership is free, once the first month of premiums has been paid.

For new members who join Phoenix Health directly on an eligible hospital-only or combined hospital and extras policy. Former members qualify only after at least 6 months away from Phoenix Health.

Ends 30 June 2027

Offer terms

Offer information checked: 27 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.

Phoenix Health eligibility and offer terms

The terms name only joining directly via the website or over the phone. Eligibility and other conditions apply.

Join directly on Phoenix Health's website or by phone, on an eligible hospital-only or combined hospital and extras policy. The terms do not name extras-only cover.

The offer ends on 30 June 2027. Applications received after 11.59pm (AEST) that day may not qualify.

The free month is applied after at least one month of premiums has been paid. Fortnightly payers get the 3rd and 4th fortnights free.

Cancelling in the 30-day cooling-off period means no free month. Phoenix Health may take back the free month if the policy is cancelled within 6 months, or suspended or cancelled by Phoenix Health within 3 months.

Current members, Phoenix Health staff and their immediate family cannot take the offer, nor can Board Members. One free month is allowed per member or membership, ever.

The offer cannot be combined with any other offer or promotion. Phoenix Health may cancel or extend it at any time.

What does Phoenix Health hospital insurance cover?

Choose a treatment

1 Phoenix Health hospital policy fully covers cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus Advantage HospitalSilver Plus Advantage Hospital	$189.61/month	Check policy details: Silver Plus Advantage Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 6 hospital policies

Selected Phoenix Health treatment categories.

Treatment	Basic Accident Only HospitalBasic	Bronze HospitalBronze	Bronze Plus Essentials HospitalBronze Plus	Silver Plus Support HospitalSilver Plus	Silver Plus Advantage HospitalSilver Plus	Silver Plus Family HospitalSilver Plus
Cataracts	Not included	Not included	Not included	Not included	Included	Not included
Joint replacements	Not included	Not included	Not included	Not included	Included	Not included
Heart and vascular system	Not included	Not included	Not included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted
Sleep studies	Not included	Not included	Not included	Included	Not included	Not included
Palliative care	Restricted	Restricted	Restricted	Restricted	Included	Included
Back, neck and spine	Not included	Not included	Not included	Included	Included	Included
Implantation of hearing devices	Not included	Not included	Not included	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Not included	Not included	Not included	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Not included	Not included	Not included	Included	Included	Included

How we read hospital categories

What the Phoenix Health extras policy pays back.

Phoenix Health extras limits per 12 months unless the statement says otherwise

Selected benefit	Kick Start Extras 50
Optical / physio benefit examples	Optical: Not included. Physio: 50% of eligible charge
Optical limit	Not included
Physiotherapy limit	$200.00within a $400.00 shared limit. Shared with chiropractic, acupuncture, remedial massage, exercise physiology & osteopathy
Major dental + endodontic limit	Not included
Psychology included?	No
Optical waiting period	Not included
Source statement	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Why Phoenix Health's shared limits and waiting periods matter

How shared limits work

Phoenix Health vs. Bupa vs. Medibank

How Phoenix Health compares with similar hospital policies.

These are selected Silver Plus examples from Bupa and Medibank, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Phoenix Health Silver Plus Support Hospital with Bupa Silver Plus Classic Hospital and Medibank Silver Plus Core. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Phoenix Health and selected alternatives: monthly prices and verified coverage differences.

Compare	Phoenix HealthSilver Plus Support HospitalReference policy	Bupa Silver Plus Classic Hospital$4.72 more a month than Phoenix Health	Medibank Silver Plus Core$8.29 more a month than Phoenix Health
Monthly premium after rebate	$129.78/month (lowest price in this row)	$134.50/month	$138.07/month
Palliative care	Restricted	Included (best cover in this row)	Included (best cover in this row)
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Policy details	View Phoenix Health Silver Plus Support Hospital	View Bupa Silver Plus Classic Hospital	View Medibank Silver Plus Core

Price assumptions

What the differences mean for you

Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.

Palliative care: included with Bupa and Medibank; restricted with Phoenix Health.

These alternatives match Phoenix Health Silver Plus Support Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Phoenix Health and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	Phoenix HealthSilver Plus Support Hospital	Bupa Silver Plus Classic Hospital	Medibank Silver Plus Core
Rehabilitation	Restricted	Restricted	Restricted
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Restricted	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Phoenix Health with cover from every Australian health fund.

Compare all funds

Phoenix Health against the industry.

Phoenix Health members had no gap on 90.2% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Phoenix Health paid 53.6% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Phoenix Health increased premiums by an average of 2.95% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

4.9 / 5

413 Google reviews

Voluntary customer reviews · Phoenix Health Fund head office on Honeysuckle Drive in Newcastle

Snapshot: 23 October 2026. This is the Google listing for Phoenix Health Fund head office on Honeysuckle Drive in Newcastle, not a rating of Phoenix Health as a whole or a representative survey.

Read Phoenix Health Fund head office on Honeysuckle Drive in Newcastle reviews at the source

Complaint share is close to market share

Share of all complaints, 2024-250.2%

Market share, 30 June 20250.2%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Phoenix Health's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0.9%.

Latest quarter, January to March 2026. The Ombudsman referred no complaints about Phoenix Health Fund Limited to it and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

1.5 / 5

53 App Store ratings

Phoenix Health Mobile App · Phoenix Health Fund Limited

Snapshot: 23 October 2026. Phoenix Health Mobile App is Phoenix Health's own app. This rates the app on the Australian App Store, not Phoenix Health's cover or claims. This small sample may not reflect the experience of most members.

See Phoenix Health Mobile App on the App Store

Google Play

2.1 / 5

45 Google Play reviews

Phoenix Health Mobile Claims app · Phoenix Health Fund

Snapshot: 23 October 2026. Phoenix Health Mobile Claims is Phoenix Health's own app. This rates the app on Google Play, not Phoenix Health's cover or claims. This small sample may not reflect the experience of most members.

See Phoenix Health Mobile Claims on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Phoenix Health recognises your provider. Ask for a treatment plan and item numbers so Phoenix Health can estimate your benefits and out-of-pocket costs.
Phoenix Health provider search
Make or track a claim
Use Phoenix Health's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Phoenix Health

For general enquiries, call 1800 028 817. Monday to Friday, 8.30am to 5pm AEDT.Contact details checked 23 October 2026.Official contact details and messaging options

Before you choose Phoenix Health.

Who owns Phoenix Health?

Phoenix Health is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 23 October 2026.

Can younger adults get a discount with Phoenix Health?

Phoenix Health offers age-based discounts to eligible younger adults. Check the discount on your quote and how it changes as you get older.

Source: Phoenix Health fund rules, checked 27 October 2026.

What is the cheapest Phoenix Health hospital policy?

Bronze Hospital is the cheapest Phoenix Health hospital policy for a single person in NSW with a $500 hospital excess, at $97.56 a month after the 24.118% government rebate for adults under 65 (prices effective 14 September 2026). This compares all 6 Phoenix Health hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Plus Essentials Hospital to Silver Plus Support Hospital?

Phoenix Health Silver Plus Support Hospital adds cover for heart and vascular system, implantation of hearing devices and 4 more categories compared with Bronze Plus Essentials Hospital. For the Single / NSW / $500 excess example it costs $28.60 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Phoenix Health.

Policy information retrieved 26 October 2026. Prices effective 14 September 2026.

Private Health Information Statements · Phoenix Health · checked 26 October 2026
State of the Health Funds Report 2024-25 · Phoenix Health · checked 26 October 2026
Government insurer profile · Phoenix Health · checked 23 October 2026
Government premium-increase figures · Phoenix Health · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Phoenix Health Fund head office on Honeysuckle Drive in Newcastle · Phoenix Health · checked 23 October 2026
App Store listing for Phoenix Health Mobile App · Phoenix Health Fund Limited · checked 23 October 2026
Google Play listing for Phoenix Health Mobile Claims · Phoenix Health Fund · checked 23 October 2026
Official contact details · Phoenix Health · checked 23 October 2026
Offer terms · Phoenix Health · checked 27 October 2026
Phoenix Health fund rules · Phoenix Health · checked 27 October 2026

How we compare health insurers

Compare Phoenix Health policies Sources for Phoenix Health Back to top

All policies by cover type

Hospital (6)

Extras (1)

Kick Start Extras 50

Hospital and extras (24)

Show 12 more

Browse all 31 policies →

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