Bronze Plus Essentials & Healthy Flex Extras 50
By: Single, NSW, Age 30, $500 excess.
Pricing for a single in NSW, under 65
Premium calculated for current profile with rebate applied.
Hospital Coverage — Bronze+ Tier
Review the hospital clinical categories covered under this Bronze+ tier policy, including covered, restricted, and excluded services, plus any important notes or conditions.
| Clinical category | Status | Notes |
|---|---|---|
| Heart & Vascular | Excluded | - |
| Brain & Nervous System | Covered | - |
| Eye (Not Cataracts) | Covered | - |
| Cataracts | Excluded | - |
| Ear, Nose & Throat | Covered | - |
| Back, Neck & Spine | Excluded | - |
| Bone, Joint & Muscle | Covered | - |
| Joint Reconstructions | Covered | - |
| Joint Replacements | Excluded | - |
| Dialysis | Excluded | - |
Waiting Periods
Standard waiting periods apply. If transferring from another insurer with equivalent cover, served waiting periods are recognised under portability rules.
Extras Coverage — Mid Level
Annual limits and benefit percentages shown below.
| Service | Annual limit | Benefit % | Waiting period | Details |
|---|---|---|---|---|
| General dental | $700 | 100% | 2 months | |
| Major dental | $700 | 50% | 12 months | |
| Endodontic | – | 50% | 12 months | |
| Optical | – | 50% | 6 months | |
| Physiotherapy | – | 50% | 2 months | |
| Chiropractic | – | 50% | 2 months | |
| Podiatry | – | 50% | 2 months | |
| Remedial massage | – | 50% | 2 months |
Hospital Agreements
Phoenix Health Fund has agreements with 60 private hospitals across Australia.
When you're treated at an agreed hospital, you're covered for accommodation, theatre fees, and prostheses at the negotiated rate — minimising or eliminating gap payments. At a non-agreed hospital, you may face significant out-of-pocket costs even for covered procedures.
| Hospital | Suburb | State | Agreement | Details |
|---|---|---|---|---|
| St Vincent's Private Hospital Sydney | Darlinghurst | NSW | Full agreement | |
| Macquarie University Hospital | Macquarie Park | NSW | Full agreement | |
| Sydney Adventist Hospital | Wahroonga | NSW | Full agreement | |
| Prince of Wales Private Hospital | Randwick | NSW | Full agreement | |
| Hurstville Private Hospital | Hurstville | NSW | Day surgery | |
| Norwest Private Hospital | Bella Vista | NSW | Full agreement | |
| Westmead Private Hospital | Westmead | NSW | Full agreement | |
| Kareena Private Hospital | Caringbah | NSW | Full agreement | |
| Lingard Private Hospital | Merewether | NSW | Full agreement | |
| Newcastle Private Hospital | New Lambton Heights | NSW | Full agreement |
Policy Features
See which additional policy features are included, not included, or subject to conditions such as waiting periods or loyalty rules.
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About Insurer
Phoenix Health Fund is a not-for-profit Australian health insurer. They offer 124 policies across hospital, extras, and combined cover.
Phoenix Health Fund is a not-for-profit health fund that has looked after members for more than 65 years. It offers value-focused hospital, extras and combined cover.
View all insurer policiesImportant Information
This page provides a summary of Bronze Plus Essentials & Healthy Flex Extras 50 by Phoenix Health Fund based on data from PrivateHealth.gov.au. It is general information only and may not reflect the most current policy terms.
Before purchasing this policy:
- Read the full Product Disclosure Statement (PDS) available from Phoenix Health Fund
- Confirm current pricing directly with the insurer — prices shown are indicative only
- Check hospital agreements in your area
- Consider whether the coverage meets your specific health needs
- Ask about any gap cover arrangements
Data last updated 26 July 2026 from PrivateHealth.gov.au. We may receive a commission if you purchase through links on this page. We are not affiliated with or endorsed by Phoenix Health Fund.
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