 
Phoenix Health Fund has Agreements with over 440 Private Hospitals throughout Australia.
Look up the Hospital Search or phone Phoenix Health Fund FREECALL 1800 028 817 to request a copy of the 100% Hospital List, or to check whether the Hospital you are planning on using is included.
These Agreements mean that in most cases Phoenix Health Fund will pay 100% of the Medically-related costs incurred for treatment as an admitted patient in Hospital.
The only cost to you will be the difference, if any, between what your Doctor charges and the Medicare Benefits Schedule Fee, some drugs and pharmacy items for personal use, and drugs on discharge. There may be a member Co-Payment for
certain Prostheses Devices. Your Doctor will advise you beforehand should
there be a Co-Payment required.
Where Doctors participate in the Australian Health Service Alliance Access GAP Cover Scheme, members will have no co-payment, or a known co-payment. You can search for participating doctors using our Doctor Search page. (Note that there may be Doctors with Agreements that do not appear on the “Doctor Search” - ask your Doctor!)
Benefits payable to Private Hospitals where Phoenix Health Fund does NOT have an Agreement are in accordance with the relevant default benefits as determined by the Federal Minister for Health.
Top Hospital Cover also provides benefits to cover 100% of the prescribed daily fee for accommodation in a Private Room in PUBLIC HOSPITALS. |
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| Medical Gap Benefits |
| Benefits are payable covering the difference between the Medicare Benefits Schedule (MBS) fee and the benefit received from Medicare for professional services for admitted patients in hospital or patients in a registered Day Hospital Facility.
Where Doctors participate in the Australian Health Service Alliance Access GAP Cover Scheme, members will have no co-payment, or a known co-payment. |
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| Nursing Home Type Patients |
| Unless a doctor certifies otherwise, patients in hospital in excess of 35 days continuously are regarded as Nursing Home Type patients. Nursing Home Type Patients are required by legislation to pay part of the daily accommodation charge as approved by the Federal Minister for Health. |
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| Same Day Patients |
| Benefits are payable towards the cost of same day treatment in public and private hospitals and registered free standing day hospital facilities. |
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| Surgically Implanted Prostheses |
| Benefits are payable up to the Minimum Benefit for prostheses. |
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| Ambulance (NSW and ACT only): |
| Free Ambulance Services are available for members with hospital cover who live in NSW and the ACT. Members outside NSW and the ACT should refer to the Ancillary Benefit Table.
Ancillary Only Members in NSW and ACT without hospital cover should check with the fund for Ambulance Cover options. |
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| These tables show Top Hospital and Top Cover Rates only. For all rate schedules on a single page, including product combinations, see the Rates Page. |
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| Family Contribution Rates from 1st July 2008 |
| Note that these tables do not include Lifetime Health Cover loadings for people over the age of 30. Contact the Fund for specific details.
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| FAMILY after Rebate |
Code |
Weekly |
Monthly |
Quarterly |
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| Top Hospital |
FHS |
39.20 |
170.50 |
511.60 |
| Top Cover (includes Ancillary) |
FHSA |
55.85 |
242.90 |
728.80 |
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The Federal Government 30% Rebate on Private Health Insurance is available to all private health fund members eligible for Medicare and is not means tested. We recommend you register to participate in the 30% Contribution Reduction scheme. Download an Application Form or phone Phoenix. For Memberships with individuals aged 65 to 69 the Rebate is 35%; for Memberships with individuals aged 70 and over, the Rebate is 40%. To determine the Rates after these higher Rebates, please contact the Fund.
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| This table shows rates after the 30% Rebate only. For full rates, see the Rates Page. |
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| Single Parent Family Contribution Rates from 1st July 2008 |
| Note that these tables do not include Lifetime Health Cover loadings for people over the age of 30. Contact the Fund for specific details.
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| SINGLE PARENT FAMILY after Rebate |
Code |
Weekly |
Monthly |
Quarterly |
|
| Top Cover (includes Ancillary) |
PHSA |
46.05 |
200.25 |
600.85 |
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The Federal Government 30% Rebate on Private Health Insurance is available to all private health fund members eligible for Medicare and is not means tested. We recommend you register to participate in the 30% Contribution Reduction scheme. Download an Application Form or phone Phoenix. For Memberships with individuals aged 65 to 69 the Rebate is 35%; for Memberships with individuals aged 70 and over, the Rebate is 40%. To determine the Rates after these higher Rebates, please contact the Fund.
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| This table shows rates after the 30% Rebate only. For full rates, see the Rates Page. |
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| Single Contribution Rates from 1st July 2008 |
| Note that these tables do not include Lifetime Health Cover loadings for people over the age of 30. Contact the Fund for specific details.
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| SINGLE after Rebate |
Code |
Weekly |
Monthly |
Quarterly |
|
| Top Hospital |
SHS |
19.60 |
85.25 |
255.80 |
| Top Cover (includes Ancillary) |
SHSA |
27.90 |
121.45 |
364.35 |
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The Federal Government 30% Rebate on Private Health Insurance is available to all private health fund members eligible for Medicare and is not means tested. We recommend you register to participate in the 30% Contribution Reduction scheme. Download an Application Form or phone Phoenix. For Memberships with individuals aged 65 to 69 the Rebate is 35%; for Memberships with individuals aged 70 and over, the Rebate is 40%. To determine the Rates after these higher Rebates, please contact the Fund.
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| This table shows rates after the 30% Rebate only. For full rates, see the Rates Page. |
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