Phoenix Health Fund offers affordable, great value Private Health Insurance to meet the needs of people who don’t need full cover.
Youngsavers provides a combination of private and public hospital and medical cover along with offering a wide range of extras covering the services required by younger individuals.

This policy can be purchased as a Singles or Couples policy only.

What’s Included in Hospital Cover

 

Treatments Covered
Treatment for injuries sustained in an accident Yes
Prosthesis Yes
Appendicitis treatment Yes
Removal of Appendix Yes
Removal of tonsils and adenoids Yes
Joint reconstruction and investigations Yes
Obesity surgery Excluded
Surgical removal of wisdom teeth (hospital charge only) Yes
Colonoscopy/Gastroscopy Yes
Pregnancy and birth related services Excluded
Fertility treatment (e.g IVF & GIFT programs) Excluded
Heart related services Excluded
Major eye surgery (including cataract and eye lens services) Excluded
Joint replacements Excluded
Spinal procedures and related services Excluded
Surgery on broken bones Yes
Renal dialysis Excluded
Neurostimulators Excluded
Insulin pumps Excluded
Cosmetic surgery covered by medicare Yes
Cosmetic surgery (not covered by medicare) Excluded
Psychiatric services Restricted
Rehabilitation Restricted
Palliative care Restricted
All other in-patient services where a Medicare benefit is payable Yes

 

For hospital services to which Phoenix Health Fund provides coverage, YoungSavers provides coverage for:

  • private and public hospital services nationwide (after the up-front excess has been paid) with access to an extensive range of quality services and approved programs in private hospitals which have an agreement with Phoenix Health Fund.
  • Public or Private Hospital bed – shared or private room (if available)
  • Same day patient fees
  • Theatre fees
  • Intensive care
  • In hospital pharmacy
  • Prosthesis (Commonwealth Government approved)
  • All other in-patient services where a Medicare benefit is payable (not listed as an exclusion in the table above)

Additional costs you may incur are:

  • The amount the doctor charges above the Medicare schedule fee or “Access Gap” cover amount
  • some drugs, pharmacy items and non-PBS drugs for personal use or on discharge; and possibly
  • a co-payment for prostheses devices above the minimum benefit.
  • There are a small number of public hospitals that do not have agreements with us. In these cases a personal payment may apply.

Restricted Services

If you are to be admitted into a public or private hospital as an in-patient for a restricted service, you will need to be aware of how your fund will pay your benefits.
Be aware that if you are admitted with a restricted service, significant out of pocket expenses can apply.

 

Service Category Benefit Rules
Psychiatric, Rehabilitation, Palliative care
  • If you are admitted in a public hospital, full cover for accommodation is offered in a shared ward only as a private patient
  • If you are admitted in a private hospital, accommodation benefits payable are in accordance with the relevant default benefits as determined by the Commonwealth Government, resulting in the member having a large out-of-pocket expense.
  • If you are admitted in a private hospital,No benefit for private hospital theatre fees, facility fees or labour ward apply.
  • If you are admitted into hospital, only Commonwealth Government approved prostheses will be covered.

Excluded services

If you are to be admitted into a public or private hospital as an in-patient for an excluded service on your policy, the fund will not pay a benefit.

Excess

If you are admitted to a hospital you will pay an up-front excess of hospital costs until you have reached your excess maximum of $500 per person within a calendar year (1st January through to 31st December).

The excess is applied as follows:

  • The full $500 excess is payable on the first overnight admission (private or public hospital), and
  • A $250 up-front excess is payable on any day surgery admissions (private or public hospital).
  • Maximum excess per family membership is $1000.
  • Excess is waived for all dependent children on the Sole Parent or Family YoungSavers policy.

Medical Gap Cover

Phoenix Health Fund, as a member of the Australian Health Service Alliance, has “Access Gap” arrangements with more than 15,000 doctors Australia-wide. These arrangements minimise or eliminate Members’ out-of-pocket expenses when our Members are treated as admitted hospital patients.

If your doctor participates in the “Access Gap” scheme, you will either have no out-of-pocket expenses to pay or will know exactly how much you will have to pay before treatment begins. Your doctor can bill Phoenix Health Fund direct, so in most cases you will not be required to lodge a claim with us, making it easier for you.

To check whether your doctor participates in “Access Gap”, use our Doctor Search facility, or ask your doctor.

 

Inclusions in the extras cover

Unless otherwise stated, benefit limits apply per person per calendar year. Initial consultation benefits are paid only once per person per calendar year.

Benefit and limit amounts are effective from 1st April 2017.

Please also note that this page does not include the full detail of all services covered, and that sublimits apply for some services.  It is recommended that you contact the fund before your treatment to check exactly what you are covered for.

 

 

Treatment Benefit (for commonly claimed items) Annual Limit
General Dental
Major Dental
Endodontic
Periodic oral examination – $35.00
Scale & clean – $68.00
Fluoride treatment – $24.00
Surgical tooth extraction – $150.00
Full crown veneered – $800.00
Filling of one root canal – $170.00
$800
Optical
Excluded: Sunglasses, where no sight correction is needed
Single vision lenses & frames – $210.00
Multi-focal lenses & frames – $240.00
Frame – $100.00
Single Vision Lenses – $110.00
Multifocal Lenses – $210.00
$240
Non PBS Pharmaceuticals
Excluded: contraceptives and items purchased over the counter
Per eligible prescription – $70.00 (Paid after General PBS copayment has been paid) $250
Chiropractic / Osteopathic

Acupuncture
*Acupuncture benefits paid for approved alternative therapy associations only.
Chiro/Osteo Initial visit – $40.00
Chiro/Osteo Subsequent visit – $30.00Acupuncture visits- $25.00
$225
Physiotherapy
Orthoptic Therapy
Speech Therapy
Occupational Therapy
Physiotherapy Initial visit – $50.00
Physiotherapy Subsequent visit – $37.00
Orthoptic Therapy Initial visit – $45.00
Orthoptic Therapy Subsequent visit – $44.00
Speech Therapy Initial visit – $85.00
Speech Therapy Subsequent visit – $45.00
Occupational Therapy Initial visit – $60.00
Occupational Therapy Subsequent visit – $40.00
$400
Natural therapies
Including Myotherapy, Homeopathy, Naturopathy and Chinese Herbal Medicine (consultation only)Remedial massage* Benefits paid for approved alternative therapy associations only. Click here for approved alternative therapy services.
Natural Therapies visits – $25.00
Remedial Massage visits – $25.00
$100
Dietetics
* Benefits paid for registered DAA Dieticians only)
Initial visit – $60.00
Subsequent visit – $40.00
$150
Podiatry Initial visit – $44.00
Subsequent visit – $34.00
Podiatric devices – 80% of cost
$200
Psychology
* Benefits paid for registered clinical psychologists only)
Hypnotherapy
* Benefits paid for registered clinical hypnotherapists only)
Psychology visits – $75.00
Hypnotherapy visit – $50.00
$250
Healthy Lifestyle Program
(Approved Health Education, Health Screening, Health Management programs and Exercise Physiology. Please contact the fund before you make a claim to check that the service provided is an approved program.  Click here for more information
Exercise Physiology  visits – $30
All other services – 80% of charge
$100
Aids and Appliances 80% of charge
(after $20 copayment is made)
$200
Travel benefit is equivalent of economy rail fare for distance travelled or 10c per kilometre. Combined benefit patient and attendant. $60

 

Ambulance Coverage

Phoenix Health Fund covers all medically necessary transport from a State Emergency Ambulance service. This also includes when an Ambulance is called to attend to you, but you do not subsequently need to be taken to hospital. Coverage is not offered when it is not medically necessary for you to be transported by an Ambulance.

YoungSavers waiting periods

Hospital

  • 12 month waiting periods for pre-existing conditions
  • 2 month waiting periods for all other hospital items covered

Extras

  • 2 month waits for General Dental and Endodontic dental procedures/claims
  • 12 month waits for Major Dental procedures/claims
  • 6 month waits for Optical claims
  • 2 month waits for all other extras items

Fund Rules

For the complete description of the Fund rules, relating this product, please refer to the General Information section on our website.

 

Please ensure you have read and retained the information relating to your policy of choice before applying for membership.