Understanding Health Insurance

A guide to understanding Health Insurance

We get it… health insurance, like all insurances can be complex and at times a little confusing.

We’ve put together the guide below to help you understand how private health insurance and your Phoenix Health cover works, the government initiatives that make health insurance more attractive and affordable, everything you need to know about waiting periods and more.

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Section 1:
The Australian Healthcare System

The Australian Healthcare system has two parts Public and Private. This section gives you more information on the choices you have when it comes to your healthcare and treatment.
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Section 2:
Government Initiatives

The Government has initiatives in place including the Rebate on Private Health Insurance, Lifetime Health Cover, Medicare Levy Surcharge and Age-Based Discount. Learn more in this section.
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Section 3:
Waiting Periods

Whether you’re new to Private Health Insurance, switching to Phoenix Health or a Phoenix Health member changing your cover, this section explains how waiting periods work.
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Section 4:
Ambulance Cover Explained

Am I covered for ambulance? What if I travel interstate? What’s non-emergency ambulance? This section gives you all the information you need to feel confident in your cover.