Compare Phoenix Health Fund health insurance


A mutual nonprofit private health insurer, established in 1953 originally for the steel industry.

Fund information


Phoenix Health Fund summary

Is Phoenix Health Fund nonprofit? 

Does Phoenix Health Fund get many complaints from members? 

How good is Phoenix Health Fund's gap cover? 

How many hospital agreements does Phoenix Health Fund have in my state? 

Does Phoenix Health Fund offer any discounts?

Does Phoenix Health Fund offer ambulance cover?

Does Phoenix Health Fund offer family policies that cover adult children?

Does Phoenix Health Fund let you claim online or in-app?

What CHOICE Community says about Phoenix Health Fund


Phoenix Health Fund summary

Phoenix

Phoenix Health Fund is a mutual nonprofit private health insurer. Established in 1953 originally for the needs of the Australian steel industry, today it has just over 15,000 members. It belongs to Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.

Phoenix Health Fund contact details

Phone: 1800 028 817

Email: enquiries@phoenixhealthfund.com.au

Website: phoenixhealthfund.com.au


Is Phoenix Health Fund nonprofit?

Yes.


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Does Phoenix Health Fund get many complaints from members?

Phoenix Health Fund complaints rating: High

  • When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.
  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Phoenix Health Fund's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Phoenix Health Fund covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Phoenix Health Fund gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Average

Tasmania (Tas)

Above average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

Phoenix Health Fund – 92.2%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Phoenix Health Fund – 74.1%

Industry average – 76.7%

Victoria (Vic) 

Phoenix Health Fund – 91.2%

Industry average – 85.0%

Queensland (Qld) 

Phoenix Health Fund – 92.2%

Industry average – 85.1%

South Australia (SA) 

Phoenix Health Fund – 94.3%

Industry average – 86.8%

Western Australia (WA) 

Phoenix Health Fund – 86.5%

Industry average – 90.1%

Tasmania (Tas) 

Phoenix Health Fund – 95.4%

Industry average – 83.0%

Northern Territory (NT) 

Phoenix Health Fund – 100.0%

Industry average – 80.1%

How many hospital agreements does Phoenix Health Fund have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Phoenix Health Fund has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Phoenix Health Fund has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

100 private hospital agreements out of an industry maximum of 100

89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

53 private hospital agreements out of an industry maximum of 58

48 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

75 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

23 day hospital agreements out of an industry maximum of 29

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Does Phoenix Health Fund offer any discounts?

Discount for direct debit:None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None


Does Phoenix Health Fund offer ambulance cover?

All Phoenix Health extras, hospital and combined policies have emergency ambulance cover.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


Does Phoenix Health Fund offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study and not living with a partner.


Does Phoenix Health Fund let you claim online or in-app?

All services can be claimed via email or the fund's app (iOS and Android).


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What CHOICE Community says about Phoenix Health Fund

CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Phoenix Health Fund to share your experiences or gain more insights into this health fund.