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Phoenix Health Fund

Phoenix Health Fund

 Verifiedphoenixhealthfund.com.auABN: 93000124863
Phoenix Health Fund
5.0

460 reviews

Positive vs Negative
98%2%
Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
Claim ApprovedYes · No
Value for Money
4.6
460 reviews
5 Greg C.  · Adam called back at a time that suited me and was very clear and knowledgeable
5 Louis Borg  · Thank you for helping me save money , and your all back
5 Linda E.  · Really happy with the customer service. All my questions were answered honestly and I felt welcomed straight away.
5 Colin  · Staff very friendly and helpful on the phone, excellent service
5 Melissa T.  · Adam was great. Really easy to talk to and very knowledgeable. I can't fault my experience so far with Phoenix.
5 Matthew  · Sanjana was amazing. Informative, friendly and very Helpful. The policy itself is much better than our current - more benefits for a better price.

Reviews with attachments

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Leon C
Leon C
 

Lisa H was extremely helpful. After many hours of research and deciding to call Phoenix, i received an email from Lisa, and when i called the number, she answered the phone. She created a great first impression and added to the information i already found on the positive aspects of Phoenix health fund. So far far i am very happy with the onboarding procedure. Thanks Lisa and team Show details ·  1

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Pippa D.
Pippa D.NSW4 posts
 

Help sorting the mess of Health Insurance offers, claims and the plethora of omissions to be found (or not found) online – Phoenix's consultant Rosie gave me a completely honest (phone) review of what was on offer, and more importantly, what wasn't. For example: "Health Management" is reimbursed, but my annual skin checks are considered an outpatient Specialist visit. (Seems to *me*, that such a visit is the epitome of what "health management" is. Apparently not.)… Read more ·  1

The key information provided by Rosie was that NO health funds reimburse such 'outpatient' visits. Shame on the lot of you.

That said, this information alone saved me days of research and frustration sifting online Health Insurers and the confusion of names (Basic, Basic Plus, Basic Plus Healthy Start, Bronze, Bronze with Top Extras, Silver, Silver Flexible, Gold, Hospital, Hospital and Extras, Packages... and all the other vague titles given to the various offers.) Who can understand all this? (And shame on the then Government for caving to industry pressure, and allowing this mess to happen.)

It is simply impossible to do direct comparisons between the various Insurers - quite deliberately, in my opinion.

The policy I chose, guided by Rosie, wasn't the cheapest I could have wrangled. But it did cover most of what I need now and offered flexibility in changing it in the future. The online setup was simple and fast, confirmatory SMSs arriving within seconds.

In short: Phoenix won my business for Rosie's honesty. If the sales consultants are prepared to tell you the good news *and* the bad news, this implies the Company has a corporate policy of honesty. I hope I am right.

Latest follow-ups

Shan
Shan
 

Very easy and Informative – Lisa was very clear with the packages she offered and made sure I got the best package for me. Lisa had great knowledge of the products she was promoting which helped me make the right decision Show details ·  1

 Follow-up  · All of my dealings with Pheonix Healthcare have been very good. They have continued to be easy to deal with. I have had no issues at all in claiming. I have also doubled checked with them to make sure all was good with my claims with dentist and with massage and these have been accepted without any comebacks or made-up excuses to try and claim extra fees. I can't fault them, in-fact I wish more companies were this easy to deal with.

Terry
TerryVIC3 posts
 

The most impressive and rewarding health fund for members – Left a message with Phoenix Health Fund (after a friends conducted a through research into health funds and recommended this company) and requested a callback at a suitable time. I was not disappointed. In fact I was most pleasantly surprised when… Read more ·  1

Lisa phoned me at the requested time. Even though it was already after hours she took her time and explained everything very thoroughly. It suffices to say I was very pleased with the way this company operates as opposed to the major health funds who spend a fortune on advertising and employing companies to induct members by paying them commissions. Lisa many thanks and I look forward to being a Phoenix member.

 Follow-up  · I have now been with Phoenix Health Fund for some time and having experienced numerous health issues during that time, being with this health fund only strengthens my resolve to continue being insured with them despite being regularly hassled my many other health funds (all very commercial in their advertising campaigns. Your calls to Phoenix… Read more

TCC
TCC3 posts
  Verified

Pheonix Helth Fund is a fund that recognises the needs of its members and delivers exactly what you are after with better coverage than a lot of other health funds and great value for money. Just recently I was alerted to the fact that Pheonix… Read more ·  1

supported a program called "Diabetes First Program" which I was elegible for and during the 12 week programe I was able to change my life style to enable me to live healthier and reduce some of the effects of diabetes without any additonal costs to me.

 Follow-up  · The support from all the staff at the Diabetes First Program was absolutely first class and even though I have completed the 12 week program I still have their support if needed. My diet has changed form eating large meals to eating appropriate portioned meals with a balance of all the nutrients required to keep my body satisfied for longer… Read more

In-depth reviews

Julie Moyse
Julie MoyseSA
  Verified

Very Happy Phoenix Health Fund Member – This fund is amazing. I have been a member for a very long time and have always had a Gold membership which has served me well with all of the health issues I have experienced in the last 10 years. The claiming is easy, phoning for help is quick and efficient with very little waiting time and refunds are issued very quickly after claiming. The… Read more ·  1

services they offer to assist with better Health Living and ongoing help for issues such as Cancer Recovery and Osteoarthritis is exceptional. They are also affiliated with Kieser Exercise and Rehabilition Programmes which is a science-backed exercise program that specialises in Rehabilitation and muscle and strength conditioning for longevity and good health. The service is very personalised with a Phoenix Representative from South Australia ( Tracy )personally ringing me to outline the benefits and offer information that was requested. I would highly recommend this Health Fund above any other that I have ever been a part of.

Peter
PeterNSW10 posts
 

Phoenix Health seems to live up to its reviews and thanks to Lisa H for her fantastic support – This review is a big shout out and thank you to Lisa H a customer service representative I dealt with and secondly, hopefully a big shout out to Phoenix Health. I have been with BUPA since 2009 along for some of the time with my children, and the premiums have become increasingly expensive and BUPA staff increasingly challenging to deal with.… Read more ·  2

Many of the consultants do not appear fully trained, staff phone and leave no messages, and on phoning back the number, you end up in a queue and so on.

A cynical person might think that BUPA did not really care whether it had me as a member or not. I’ve just had a thought. They don’t. They don’t really care whether they lose me as a client or not from what I experienced.

Such was my frustration I decided to look around for an alternative health fund.

I happened across a review for Phoenix Health on Forbes Adviser where Phoenix got fantastic reviews. I contacted Lisa H one of its customer service representatives.

What a complete contrast in customer support to BUPA. The difference has been chalk and cheese and I cannot thank Lisa enough for her patient generosity in walking me through what is, as many of you know, a very difficult decision to make namely changing health funds. It really shouldn’t be this difficult, but it is, and if it was not for Lisa, I would probably still be pulling my hair out dealing with BUPA while waiting on the phone.

Of course the proof of the pudding is in the eating and I have yet to use the services of Phoenix Health, but I was reassured to find out that I have in a way gone full circle returning to a not-for-profit friendly society similar to one I dealt with many years ago, which I recall was eventually gobbled up by BUPA, rather than the health fund juggernaut BUPA has become.

This is what I know so far but all care and no responsibility:

• Phoenix returns more to the customer than BUPA for many services. On one plan I contemplated using you get back 60% of the charged item under the extras category up to your annual limit • the ambulance cover is more complete but on that I'm not fully clear why it is that BUPA wouldn't cover fully • there are no restrictions on which practitioner you can visit, so you choose who you want to see. • Phoenix does not have a list of preferred providers such as BUPA dental or BUPA optical • Phoenix does however medical professionals it has formed a business relationship with, in an attempt to cap costs • Phoenix is not-for-profit which on its own doesn’t mean all that much but hopefully time will show that it is not greedy for profit and cares for its members’ welfare • the cost per month is at least comparable with BUPA if not better

If Phoenix Health’s service is anything like the support I received from Lisa H I will be recommending people to join up.

Thanks again Lisa, for your patience.

Peter Hill

Clare5858
Clare5858WA9 posts
  Verified

You Won't Have Any Regrets – I did thorough research, reading many reviews before going with this understated insurance company, who I have been with for about three years. It was one of the best decisions I've made when it comes to safeguarding my health. I have a pre-existing back condition which I declared at the time of taking out the policy, for which I'm fully… Read more ·  1

covered. How many insurers do you know who will cover you for a pre-existing condition?

Before completing my first year, I needed a right shoulder reconstruction due to an injury. After providing the necessary medical documentation, they approved the claim without any fuss.

The staff are professional, highly informed about the Phoenix policies, and reply promptly to all email enquiries.

As an aside, I was abroad for almost eighteen months. Phoenix Health Fund will put your policy on hold for up to two years, and will restart it without any penalties, once you prove you have returned to Australia.

There's more I could say about Phoenix Health Fund, but I'll leave it here, only to say I am secure in the knowledge that they will look after my claims when the time comes. I highly recommend them for anyone looking for a genuinely caring health fund (rare!).

Positive reviews

Tania
TaniaNSW
 

We were thinking of increasing our level of extras cover which would have cost more. Phoenix gave us independent advice so that we could see what suited us. We decided to keep the same level of cover without increasing it. We were impressed that the Phoenix rep also knew about the proposed changes to the government rebate which was very helpful. Show details ·  1

Helen D
Helen DNSW4 posts
 

We had been with AHM for many years but had recently become disenchanted with very long waits on the phone, unanswered emails etc. So after shopping around with several health funds, we settled on Phoenix Health Fund basically for one reason -… Read more ·  1

and that was Rosie's help and clear guidance. The cost of cover was difficult to gauge between funds, as it is liking comparing apples with oranges! Some cover this, but not that, etc. But overall, it was the personal touch that clinched the deal for me with Phoenix, and the help with finding the "best fit" cover. Well done, Rosie!

 Follow-up  · Very happy so far with Phoenix Health - got a text keeping me up to date with new premium details etc. Also easy to contact by phone - unlike AHM!

Kristin Jones
Kristin JonesVIC2 posts
 

I have been with Phoenix Health for 7 years. Thank you for looking after me today with my query. I have recently been looking to move my Health Insurance, purely to save money, but no other company can beat the premium I’m getting with Phoenix. Thanks again. Show details ·  1

Negative reviews

gherkin
gherkinQLD19 posts
 

I need to get a pressure relieving pillow. phoenix rules are plentiful & i am limited to purchasing from Australian companies with a abn. Reality is that we all know about the cost of living crisis. So even though i can get the exact same product at half the price on amazon compared to a litany of australian medical supply companies ,its out of… Read more

bounds. Because the rules say the supplier has to be Australian. So i am forced to pay the exorbitant price to conform with so called sacrosanct phoenix rules . I spoke to them to today to allow the member to purchase the product of their choosing . I was like talking to the wall totally intransigent. you are told these are the rules and take it or leave it. so I ended up paying double the price for a identical article that amazon was selling. Phoenix open your ears & listen to your customers and be sensitive to the fact that my budget is tight & i should have the option of purchasing a product for the cheapest price i can obtain. REally annoyed by this situation.

Phoenix Health Fund
Phoenix Health Fund    

Thank you for taking the time to share your… Read more

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daz
daz88 posts
 

to expensive this insurance – I like to join but no had insurance 10 years cost me $405 a month if have insurance cost $176 silver u got to be joking Show details

Phoenix Health Fund
Phoenix Health Fund    

Hi Daz, the additional charges you are… Read more (+3 replies)

nullifidian
nullifidian16 posts
  Verified

Beware Price Gouging – Over the past five years the government authorised industry average price increase has been 15%. Phoenix increased our plan pricing by 32%. They have not answered my queries, only vanilla replies with no explanation. Look around. Show details

Phoenix Health Fund
Phoenix Health Fund    

Hi Nullifidain – we understand and appreciate… Read more

Recent reviews

Kristian
KristianNSW2 posts
 

A huge thank you to My Doctors Kitchen and Phoenix. I have just completed the MDK 12 week weight management program and what an amazing experience it has been. The entire team and MDK are totally invested in your health and wellbeing and helping you achieve your desired results. The weekly check in from different team members are so important to… Read more

help you maintain motivation and focus. The entire program is incredibly well run and I experienced some amazing results whilst gaining a better understanding of how to effectively manage my weight moving forward. A special shout out to Natalia, whose enthusiasm is infectious and thoroughly genuine in her desire to help in every way possible. Nothing is too much trouble. The fact that Phoenix offer this amazing program to their customers is just another one of MANY reasons to be a member with them. Phoenix and their team are are not just another health insurance providor, they completely outshine any of the major funds and I can't recommend Phoenix and MDK enough. Thank you to all involved.

Irene.T
Irene.TNSW
 

I have been a member of Phoenix Health Fund for three years, and they are the best! They always answer the phone very quickly, and the staff are always patient, helpful and professional. Recently, my company started offering additional health cover to employees, so I needed to move my Extras cover from my current Phoenix policy to the company… Read more

policy while keeping my Hospital cover with Phoenix. There was a little miscommunication between my company and Phoenix during the process, but Jan C. was extremely helpful. She helped me sort everything out and patiently answered all of my questions.

I always recommend Phoenix Health Fund to my friends and family. Their products are designed to suit customers' needs, their prices are reasonable, and most importantly, their customer service is excellent.

Thank you, Jan C. and the Phoenix team!

asaprombee
asaprombee7 posts
 

I have been with Phoenix Health Fund for about 4 years. It is expensive but when you have cover, they are very reliable and low stress. It took me a while to understand it but on balance, I am very glad I have this cover. I never have any problems with my health insurance and it is very set and forget. Show details

Deep
DeepNew South Wales
 

I have been with Phoenix for more than 5 years and have never had any issues. The staff have always been friendly, professional, and very helpful. I recently spoke with Amy, who was especially helpful, knowledgeable, and professional throughout the process. I highly recommend Phoenix for their excellent customer service and ongoing support. Show details ·  1

GeeGee
GeeGeeNSW2 posts
 

Have been a member for about 58 years and have always been impressed with the level of service and the quality of benefits. It is so refreshing that you can speak to a real person in Australia whenever you need to contact Phoenix and the call is usually answered right away. Show details ·  1

Joel T
Joel T
 

Excellent service and offering from Phoenix Health- I’ve spoken to Jan twice in the past year to review our cover and rounds her customer service to be outstanding- friendly, knowledgeable and professional but not robotic. Jan follows through with information, and a follow up call to see if I need anything else. Thanks Jan- excellent service !! Show details ·  1

henry drive
henry drive2 posts
 

Thank you Adam for the prompt service in providing the information regarding the Health Insurance service provided by Phoenix. I am very pleased with the affordable rates, and the number of items that are provided in the Health Insurance Protection Funding Programme Agreement. Very happy to be joining as a member thank you. Best Regards, Henry Show details ·  1

Find out how Phoenix Health Fund compares to other Health Insurance

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Chloe
Chloe
 

Through phoenix I was able to access the Diabetes First Program. During the intake for it I discovered i had type 2 diabetes, I was previously pre-diabetic. Through the program i had access to a Dr, nurses, dietician and diabetes education. I also got free lite n easy meals for one month and a glucose monitor. I can’t describe what a difference… Read more ·  1

their support made to me. I could have never organised all those appts or had that level of support to manage this shocking new diagnosis. I learnt how to manage my blood sugar levels and had remarkable results in the 12 weeks including necessary weight loss and lifestyle changes, a reduction in the standard deviation of bsl and increase muscle from exercise. I may now be able to manage without medication which my own gp is amazed by. I am very grateful to phoenix for covering it all and to doctors kitchen for the program!

Ruth
RuthNSW
 

I have just completed the Diabetes First Program with the Dr’s Kitchen. It was a very comprehensive program which provided information and assistance in all aspects of blood glucose control. The regular contact with personnel from the Dr’s Kitchen was very encouraging and supportive. I am very pleased that I took part in this program and I believe… Read more ·  1

I now have a much better understanding of the importance of diet and exercise in the management of blood glucose levels.

Donald C.
Donald C.VIC3 posts
 

I recently joined Phoenix Health, and the entire experience has been absolutely seamless. From day one, the team has made managing health insurance incredibly easy and stress-free. It is rare to find a fund that genuinely shows how much they care about their members, but Phoenix Health delivers top-tier personal service every step of the way. The… Read more ·  1

process to join was clear, transparent, and hassle-free. A huge thank you to the team for a job well done—I'm very glad I made the switch!

John B.
John B.
  Verified

I have recently completed the Diabetes First Program with Doctors Kitchen in Brisbane. My program was financially sponsored by Phoenix Health Fund, the only health fund who sponsors such a program to improve their customers health outcomes. The program was comprehensive and Doctors Kitchen supported me all the way through my health improvement… Read more ·  1

journey with weekly consultations and I could call them whenever I had any concerns. My diabetes health journey on the Diabetes First Program has been a great success and I am now in remission. I have learned many lessons on how to manage my diabetes via the program that has enabled me to turn it around. I highly recommend both Phoenix Health fund for having the foresight to sponsor this program and the Diabetes First Program at Doctors Kitchen for enabling me to manage my Diabetes and bring it back under control. This will greatly enhance my future health outcomes.

Nancy
NancyVictoria
 

When reviewing my current policy with Phoenix Health and considering other health companies to potentially move to, Phoenix took the time to allocate a customer service representative to our case to help us weight up all our options. They went out of their way to retain our membership with them. We are happy with the final outcome and appreciate… Read more ·  1

that their call Center is based in Australia making communication easy and l really appreciate that when you call you speak with a real person not just some computerised app which often can't help anyway.

Philip Campbell
Philip Campbell
 

Jan was very personable and helpful. She engaged in a conversation that was genuine; not driven by a script. She was knowledgeable, and highlighted important aspects that I needed to know. The process to make the changes to my cover that I was seeking was made simple and easy. Show details ·  1

Chelle
ChelleVIC2 posts
  Verified

I have been impressed with Phoenix Health Fund and been with them for years. Offer good coverage at competitive rates and get to talk to a person when you call quickly. I recently had to change plans due to change in circumstance and client services officer was so helpful and kind. I have made claims in the past with such ease. Highly recommend Phoenix and love they are a not for profit. Show details ·  1

Phil
PhilSA
 

During my 12 week Diabetes First Program I received personal assistance from The Doctors Kitchen regarding meal portions and calorie intake in conjunction with Lite ‘N Easy. This will assist me with future meal preparations. All contacts with The Doctors Kitchen were very helpful and professional.  Show details ·  1

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