Phoenix Health extras cover
Is Phoenix Health Kick Start Extras 50 worth it?
For one adult in NSW, it pays back more than it costs in two of the three ways of using extras worked through below, and costs more than it pays back in the other. It is $40.78 a month before the rebate, $30.94 after.
Three ways of using it
Worked for one adult in NSW, under 65, on the 24.118% rebate, over a year, at typical prices: $200 for general dental, $300 for optical and $90 for physiotherapy.
One dental check-up a year
$171 behind
That costs $200 with no cover. On this policy you’d pay $371 in premiums and get $200 back.
15th of the 219 policies from funds anyone can join that cover this. nib’s DentalPass does best, $161 better off over the year.
Two dental visits and new glasses
+$29 ahead
That costs $700 with no cover. On this policy you’d pay $371 in premiums and get $400 back. It pays nothing towards optical.
Against the 189 policies from funds anyone can join that cover this, it would sit 4th. Latrobe’s Core Essential Extras does best, $21 better off over the year.
Two dental visits, new glasses and six physio sessions
+$29 ahead
That costs $1,240 with no cover. On this policy you’d pay $371 in premiums and get $400 back. It pays nothing towards optical.
Against the 181 policies from funds anyone can join that cover this, it would sit 49th. HCF’s Flex My Extras does best, $341 better off over the year.
Your year won’t look like any of those.
Put in what you actually use and the calculator sets this policy beside every other one, with the working.
What it pays
| Service | Benefit | Yearly limit | Wait |
|---|---|---|---|
| General Dental | 100% of the fee | $500 | 2 months |
| Non-PBS Medications | 50% of the fee | $200shared with vaccinations | 2 months |
| Physiotherapy | Covered, amount not published as a set figure | $400shared with chiropractic, acupuncture, remedial massage, exercise physiology and osteopathy | 2 months |
| Chiropractic | Covered, amount not published as a set figure | $400shared with physiotherapy, acupuncture, remedial massage, exercise physiology and osteopathy | 2 months |
| Acupuncture | Covered, amount not published as a set figure | $400shared with physiotherapy, chiropractic, remedial massage, exercise physiology and osteopathy | 2 months |
| Remedial Massage | Covered, amount not published as a set figure | $400shared with physiotherapy, chiropractic, acupuncture, exercise physiology and osteopathy | 2 months |
| Exercise Physiology | Covered, amount not published as a set figure | $400shared with physiotherapy, chiropractic, acupuncture, remedial massage and osteopathy | 2 months |
| Osteopathy | Covered, amount not published as a set figure | $400shared with physiotherapy, chiropractic, acupuncture, remedial massage and exercise physiology | 2 months |
| Vaccinations | 50% of the fee | $200shared with non-pbs medications | 2 months |
As listed for one adult in NSW. A percentage is of the provider’s fee; a dollar figure is the most paid per visit. Where a benefit differs by item, the commonest one is shown.
Conditions to know
Benefits are limited to specific item codes. Other procedures may not be covered.
This policy limits how often you can claim. Benefits may be reduced if you exceed the frequency cap.
Some services within this category have lower limits than the main annual cap.
Multiple services share a single annual limit pool.
What it costs
| State | Single | Couple | Family | Single parent |
|---|---|---|---|---|
| NSW | $40.78 | $81.56 | $81.56 | $81.56 |
| VIC | $40.78 | $81.56 | $81.56 | $81.56 |
| QLD | $40.78 | $81.56 | $81.56 | $81.56 |
| WA | $40.78 | $81.56 | $81.56 | $81.56 |
| SA | $40.78 | $81.56 | $81.56 | $81.56 |
| TAS | $40.78 | $81.56 | $81.56 | $81.56 |
| NT | $40.78 | $81.56 | $81.56 | $81.56 |
Listed premiums a month, before the rebate. The rebate takes 24.118% off for most households under 65.
What beats it
For two dental visits and new glasses, from funds anyone can join:
- 1Latrobe Core Essential Extras+$49 ahead
- 2Health Partners Flex Extras: Eyes+$47 ahead
- 3HCF Flex My Extras+$45 ahead
Worked from the Australian Government’s Private Health Open Listing, 01-Oct-2026, with the same sums as the calculator: listed premiums after the rebate, benefits capped by each policy’s limits and waiting periods. Product code E50/NGWJ10 on privatehealth.gov.au. How the sums work.
This is general information, not personal financial advice. Confirm the premium and benefits with the fund before you buy or switch. Independent of every fund listed · No affiliate fees, no commissions.