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Private Health Insurance
Frequently Asked Question on ExtrasJar Health insurance
Understanding Private Health Insurance
A Guide to Understanding Private Health Insurance
Section 1: Australian Healthcare SystemsUnderstanding the Australian Healthcare System
Section 2: Government InitiativesA guide to Private Health Insurance and Government Initiatives
Section 3: Waiting PeriodsA guide to waiting periods for private health insurance
Which hospital should I use?How do I know which hospital to use?
Should I speak with the specialist before my procedure?Do I need to chat with someone before I have my procedure
Is there a gap scheme you use that will reduce or remove out of pocket expenses?Gap schemes and out of pocket expenses
What should I know before going into hospital?What to know before going to hospital
General FAQs
Most common hospital questions
Waiting Periods for Hospital Cover
Exclusions and RestrictionsA description of what is an exclusion and what is a restriction
What am I covered for, & what am I not covered for?Find out what you are covered for and not covered for
What is an Excess and Co-Payment?
Before going to hospital
Clinic Services by Hospital CoverFind out what Clinical Services are cover for each level of cover
How do I switch to ExtrasJar Hospital Cover?Switching
Will I have to serve waiting periods when I join Phoenix Health?Switching and upgrading and waiting periods
How do I claim?Making a claim
Is your Fund part of the Members Health Fund Alliance?
Am I covered for Ambulance?Ambulance cover and my hospital cover
Does my health insurance cover my children?Children and health insurance
Am I covered for Doctor visits or outpatient services?Doctor visits and outpatient services
Why do I need Private Health Insurance?
Switching your Hospital Cover
Hospital Care ProgramsFind out more about hospital care programs
Contribution Payment Options
Access Gap Cover SchemeAccess gap cover scheme and Medicare
How do I find a Provider?Finding a hospital and a provider
Government Incentives & Surcharges FAQ
Most common Government incentives and surcharges questions
What is Lifetime Health Cover?
What is Age-Based Discount?
What is the Medicare Levy Surcharge?
What is the Australian Government Rebate on Private Health Insurance?
General Information
This is the “fine print” page with necessary legal information. If you still have questions or would prefer to chat, give us a call; we’re happy to help.
Restriction and Exclusion RulesRestrictions and exclusion rules
Nursing Home Type PatientsPatients in hospital in excess of 35 days
International travel & purchases - Hospital Coverinternational travel and purchases
Submission of claims - Time period
30-day Cooling Off Period - Hospital Cover
Dependants - Hospital Cover
Hospital cover - Making a complaint or providing feedback
Overseas Travel - Temporary SuspensionHow to Suspend your membership