- Claiming
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Cover
- Coronavirus FAQ's
- How we're supporting you during coronavirus
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Cover review
- How do I check my limits?
- Pre-existing conditions
- Suspending your cover
- Updating your details
- What am I covered for?
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
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Extras
- Ambulance explained
- Ante/Post Natal Services
- Dental Explained
- Extras limits explained
- Health Appliances
- Health Screening
- HICAPS & HealthPoint explained
- How does extras cover work?
- Natural Therapies
- Non PBS prescriptions
- Optical explained
- Set Benefits FAQ
- Telehealth Benefits
- Travel vaccines
- What is health maintenance?
- Forms
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Hospital
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Pregnancy
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Mental Health Waiver
- Entry Hospital
- Payments
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Premium Review
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
- OVHC
- Tax
- Frank + health.com.au
- Contact
What is a Private Health Information Statement (PHIS)?
What is a Private Health Information Statement (PHIS)?
All Australian health funds are required, by law, to provide a Private Health Information Statement (PHIS) for each product they offer.
The PHIS is an important tool to help people review their existing policy, or compare private health insurance products when they’re in the market.
You can think of a PHIS as a high-level overview of your cover. It outlines the key features of your cover, and the general waiting periods. Every PHIS for any private health insurance policy can also be found here.
There are three types of Private Health Information Statements:
- Hospital - describes the features and limitations of hospital cover, including the type of accommodation, which medical services are covered in full, part or not covered, waiting periods and additional payments (excesses, co-payments and gaps),
- General Treatment (commonly referred to as Extras) - describes the features and limitations of general treatment cover, including which services are covered, waiting periods, benefit limits and example benefits for each type of service, and
- Combined - describes the features and limitations of a combined hospital and general treatment cover, with details as above.
You shouldn’t completely rely on the specific dollar amounts of premiums that are shown on the PHIS. They’re indicative, and are there for comparison purposes only. Your actual premium may vary depending on your circumstances, such as income, how old you are, and your age when you first got health insurance. Benefits will vary depending on the details of your policy, the treatments you’re having, your health service provider, and the payment option you choose.
For a comprehensive look at your cover and what’s included, read your PHIS in conjunction with your health.com.au policy guide, once you login to your policy.