Hospital + ExtrasClosed

Gold Classic Cover

A Hospital + Extras product from Phoenix Health Fund. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (25)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $44 Scale and clean (114): $83 Fluoride (121): $29	No annual limit
Major dental	12 months	Extraction (322): $160 Full crown, veneered (615): $875	$4,400 a year
Root canal (endodontics)	2 months	Root canal obturation (417): $170	No annual limit
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 80% of the fee	$2,400 lifetime
Glasses and contact lenses	6 months	Single vision lenses and frames: 80% of the fee Multifocal lenses and frames: 80% of the fee	$310 a year
Non-PBS prescription medicines	2 months	Per prescription: $70	$500 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $50 Subsequent visit: $37	$800 a yearShared with Remedial massage, Exercise physiology
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $30	$450 a yearShared with Acupuncture, Osteopathy
Podiatry	2 months	Initial visit: $44 Subsequent visit: $34	$400 a yearShared with Orthotics
Psychology	2 months	Initial visit: $75 Subsequent visit: $75	$500 a year
Acupuncture	2 months	Initial visit: $25 Subsequent visit: $25	$450 a yearShared with Chiropractic, Osteopathy
Remedial massage	2 months	Initial visit: $32 Subsequent visit: $25	$800 a yearShared with Physiotherapy, Exercise physiology
Hearing aids	12 months	Per hearing aid: $900	$1,700 a year
Blood glucose monitors	2 months	Blood glucose monitor: 80% of the fee	$900 a year
Antenatal and postnatal care	2 months	Initial visit: $30 Subsequent visit: $30	Not stated
Dietetics	2 months	Initial visit: $60 Subsequent visit: $40	$300 a year
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $30	$800 a yearShared with Physiotherapy, Remedial massage
Orthoptics	2 months	Initial visit: $45 Subsequent visit: $44	$500 a yearShared with Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 80% of the fee	$150 a year
Home nursing	2 months	Initial visit: $15 Subsequent visit: $15	$500 a year
Occupational therapy	2 months	Initial visit: $60 Subsequent visit: $40	$500 a yearShared with Orthoptics, Speech therapy
Orthotics	2 months	Per pair of orthotics: 80% of the fee	$400 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $40 Subsequent visit: $30	$450 a yearShared with Chiropractic, Acupuncture
Speech therapy	2 months	Initial visit: $85 Subsequent visit: $45	$500 a yearShared with Orthoptics, Occupational therapy
Vaccinations	2 months	Per vaccination: $70	$500 a yearShared with Non-PBS prescription medicines

Not covered: Audiology (hearing tests), Chinese herbal medicine

Annual limits

Services in the same group share one limit.

General dental
No annual limit
Major dental
$4,400 a year
Root canal (endodontics)
No annual limit
Orthodontics (braces)
$2,400 lifetime
Glasses and contact lenses
$310 a year
Non-PBS prescription medicines, Vaccinations
$500 a year
Physiotherapy, Remedial massage, Exercise physiology
$800 a year
Also includes other services not listed
Chiropractic, Acupuncture, Osteopathy
$450 a year
Also includes other services not listed
Podiatry, Orthotics
$400 a year
Psychology
$500 a year
Also includes other services not listed
Hearing aids
$1,700 a year, 2 per 5 years
Also includes other services not listed
Blood glucose monitors
$900 a year
Also includes other services not listed
Antenatal and postnatal care
10 per year
Dietetics
$300 a year
Orthoptics, Occupational therapy, Speech therapy
$500 a year
Health management programs
$150 a year
Also includes other services not listed
Home nursing
$500 a year

Insurer's notes (original English)

Other services

*Non PBS Pharmaceuticals excludes items purchased over the counter

Special features

*Overall Major Dental limit $4400, with Sub Limits of $1000 for Inlays, Onlays & Veneers; $1600 for Crowns & Bridges; $1500 for Implants. Lifetime Orthodontics limit of $2400 per person.

Frequently asked questions

How much does Gold Classic Cover pay for a scale and clean?

According to government data, Gold Classic Cover pays up to $83 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: No annual limit.

What are the waiting periods for Gold Classic Cover?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 2 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Hearing aids 12 months, Blood glucose monitors 2 months, Antenatal and postnatal care 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Gold Classic Cover be bought on its own?

This product combines hospital and Extras in one policy, with Gold hospital cover.

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