Hospital + ExtrasClosed

Gold Value 500

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 (22)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $36.50 Scale and clean (114): $69 Fluoride (121): $24	$800 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Extraction (322): $150 Full crown, veneered (615): $800	$800 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	2 months	Root canal obturation (417): $170	$800 a yearShared with General dental, Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 80% of the fee	$1,200 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 80% of the fee Multifocal lenses and frames: 80% of the fee	$240 a year
Non-PBS prescription medicines	2 months	Per prescription: $70	$250 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $50 Subsequent visit: $37	$400 a yearShared with Remedial massage, Exercise physiology
Chiropractic	2 months	Initial visit: $40 Subsequent visit: $30	$225 a yearShared with Acupuncture, Osteopathy
Podiatry	2 months	Initial visit: $44 Subsequent visit: $34	$200 a yearShared with Orthotics
Psychology	2 months	Initial visit: $75 Subsequent visit: $75	$250 a year
Acupuncture	2 months	Initial visit: $25 Subsequent visit: $25	$225 a yearShared with Chiropractic, Osteopathy
Remedial massage	2 months	Initial visit: $32 Subsequent visit: $25	$400 a yearShared with Physiotherapy, Exercise physiology
Blood glucose monitors	2 months	Blood glucose monitor: 80% of the fee	$200 a year
Dietetics	2 months	Initial visit: $60 Subsequent visit: $40	$150 a year
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $30	$400 a yearShared with Physiotherapy, Remedial massage
Orthoptics	2 months	Initial visit: $45 Subsequent visit: $44	$400 a yearShared with Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 80% of the fee	$100 a year
Occupational therapy	2 months	Initial visit: $60 Subsequent visit: $40	$400 a yearShared with Orthoptics, Speech therapy
Orthotics	2 months	Per pair of orthotics: 80% of the fee	$200 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $40 Subsequent visit: $30	$225 a yearShared with Chiropractic, Acupuncture
Speech therapy	2 months	Initial visit: $85 Subsequent visit: $45	$400 a yearShared with Orthoptics, Occupational therapy
Vaccinations	2 months	Per vaccination: $70	$250 a yearShared with Non-PBS prescription medicines

Not covered: Hearing aids, Audiology (hearing tests), Chinese herbal medicine, Antenatal and postnatal care, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics)
$800 a year
Orthodontics (braces)
$1,200 a year, $1,200 lifetime
Glasses and contact lenses
$240 a year
Non-PBS prescription medicines, Vaccinations
$250 a year
Physiotherapy, Remedial massage, Exercise physiology
$400 a year
Also includes other services not listed
Chiropractic, Acupuncture, Osteopathy
$225 a year
Also includes other services not listed
Podiatry, Orthotics
$200 a year
Psychology
$250 a year
Blood glucose monitors
$200 a year
Also includes other services not listed
Dietetics
$150 a year
Orthoptics, Occupational therapy, Speech therapy
$400 a year
Health management programs
$100 a year

Insurer's notes (original English)

Other services

*Non PBS Pharmaceuticals excludes contraceptives and items purchased over the counter

Special features

*Non PBS Pharmaceuticals excludes contraceptives and items purchased over the counter

Frequently asked questions

How much does Gold Value 500 pay for a scale and clean?

According to government data, Gold Value 500 pays up to $69 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Gold Value 500?

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, Blood glucose monitors 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 2 months, Occupational therapy 2 months, Orthotics 2 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Gold Value 500 be bought on its own?

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

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