Hospital + ExtrasClosed

Silver Everyday Hospital 500 & Everyday Extras 60

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): 100% of the fee Scale and clean (114): 100% of the fee Fluoride (121): 100% of the fee	No annual limit
Major dental	12 months	Extraction (322): 60% of the fee Full crown, veneered (615): 60% of the fee	$800 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$800 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$800 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 60% of the fee Multifocal lenses and frames: 60% of the fee	$260 a year
Non-PBS prescription medicines	2 months	Per prescription: 60% of the fee	$250 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$800 a yearShared with Chiropractic, Acupuncture, Remedial massage, Exercise physiology, Osteopathy
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$800 a yearShared with Physiotherapy, Acupuncture, Remedial massage, Exercise physiology, Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a year
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$600 a yearShared with Orthoptics, Occupational therapy, Speech therapy
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$800 a yearShared with Physiotherapy, Chiropractic, Remedial massage, Exercise physiology, Osteopathy
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$800 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Exercise physiology, Osteopathy
Blood glucose monitors	12 months	Blood glucose monitor: 60% of the fee	$600 a year
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a yearShared with Health management programs
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$800 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Osteopathy
Orthoptics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$600 a yearShared with Psychology, Occupational therapy, Speech therapy
Health management programs	2 months	Health management program: 60% of the fee	$200 a yearShared with Dietetics
Occupational therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$600 a yearShared with Psychology, Orthoptics, Speech therapy
Orthotics	2 months	Per pair of orthotics: 60% of the fee	$300 a year
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$800 a yearShared with Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Exercise physiology
Speech therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$600 a yearShared with Psychology, Orthoptics, Occupational therapy
Vaccinations	2 months	Per vaccination: 60% of the fee	$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
No annual limit
Major dental, Root canal (endodontics)
$800 a year
Orthodontics (braces)
$800 a year, $2,100 lifetime
Glasses and contact lenses
$260 a year
Non-PBS prescription medicines, Vaccinations
$250 a year
Physiotherapy, Chiropractic, Acupuncture, Remedial massage, Exercise physiology, Osteopathy
$800 a year
Podiatry
$300 a year
Psychology, Orthoptics, Occupational therapy, Speech therapy
$600 a year
Blood glucose monitors
$600 a year
Also includes other services not listed
Dietetics, Health management programs
$200 a year
Also includes other services not listed
Orthotics
$300 a year

Insurer's notes (original English)

Other services

*$400 sublimit for Physiotherapy/ Myotherapy & Exercise Physiology; $400 sublimit for Chiropractic, Osteopathy, Remedial Massage & Acupuncture; up to overall combined limit of $800. *$200 sublimit per modality for Mental Health (including Psychology & Counselling), Speech Therapy, Eye Therapy, Occupational Therapy; up to overall combined limit of $600. *Aids to Recovery (including Blood Glucose monitors) have a sublimit of $200 per item, up to overall limit of $600 every 2 years. *Non PBS Pharmacy benefit applies after PBS co-payment applied.

Special features

100% benefit available on preventative dental services– includes items 012, 013, 111, 114, 115, 121, 161. Claimable once per appointment, up to twice per person per calendar year.

Frequently asked questions

How much does Silver Everyday Hospital 500 & Everyday Extras 60 pay for a scale and clean?

According to government data, Silver Everyday Hospital 500 & Everyday Extras 60 pays 100% of the fee for a 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 Silver Everyday Hospital 500 & Everyday Extras 60?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 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 12 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 Silver Everyday Hospital 500 & Everyday Extras 60 be bought on its own?

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

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