ExtrasJar Silver Plus Advantage

Embrace the comprehensive care of our Silver Plus Advantage plan. Designed for those who prioritise superior coverage without the inclusion of services like pregnancy and weight loss surgery. Experience health benefits tailored specifically to your needs.

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Link up with your health insurance specialist and schedule a tailored discussion, today!

Your choice of Excess

ExtrasJar gives you the choice of three Excess options so you choose how much you want to pay should you be admitted to hospital.

Unlimited ambulance cover

Simple and reliable; unlimited emergency and non-emergency ambulance cover Australia wide for all medically necessary transport by air, land and sea.

Australia-wide cover

With over 550 participating hospitals and 36,000 Access Gap Doctors Australia-wide your cover will be right there with you whenever you need it.

ExtrasJar Silver Plus Advantage

Trusted Health Solutions with ExtrasJar & Phoenix Health

Waiting Periods for Hospital Cover

What is a Waiting Period?

A waiting period is the time you’ll need to wait before you can claim a benefit on your membership, and will apply whether you’re taking out private health insurance for the first time, switching to Phoenix Health from another fund, or you’re a current Phoenix Health member changing your level of cover.

Waiting periods for Hospital Cover

  • Pre-existing conditions (excluding Hospital Psychiatric services, Rehabilitation, and Palliative Care) - 12 Months
  • Pregnancy and birth - 12 Months
  • Hospital Psychiatric Services, Rehabilitation, and Palliative Care (regardless of whether they are pre-existing or not) - 2 Months
  • All other conditions that are not considered pre-existing - 2 Months
  • Hospital Care Programs - 2 Months
  • Hospital Treatment as the result of an accident - No waiting period

Waiting periods for Ambulance

  • Ambulance - 1 day

For all the information you need to know about Waiting Periods, including what happens if you’re new to private health insurance, transferring from another fund or a current Phoenix Health member changing your level of cover, click here.

The special things about our cover

Unlimited ambulance cover - medically necessary

Our cover provides you with unlimited cover for all medically necessary ambulance treatment and transport across Australia - road, air and sea.

Medically necessary means on-site treatment or transport to your closest hospital or emergency department for treatment of an acute medical condition or accident.

Excess waiver for dependants

We know you’ve got enough to worry about if your kids are sick so we always waive the Excess for dependants on your membership under the age of 25.

Travel and accommodation benefits

Benefits are available towards travel and accommodation expenses when travel of more than 300 kilometres return for a hospital admission is required. Contact us or refer to the Member Guide for more information about these benefits, and eligibility.

Hospital Care Programs

We’re with you throughout your hospital journey and have a range of programs available to help prepare you for a hospital admission and help you recover quicker at home.

More for members

We’re always looking for ways to add more value to your membership and we’re excited to share that our partnership with Phoenix Health gives you access to the Phoenix Health rewards program.

The program will to help you save on everything from groceries to prescription glasses, plus discounted eGift cards, special offers on everything from health and fitness, to electronics and entertainment – all with one easily accessible place.

Click here to check out Phoenix Health Rewards and start shopping!


Exclusive Benefits with Hospital + HSA

When you merge the robust coverage of our Hospital Insurance with the flexibility of ExtrasJar's Health Savings Account (HSA), you don't just get comprehensive health security – you also unlock exclusive benefits

12 Months No Platform Card Fees: Say goodbye to platform card fees for an entire year, putting an additional $60 back into your pocket.
Exclusive Promo: Your loved furry family members deserve the best too! Get an exclusive 5% discount on ExtrasJar Pet Insurance to ensure they receive top-tier care without the extra costs.
Elevate your health strategy and maximize your savings with this unbeatable combination!
*The 12 months platform and card fee free period commences on the second month after successfully opening an ExtrasJar Health Savings Account.