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Ambulance cover is available on ALL Health Partners’ covers. There are two types of cover: Non-Emergency Ambulance and Emergency Ambulance.
If non-emergency Ambulance is included in your cover, you will be covered in full if you call an ambulance – regardless of whether the service is classed as emergency or not.
If Emergency Ambulance is included in your cover, you will be covered in full for ambulance services that are deemed or classed as ‘emergency’ only.
To find out what level of Ambulance cover you have, and what the limits are, refer to individual cover details or the Health Partners Member Guide.
Forms are available at Health Partners locations or click here to download.
Under Privacy Laws, with the exception of the policyholder who can submit claims on behalf of anyone on the membership, each individual member on the membership can only submit and enquire about their own personal claims.
The only exception to this is if someone has been granted Delegation of Authority by the policyholder (any applicable benefit payments will still go to the member who received the service) or Power of Attorney – click here for details.
There are three Health Partners Dental centres in Adelaide:
Adelaide – Level 1, 101 Pirie Street
Morphett Vale – 118-120 Main South Rd
Modbury – Level 1, 27 Smart Rd
Phone: 1300 114 114
There are four Health Partners Optical centres in Adelaide:
Adelaide – 101 Pirie Street.
Phone: 1300 115 115
Goodwood – 92 King William Rd
Phone: 1300 116 116
Modbury – 27 Smart Rd
Phone: 1300 127 127
Morphett Vale – 118-120 Main South Rd
Phone: 1300 191 191
There are over 50 Health Partners Participating Pharmacies in South Australia. To search for the Health Partners Participating Pharmacy closest to you click here.
Natural Plus cover provides a wide range of natural therapies by recognised providers. Services include therapeutic and remedial massage, Bowen therapy, reflexology, Chinese herbalism, myotherapy and much more. Natural Plus is available with all levels of standalone Extras cover.
No. Lifetime Health Cover is a Federal Government initiative to encourage you to take out private Hospital Cover earlier in life.
For more information on Lifetime Health Cover visit the Department of Health and Ageing.
Members can view their cover details anytime via Members Online.
To find out more about Health Partners Extras Covers, click here. Alternatively, collect a product brochure at any Health Partners Optical or Dental centre. If you would like further information please call Health Partners on 1300 113 113, or come in and see us at Member Services.
Lifetime Health Cover is a Federal Government initiative to encourage you to take out private Hospital Cover earlier in life. For every year you are aged over 30 and do not have Hospital Cover, you will pay an additional 2% loading on top of your ‘base’ hospital contribution. The maximum loading for any person is 70%.
For a single policy, the loading is applied directly to the base hospital contribution rate. For a couple/family policy, the loading is calculated by taking the average of yours and your spouse's/partner’s loading, and then adding this new percentage to the base hospital contribution.
You will not have to pay a loading if you:
Have maintained Hospital Cover since 30 June 2000
Took out Hospital Cover before 30 June following your 31st birthday
Were born on or before 1 July 1934
Have recently migrated to Australia and you take out Hospital Cover within 12 months of entitlement to full Medicare benefits.
After 10 years of continuous Hospital Cover, any loading that you currently pay will be removed.
Health Funds in Australia are required by law to provide a Standard Information Statement, that provides basic cover information for the purpose of comparison only.
For more information on Standard Information Statements visit PrivateHealth.gov.au.
The Australian Government Rebate on private health insurance is available on all health cover premiums to Australian residents depending on your income for Medicare Levy Surcharge purposes. This includes both Hospital and Extras Cover. Members are eligible for a specific Rebate Tier (percentage) based on age and income for Medicare Levy Surcharge purposes. You may claim the rebate as a reduction in your premiums by nominating a Rebate Tier. Alternatively, you can claim the rebate via your tax return.
For more information on the Australian Government Rebate on private health insurance visit the Australian Taxation Office.
The Medicare Levy Surcharge (MLS) is a maximum 1.5% surcharge imposed on people who earn above a certain income and who do not have private hospital cover. The level of surcharge depends on your level of income for MLS purposes and is payable in addition to the Medicare Levy. It may apply for any period that you suspend your hospital cover, for example, if you suspend your cover for overseas travel.
For more information on the Medicare Levy Surcharge click here or visit the Australian Taxation Office.
Many medications cost much more than what you actually pay. The Australian Government provides a subsidy for many essential and commonly used medicines, so that you pay less. The PBS Schedule lists all medicines that are available at the Government-subsidised price.
For more information on the Pharmaceutical Benefits Scheme visit the Department of Health and Ageing.
The Code is a voluntary industry code designed to enhance standards of practice in the private health industry. In supporting the Code, we are committed to the following:
For a copy of the Code, visit www.privatehealthcareaustralia.org.au/codeofconduct/
Hospital cover helps pay for Medicare-recognised procedures when you are admitted to hospital. With all hospital cover options, you are eligible to receive benefits at your choice of participating hospital (private or public), Australia-wide.
If the procedure or service you require is included in your cover, Health Partners will:
Health Partners will also cover other allied health services provided during your admission, such as dental, physiotherapy and dietary in line with our agreement with the hospital and your level of extras cover.
You may have an out-of-pocket expense if the fees exceed the contracted allowances for these services.
What’s not covered
There are some situations where your Health Partners hospital cover will not cover you:
To find out what is covered: Hospital Cover | Package Cover
If you need to go to hospital, we recommend you contact Health Partners on 1300 113 113 prior to your admission to verify your level of cover, as well as any excess, co-payment or gap payments you may have to make
Many Health Partners hospital covers include an excess, although the excess is sometimes waived for child dependants depending on the level of cover you hold (refer to the product information sheets and PDS).
An excess is the amount you agree to pay towards your hospital accommodation, should you need to go to hospital. This is payable on admission, once only per person, to a maximum of twice per membership per rolling year (that is, you will never pay more than the yearly excess limit in a 12-month period). It is in addition to any out-of-pocket expenses (also known as ‘gaps’) incurred for in-hospital medical treatment.
Your chosen cover may have an excess only, an excess and a co-payment or no excess at all.
A co-payment is the daily amount you agree to pay (in addition to any applicable excess) towards your hospital accommodation. It may be waived for child dependants, depending on the level of cover you hold.
On covers that have a co-payment component, it is capped so that you know the maximum that may apply in a rolling year (that is, you will never pay more than the yearly co-payment limit in a 12-month period). It is in addition to any out-of-pocket expenses (also known as ‘gaps’) incurred for in-hospital medical treatment.
Please note that while the current suite of Health Partners products do not require you to pay a co-payment, you may have an older closed product that does.
Closed Cover Name
Type of Membership
Yearly Co-payment Limit (the maximum you may pay if admitted to hospital)
Gold Hospital 25*
Single or Sole Parent
Maximum of 5 days ($125)
Couple or Family
Maximum of 5 days ($125) per person, to a maximum of 10 days ($250) per membership
Gold Hospital 50*
Maximum of 5 days ($250)
Maximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership
Silver Hospital 250 with CoPay*
Silver Hospital 500 with CoPay *
Bronze Hospital 500 with CoPay
Couple, Family or Sole Parent
Where marked with an (*), the co-payment is waived for child/student dependants.
If you would prefer cover that does not include co-payments, you can compare your current cover (which you can view at any time in Members Online) with our newer products; just click on one of the following links or contact us on 1300 113 113.
Should you need hospital care, you can eliminate or reduce the gap with Health Partners Access Gap Scheme. When your doctor uses Health Partners Access Gap you will either:
Your doctor can bill Health Partners direct, to make claiming even simpler for you.
It is your doctor’s choice to use Access Gap on a patient-by-patient basis. It is important to ask your doctor if they, or any other assisting doctor, will participate in Health Partners Access Gap Scheme
Treatment received as an outpatient at a public hospital emergency department is free for all Australian citizens and permanent residents eligible for Medicare benefits. However, if you choose to attend a private hospital emergency department, you will have some out-of-pocket costs. These costs may include gap charges for services such as X-rays and other tests, as well as service facility fees (this fee may vary for each private hospital).
If you need recovery aids (such as crutches, wheelchair or compression garments) you can claim for the hire or purchase of these aids. For Gold, Silver and Bronze Extras and Bronze Plus Package, the benefit is 75%, up to $250 per person per year. For Platinum Package is 100%, up to $250 per person per year.
Platinum package does cover Emergency Department Facility Fee. The benefit is 100%, Limit of 1 per year, up to $250.
If you are admitted as a private patient, your private Hospital Cover will apply, provided relevant waiting periods have been served.
Lifetime Health Cover is a Federal Government initiative to encourage you to take out private Hospital Cover earlier in life. For every year you are aged over 30 and do not have hospital cover, you will pay an additional 2% loading on top of your ‘base’ hospital contribution. The maximum loading for any person is 70%.
After 10 years of continuous hospital cover, any loading that you currently pay will be removed.
For more information on Lifetime Health Cover visit the Department of Health and Ageing website.
Your Hospital Cover does not pay benefits towards medical fees charged in excess of the Medicare scheduled fee unless you doctor is participating in Health Partners Access Gap Scheme, or for any outpatient services (e.g. ultrasounds, X-rays in doctor’s rooms, MRI services, and unregistered day facilities).
For cosmetic surgery, Laser eye surgery (excluding the Prime Living package which does provide benefits for Laser eye surgery) and any other admissions where a Medicare rebate does not apply to the treatment procedures, restricted benefits apply which may result in significant out-of-pocket expenses.
Click to compare our Hospital or Package covers, or compare all covers in the Health Partners Member Guide.
To find out more about Health Partners Hospital Covers, click here. Alternatively, collect a product brochure at any Health Partners Optical or Dental centre or any Health Partners Participating Physiotherapist or Pharmacy. If you would like further information please call Health Partners on 1300 113 113, or come in and see us at Member Services.
Health Partners Member Services are located at:
Yes. You can suspend your full membership if you are travelling overseas for a minimum of 21 days and a maximum of two years.
In all circumstances, you must complete an ‘Application to Suspend Membership – Overseas Travel’ form prior to your departure. Please note that suspension applies to the whole membership and is not available if any person on the membership remains in Australia. In some cases, the Medicare Levy Surcharge will apply for the period that Hospital Cover is suspended.
To request a 'Application to Suspend Membership – Overseas Travel' form call Health Partners on 1300 113 113.
Your private health cover does not cover you outside Australia. For medical cover overseas, you should take out appropriate travel insurance. All Health Partners members receive a special price on Allianz Global Assistance Travel Insurance purchased through Health Partners.
For more information or to purchase travel insurance, click here, or call 1300 113 113 to request an Allianz Global Assistance travel insurance brochure.
A pre-existing condition is one where signs or symptoms of an ailment, illness or condition, in the opinion of a medical practitioner appointed by the fund, existed at any time during the six months preceding the date on which you purchased or upgraded your Hospital cover.
This does not apply to psychiatric conditions, palliative care and rehabilitation which have a 2 month waiting period (level of benefits may vary depending on the cover you purchased)
For more information please call Health Partners on 1300 113 113.
Health Partners is committed to providing quality and affordable health care services appropriate to your needs. We appreciate and highly value our relationship with you and we are committed to protecting your privacy. We comply with the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth) in relation to our handling of your personal information.
Health Partners respects and encourages individual members' choices when it comes to selecting the type of treatment/practitioner for their health needs. Provider registration is not to be taken as Health Partners’ endorsement or recommendation of any particular service, treatment or practitioner.
Joining Health Partners is easy. After you have read the brochure and PDS to ensure that you know what cover is right for you, you have four options to choose from:
If you currently have private health insurance and would like to transfer your membership to Health Partners, simply complete the ‘Transfer of membership from another fund’ section on your Membership Application form, or when joining online.
It is important to note that if you transfer to a higher level of cover you may have to serve waiting periods for any additional benefits. Health Partners Member Services consultants are happy to discuss this with you.
You can add a spouse/partner or dependant child to your membership by downloading a Membership Application form and sending it to Health Partners Reply Paid 1493, Adelaide SA 5001 or faxing to (08) 8113 2259.
Alternatively, you can contact Health Partners on 1300 113 113 to request an application form.
Dependants cannot be added to a membership online.
You can remove a spouse/partner or dependant child from your membership by downloading a Membership Application form and sending it to Health Partners Reply Paid , Adelaide SA 5001, or faxing to (08) 8113 2259.
Dependants cannot be removed from a membership online.
To update your address details log into Members Online and follow the prompts. Please note that registration is limited to the main member.
Alternatively, you can download an Update of personal member details form and send the signed form to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259 or contact Health Partners on 1300 113 113 to request an ‘Update of personal member details’ form. This form is also available at Health Partners Member Services, Optical and Dental centres.
Only the main member or authorised person can update these details for the membership, dependants may update their individual details.
Once you have updated your details with Medicare and have been issued with a new Medicare number, you will need to complete a Membership Application’form with these new details. Health Partners also requires a copy of your change-of-name certificate or marriage certificate.
You can request a ‘Membership Application’ form by calling 1300 113 113. This form is also available at Health Partners Member Services, Optical and Dental centres.
You can change your cover by downloading a ‘Membership Application’ form and sending it to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259.
Information on Health Partners Extras and Hospital cover is available online. If you have any questions regarding a suitable cover for you (or your family), please don’t hesitate to contact Health Partners directly.
If you are not satisfied with your new cover or change of cover we will refund your premiums in full, provided it is within 30 days of joining or changing your cover and no claims have been made.
At Health Partners we recognise that despite our best intentions, members may have concerns or complaints regarding their membership with us. To ensure that all feedback and concerns are heard and addressed fairly and satisfactorily, we have a formalised Resolutions Process. Click here for details.
Under Privacy Laws, the only people who can manage a membership – such as updating contact details, adding/removing dependants, changing level of cover – are the policyholder, a person they have provided Delegation of Authority to (some restrictions apply) or the policyholder’s Power of Attorney.
Click here for all the details.
A ‘premium’ is the amount you pay towards your private health cover.
Several payment options are available for paying your premiums:
Direct Debit (bank account or credit card). A 3% discount applies when selecting this option.
Payroll (available for payroll groups registered with Health Partners). Please contact Health Partners for more information.
Online via Members Online
In person at Member Services
In person at any Health Partners Optical or Dental centre
Phone – 1300 130 183
At any Australia Post office
Yes. If someone else will be paying your premiums, please ensure that the person completes the relevant sections on the Direct Debit Request form (also found on the Membership Application form).
It is important that you update your details with Health Partners as soon as possible. This will ensure that payments do not default and that your membership payments remain up-to-date.
You can update your direct debit details through Members Online. Please note that registration is restricted to the main member. Alternatively, you can update your direct debit details by downloading and completing a Direct Debit Request form or request one by calling Health Partners on 1300 113 113.
Credit card expiry dates can be updated over the phone provided you are the main member or have been granted prior authority. To grant authority to another person, please complete a Delegation of Authority form and send it to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax it to (08) 8113 2259.
Yes. To change the type or frequency of your payments, please contact Health Partners on 1300 113 113 and a Member Services consultant will advise you.
To apply for direct debit deductions and receive 3% discount on your premiums, please download a Direct Debit Request form and send the completed form to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259.
There are over 50 participating pharmacies in South Australia. For a list of locations click here.
With your Health Partners Extras Cover or Package cover you save 20% on most non-prescription items such as vitamins, cosmetics, gifts, toiletries and more. You also receive exclusive prescription benefits:
For more information on the Pharmaceutical Benefits Scheme visit the Department of Health and Ageing
When you join Health Partners without current health cover, you will have to wait a certain period of time before being eligible for health fund benefits. This is called a waiting period.
If you have health cover already, but are transferring to a higher level of cover, waiting periods may apply for all additional benefits.
For full details on waiting periods click here or call Health Partners on 1300 113 113.
If you join Health Partners within 30 days of cancelling your health cover with another fund, (where you had met waiting period requirements), you do not need to re-serve waiting periods.
In some cases, some waiting periods will apply: for example, if you are transferring to a higher level of cover. For full details on waiting periods click here, or call Health Partners on 1300 113 113.