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Ambulance Cover

What is ambulance cover?

Ambulance cover is available on most Health Partners’ covers. There are two types of cover: Full Ambulance and Emergency Ambulance.

Full Ambulance

If Full 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 non-emergency. 

  • Cover for the full cost of the ambulance service up to a maximum of $20,000
  • Cover for services deemed by the ambulance provider as ‘emergency’ and ‘non-emergency’
  • Australia-wide coverage by road or air
  • Every service required on medical grounds (this excludes clinic-car type transport).

Emergency Ambulance

Some of our covers provide emergency ambulance cover only. 

If Emergency Ambulance is included in your cover, you will be covered for ambulance services that are deemed or classed as ‘emergency’ only, up to the limit specified on your policy. See your cover details for information

  • Australia-wide coverage by road or air, for emergency services required on medical grounds.

Find if you are covered on Extras Cover, Hospital Cover or Package cover

Claiming

What is HICAPS?

HICAPS (Health Industry Claims and Payment Services) is an electronic claiming system. Following your treatment, your service provider swipes your card and the Health Partners benefit is deducted, leaving you to pay the gap, which means no claim forms to complete. This is only available where the provider is registered on the HICAPS system.

I couldn't claim using HICAPS. Where can I get a claim form to manually claim my benefit?

Claiming at your fingertips 

For fast, paperless claiming you can download the Health Partners App from the App Store or Google Play.

Claim via mail 

To post us your claim, complete a Health Partners Member Claim Form.

Forms are available at Health Partners locations or click here to download.

Claim at Member Services 

Our friendly Member Services consultants can help process your claims, answer any questions and talk to you about other convenient claiming options.

 


What services can I claim for via HICAPS?

Health Partners recognises the following Extras services for on-the-spot claiming via HICAPS:

Dental (excluding orthodontics)
Optical
Physiotherapy
Chiropractic
Osteopathic
Podiatry
Acupuncture
Occupational Therapy
Psychology
Dietary
Speech Therapy

Can I claim for visits to my GP?

No. Fees for visits to your GP are only payable by Medicare.

How long do I have, after the date of service to claim a benefit?

You have two years from the service date to claim any benefit(s) available on your level of cover. However, we recommend you submit your claim at your earliest convenience. Please note that benefits count towards limits for the year in which the service was provided.

Once I have submitted a claim how do I receive my benefit?

You have two options for receiving your benefit – either credited directly into your bank account, or a cheque. Just remember to specify which method you would prefer when you complete your claim form. If you select Direct Credit, we will send you a statement advising that your benefit has been paid.

Can someone else submit claims for me?

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.

Extras Cover

What is Extras Cover?

Extras Cover provides benefits for a wide range of services that are not covered by Medicare. The most popular services include Optical, Dental, Physiotherapy, Chiropractic, Naturopathy, Dietary and Podiatry. The actual services covered and benefits paid will depend on your particular level of cover.

Where is my nearest Health Partners Dentist?

There are three Health Partners Dental centres in Adelaide:

Adelaide – Level 1, 101 Pirie Street
Woodcroft – 185–191 Bains Rd
Modbury – Level 1, 27 Smart Rd

Phone: 1300 114 114

Where is my nearest Health Partners Optometrist?

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

Woodcroft – 185-191 Bains Rd
Phone: 1300 191 191

Where is my nearest Health Partners Participating Pharmacy?

There are over 50 Health Partners Participating Pharmacies in South Australia. To search for the Health Partners Participating Pharmacy closest to you click here.

Where is my nearest Health Partners Participating Physiotherapist?

There are over 40 Health Partners Participating Physiotherapists in South Australia. To search for the Health Partners Participating Physiotherapist closest to you click here.

Can I use my own Dentist/Optometrist/Physiotherapist?

Yes. You are free to use the provider of your choice. The benefits you receive will depend on your level of cover. Higher benefits are available at Health Partners professionals.

What does Natural Plus Cover provide?

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 extras cover and all packages (except for Platinum which includes natural therapies).

Will having Extras Cover exempt me from paying Lifetime Health 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.

Where can I find information on levels of cover?

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 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.

Government Related

What is Lifetime Health Cover (LHC)?

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.

For more information on Lifetime Health Cover visit the Department of Health and Ageing.

What is a Standard Information Statement (SIS)?

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.

What is the Australian Government Rebate on private health insurance?

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.

What is the Medicare Levy Surcharge (MLS)?

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.

What is the Pharmaceutical Benefits Scheme (PBS)?

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.

What is the Private Health Insurance Code of Conduct?

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:

  • Continuously improving the standards of practice and service within Health Partners
  • Providing you with information in plain English – making it easier for you to understand
  • Training staff to ensure their competency in dealing with all enquiries
  • Ensuring all information between our members and Health Partners is protected in accordance with our Privacy Policy
  • Providing a reliable system to address any complaints you may have.

For a copy of the Code, visit www.ahia.org.au/codeofconduct

Hospital Cover

What is Hospital Cover?

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.

What’s covered

If the procedure or service you require is included in your cover, Health Partners will:

Pay for: 

  • Your accommodation in hospital (including registered day facilities)
  • Your theatre, labour ward and intensive care fees
  • All PBS prescriptions relating to your admission, while you’re in hospital
  • An extensive range of Government-recognised surgically implanted prosthesis
  • Access to a range of health management and support programs. 

Pay towards:

  • In-patient medical fees (see how to reduce your medical expenses on page 15)
  • A range of additional services depending on your level of cover. 

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:

  • Outpatient services 
  • Services at unregistered day facilities
  • Emergency department facility fees (unless otherwise specified).

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

What is an Excess?

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.

What is a Co-payment?

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*

Single or Sole Parent

Maximum of 5 days ($250)

 

Couple or Family

Maximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership

Silver Hospital 250 with CoPay*

Single or Sole Parent

Maximum of 5 days ($250)

 

Couple or Family

Maximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership

Silver Hospital 500 with CoPay *

Single or Sole Parent

Maximum of 5 days ($250)

 

Couple or Family

Maximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership

Bronze Hospital 500 with CoPay

Single

Maximum of 5 days ($250)

 

Couple, Family or Sole Parent

Maximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership

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.

How can I reduce the gap when I go to hospital?

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: 

  • have no gap to pay, or 
  • know your exact gap before treatment. 

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

Am I covered if I go to the emergency department?

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.

Will I be exempt from Lifetime Health Cover (LHC) if I have Hospital Cover?

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.

For more information on Lifetime Health Cover visit the Department of Health and Ageing website.

What does my Hospital Cover not cover me for?

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, emergency department facilities (excluding platinum), and unregistered day facilities).

For cosmetic surgery, laser eye surgery (excluding Platinum package which does cover 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.

The following levels of cover have exclusions and some restricted benefits, check the individual cover details to see  what is excluded under each:

Gold Value Hospital excluding Maternity
Silver Hospital
Bronze Hospital

Where can I find more information on my level of cover?

Members can view their cover details anytime via Members Online.

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.

Miscellaneous

Where are Health Partners Member Services located?

Health Partners Member Services are located at 101 Pirie Street, Adelaide and 27 Smart Road, Modbury.

Where is Health Partners Optical located?

For a list of Health Partners Optical locations click here.

Where is Health Partners Dental located?

For a list of Health Partners Dental locations click here.

Can I suspend my health cover to travel overseas?

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.

I am going overseas; am I still covered?

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.

What is a Pre-existing Condition (PEC)?

A pre-existing condition is an ailment, illness or condition the signs or symptoms of which, in the opinion of a medical practitioner appointed by the Fund, existed at any time during the six months preceding the day on which the contributor began paying premiums to the Fund or upgraded to a higher level of benefits.

A 12-month waiting period applies for pre-existing conditions. This does not apply to psychiatric conditions, palliative care and rehabilitation which have a 2-month waiting period. For more information, click here, or call Health Partners on 1300 113 113.

My membership card isn't working properly. What can I do?

If you have trouble using your membership card in HICAPS machines, you may need a new card. To order a replacement card, log into Members Online and follow the prompts. Please note that registration is limited to the main member.

Alternatively you can call or email Health Partners and we will issue you with a replacement card.

I am not happy with the way my problem was handled. What can I do?

Health Partners is committed to discussing and addressing your concerns promptly. For more information on Health Partners resolution process, please click here.

How will my personal information be treated?

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.

For a copy of Health Partners privacy policy click here.

What is HICAPS?

HICAPS (Health Industry Claims and Payment Service) is an electronic claiming system. When you receive treatment you can swipe your card and just pay the gap, which means no claim forms to fill in. This is only available where the provider is set up on the HICAPS system.

What is Health Partners' Fund ID?

Health Partners Fund ID (used for your Tax Return) is SPS.

Your choice of providers

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.

Membership

How do I join Health Partners?

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:

  1. Join now online
  2. Download a Membership Application form and send it to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259
  3. Complete the application form enclosed in the Health Partners brochure. Brochures are available at all Health Partners locations or request one by calling 1300 113 113.
  4. Join over the phone by calling 1300 113 113

How do I transfer to Health Partners from another fund?

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.

How can I add a dependant to my membership?

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.

How can I remove a dependant from my membership?

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.

Alternatively, you can contact Health Partners on 1300 113 113 to request an application form.

Dependants cannot be removed from a membership online.

How do I update my address details if I have moved?

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.

How do I update my details with Health Partners if I have changed my name?

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.

How can I change my type of cover if I am already with Health Partners?

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.

Alternatively, you can contact Health Partners on 1300 113 113 to request an application form.

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.

Is there a review/cooling off period when joining Health Partners?

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.

How do I make a complaint?

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. 

Can I nominate someone else to manage my membership?

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.  

Payments

What is a premium?

A ‘premium’ is the amount you pay towards your private health cover. 

How can I pay my premiums?

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

BPAY
In person at Member Services
In person at any Health Partners Optical or Dental centre
Phone
1300 130 183
At any Australia Post office

Can someone else pay my premiums on my behalf?

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).

What happens if I pay my premiums via Direct Debit and my bank account/credit card details change?

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.

Can I change the way I pay my premiums?

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.

Pharmacy

Where is my nearest Health Partners Participating Pharmacy?

There are over 50 participating pharmacies in South Australia. For a list of locations click here.

Do I receive any special benefits at Health Partners Participating Pharmacies?

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:

  • You pay a maximum of only $20 for all PBS prescriptions not already subsidised by the Government.
  • You pay a maximum of only $37 for private and compounding prescriptions
  • Plus, save even more on generic brand prescriptions where available.

What is the Pharmaceutical Benefits Scheme?

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

Waiting Periods

Will I have to serve any waiting periods?

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.

I previously had health insurance with another fund and would now like to join Health Partners. Will I have to re-serve waiting periods?

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.

What is a Pre-existing Condition (PEC)?

A pre-existing condition is an ailment, illness or condition the signs or symptoms of which, in the opinion of a medical practitioner appointed by the Fund, existed at any time during the six months preceding the day on which the contributor began contributions to the Fund or upgraded to a higher level of benefits.

A 12-month waiting period applies for pre-existing conditions. This does not apply to psychiatric conditions, palliative care and rehabilitation which have a 2-month waiting period. For more information, click here, or call Health Partners on 1300 113 113

 

Call to action: More Info

Like to know more?

Call Health Partners on 1300 113 113
or 1800 182 322 if you are outside the Adelaide metropolitan area or interstate.