- Extras cover gives you affordable access to services that generally aren’t covered by Medicare and that aren’t covered by your hospital cover.
- Some of the most popular services include dental, optical, physiotherapy, chiropractic and pharmacy.
- You can choose from ‘standalone extras’ cover or a ‘package cover’ which combines extras and hospital in the one package for you.
- You also have the option of using your extras cover at your own recognised provider, or at a Health Partners professional.
Extras cover helps pay towards a range of health services. If the service you require is included in your cover, Health Partners will help you cover the costs by paying the benefit specific to your cover.
To compare extras cover, view the summary of services table.
Save with Health Partners professionals
For the highest possible benefits for dental, optical, physiotherapy and pharmacy, you can choose a Health Partners professional.
When you visit a Health Partners Dental centre, you can get back as much as 100% and no less than 60% on general dental treatment. Major dental treatment is also available on most covers, with benefits ranging from 60% to 100%.
You can expect unbeatable benefits and discounts when you visit a Health Partners Optical centre. You get back as much as 100% and no less than 60% for optical prescription items (including contact lenses and sunglasses). Plus, our unique ‘unlimited benefit’ means that if you reach your annual limits, you can keep on saving on prescription items at a minimum of 40%.
Health Partners Participating Pharmacies
We have a state-wide network of participating pharmacies where you receive on-the-spot benefits and discounts. Pharmacy benefits are included on all levels of extras covers and are available at participating pharmacies.
For National Extras members can receive a benefit when items are purchased at other pharmacies outside the metro area.
Health Partners Participating Physiotherapists
When you visit any one of our participating physiotherapists you will pay a low, set gap or no-gap at all for most treatments, allowing you to save more. Physiotherapy benefits are included on all levels of extras covers.
You have the option of claiming benefits for extras services at your own recognised provider. You can contact us to determine if your provider is a Health Partners recognised provider.
A benefit is the amount you receive back when you make a claim. If the service you require is included in your cover, Health Partners will help you cover the costs by paying the benefit specific to your cover. For more information, please refer to what's covered or contact us.
- The examples listed for dental benefits are subject to change annually. You may contact us at any time for a benefit quote.
Except where otherwise stated, benefits and limits are per person, per calendar year.
There are instances when extras benefits are not payable, such as when a provider is not recognised by us or when your health cover payments are not up to date. If you’re unsure, it’s always best to contact us.
- If transferring, benefits paid by your previous fund within the current calendar year or specified period will count towards your limits with Health Partners for the same calendar year or period.
- Not all benefits are listed on this website for all extras services. To check if a specific item is covered, please contact us.
For most extras services, there are limits to the amounts that you can claim back or the number of times you can claim a benefit, during the calendar year or the specified period. Health Partners offers some unlimited benefits and discounts – allowing you to save more. All of our limits are per person unless otherwise stated. For more information please refer to what's covered.
Some extras services have lifetime limits which indicate the total amount you can claim in your lifetime. Once you reach the limit, no further benefits will apply. For more information please visit what's covered.
Waiting periods are the initial periods after joining or upgrading your extras cover during which you cannot claim extras benefits.
If you haven’t already served waiting periods, after two months you can claim benefits for all extras services available on your level of cover, except for the following, where the respective waiting periods apply:
| Major Dental
| Laser Eye Surgery
Waiting periods when you transfer from another fund
If you transfer from another fund with an equivalent level of cover, and have served the relevant waiting periods, you can obtain immediate access to all services on your selected level of cover. A 12-month waiting period applies to any higher limits on your new Health Partners cover for Orthodontic, Laser Eye Surgery (Platinum package) and CPAP Apparatus. During this time you will receive the same benefits as your previous level of cover.
If you transfer to a higher level of cover, waiting periods apply to the additional benefits available on the higher level of cover. During this time you will receive the same benefits and pay the same excess and co-payment (for hospital or package cover) as the Health Partners equivalent of your previous level of cover.
Where your previous cover had excluded benefits, waiting periods will apply for these specific services.
If you have only partially served waiting periods with your previous fund, the remainder of the waiting period will be served with Health Partners.
Any loyalty bonuses or accrued entitlements with your former fund are not transferable to Health Partners.
When you transfer, we will explain to you which benefits you can claim immediately and the waiting periods that apply (if any).
Waiting periods when you change your cover
For current members changing their level of cover, waiting periods only need to be served for the additional benefits on the new level of cover. During this period you will receive the same benefits as your previous level of cover.
When you change your cover, we will explain to you which benefits you can claim immediately and the waiting periods that apply (if any).