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Compare Health Insurance

Compare Health Insurance that gives you affordable cover and generous benefits. Health Partners covers you for the big stuff as well as surprises, while giving you affordable access to things you’ll actually use.

Compare Health Insurance

Compare Health Insurance that gives you affordable cover and generous benefits. Health Partners covers you for the big stuff as well as surprises, while giving you affordable access to things you’ll actually use.

Comparison takes less than 30 seconds

  • Confusion free
    hospital cover

    Read more

    Confusion free
    hospital cover

    Feel confident knowing exactly what you’re covered for if you need to go to hospital.

  • Generous Extras
    you’ll use

    Read more

    Generous Extras
    you’ll use

    Separate limits for Crowns and Root Canals, Unlimited General Dental & Optical plus fixed cost Physio visits from just $12.

  • Ambulance cover comes standard

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    Ambulance cover comes standard

    All our cover includes Emergency Ambulance cover as standard so whether you choose Hospital or Extras, you’ll have cover.

  • $12 Physio, over and over.

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    $12 Physio, over and over.

    Fixed cost Physio visits, $12 on Top Extras. Over and over. You’ll always know what your out-of-pocket is.

Limits, waiting periods, restrictions and exclusions may apply. Benefits vary according to cover level- those noted throughout this page provide a snapshot of some that may apply on Top Extras when using a Health Partners Participating Provider, and may relate to specific item numbers or incorporate further terms and conditions. Refer to individual cover details  for more information.

Canstar Most Satisfied Customers 2019 Health Insurer

We’ve officially been recognised by Canstar for having Australia’s Most Satisfied Health Insurance Customers, after being rated the highest of 36 Health Insurers Australia-wide.

  • Confusion free
    hospital cover

    Read more

    Confusion free
    hospital cover

    Feel confident knowing exactly what you’re covered for if you need to go to hospital.

  • Generous Extras
    you’ll use

    Read more

    Generous Extras
    you’ll use

    Separate limits for Crowns and Root Canals, Unlimited General Dental & Optical plus fixed cost Physio visits from just $12.

  • Ambulance cover comes standard

    Read more

    Ambulance cover comes standard

    All our cover includes Emergency Ambulance cover as standard so whether you choose Hospital or Extras, you’ll have cover.

  • $12 Physio, over and over.

    Read more

    $12 Physio, over and over.

    Fixed cost Physio visits, $12 on Top Extras. Over and over. You’ll always know what your out-of-pocket is.

Canstar Most Satisfied Customers 2019 Health Insurer

We’ve officially been recognised by Canstar for having Australia’s Most Satisfied Health Insurance Customers, after being rated the highest of 36 Health Insurers Australia-wide.

Limits, waiting periods, restrictions and exclusions may apply. Benefits vary according to cover level- those noted throughout this page provide a snapshot of some that may apply on Top Extras when using a Health Partners Participating Provider, and may relate to specific item numbers or incorporate further terms and conditions. Refer to individual cover details  for more information.

  • Happy members that stay 100% owned by members
  • Big Benefits Enjoy generous limits on a range of services
  • Not for profit Our profits are invested back to benefit our members
  • SA’s own Health Fund Peace of mind wherever you are
  • Happy members that stay 100% owned by members
  • Big Benefits Enjoy generous limits on a range of services
  • Not for profit Our profits are invested back to benefit our members
  • SA’s own Health Fund Peace of mind wherever you are

Hospital cover

Compare from four levels of hospital cover and feel confident knowing exactly what you’re covered for if you need to go to hospital.

  • Included
  • Excluded
  • Restricted benefits

Hospital cover

Compare from four levels of hospital cover and feel confident knowing exactly what you’re covered for if you need to go to hospital.

Extras Cover

Compare from three levels of Extras cover that gives you more. Look after yourself with affordable access to things you’ll actually use, like Dental, Optical, Physio and Pharmacy.

*Premiums displayed are for applicants in SA entitled to base tier Australian Government Rebate, nil Lifetime Health Cover loading and $750 excess (relating to Hospital Cover only), and paid via direct debit.

Limits, waiting periods, restrictions and exclusions may apply. Benefits vary according to cover level- those noted throughout this page provide a snapshot of some that may apply when using a Health Partners Participating Provider or Hospital, and may relate to specific item numbers or incorporate further terms and conditions. Physiotherapy benefits listed are for an initial or subsequent visit with a General Physiotherapist at a Participating Provider. 20% Pharmacy discount applies to most non-prescription items at Participating Pharmacies, to eligible Health Partners members with Extras cover. Conditions and exclusions apply, refer www.healthpartners.com.au/generous-extras/pharmacy/ for full details and to find your nearest Provider.

Refer to individual cover details  and the Health Partners Member Guide for more information.

Extras cover

Compare from three levels of Extras cover that gives you more. Look after yourself with affordable access to things you’ll actually use, like Dental, Optical, Physio and Pharmacy.

  • Included
  • Excluded
  • Restricted benefits

*Premiums displayed are for applicants in SA entitled to base tier Australian Government Rebate, nil Lifetime Health Cover loading and $750 excess (relating to Hospital Cover only), and paid via direct debit.

Limits, waiting periods, restrictions and exclusions may apply. Benefits vary according to cover level- those noted throughout this page provide a snapshot of some that may apply when using a Health Partners Participating Provider or Hospital, and may relate to specific item numbers or incorporate further terms and conditions. Physiotherapy benefits listed are for an initial or subsequent visit with a General Physiotherapist at a Participating Provider. 20% Pharmacy discount applies to most non-prescription items at Participating Pharmacies, to eligible Health Partners members with Extras cover. Conditions and exclusions apply, refer www.healthpartners.com.au/generous-extras/pharmacy/ for full details and to find your nearest Provider.

Refer to individual cover details  and the Health Partners Member Guide for more information.

The importance of having Private Health Insurance

Private Health Insurance pays for life-saving treatments, births and treatments that improve and extend your quality of life, as well as allowing you to have treatment on your terms, rather than at the mercy of public hospital wait lists.

In Australia, Private Health Insurance still pays for the majority of cases across a range of common procedures.

Proportion of procedures paid for by Private Health Insurance in Australia

Source: AIHW

59% of all knee replacements

(64% in private sector)

65% of all sinus and complex middle ear procedures

(72% in private sector)

64% of all gastroscopies, an examination of the interior of the stomach

(72% in private sector)

63% of all tonsils and/or adenoids removals

(61% in private sector)

Commonly Asked Questions

The Australian Government sets the maximum waiting periods that health funds can enforce for hospital treatment. They are:

  • 12 months for pre-existing conditions
  • 12 months for pregnancy
  • Two months for psychiatric care, rehabilitation or palliative care, even for pre-existing conditions
  • Two months in all other circumstances

There’s usually no waiting period if you need hospital or medical treatment because of an accident that happens after you’ve joined a health fund.

If you have cover with another fund and are transferring, your waiting periods will be honoured as long as you’re switching to a comparable or equivalent level of cover. If you’re taking a higher level of cover than before, waiting periods will only apply to the new services you didn’t previously have cover for or any higher benefits that are available when upgrading.

Depending on your level of cover, you might need to pay a hospital excess and/or co-payment when you’re admitted to hospital.

Before going to hospital, make sure you ask your specialist and/or surgeon to give you a written copy of all costs associated with your procedure. Then call us and we’ll be able to tell you what your out-of-pocket-costs will be.

Health Insurance is legislated by the government which means the government sets a maximum amount of discount that can be offered by health funds, making Health Insurance fair for all Australians. We understand that health insurance can be expensive, but by paying your premium by direct debit you’ll receive a 3% discount.

Get a premium discount on Hospital Cover for 18 – 29 year olds and keep it till you’re 41. The younger you are when you take out hospital cover, the higher your discount. Once you have your age-based discount, it will stay in place until you turn 41 years old.

When joining us, we’ll contact your insurer and cancel your cover the day you join, making sure you have no break in cover.

Prefer to see what cover suits your lifestyle?

What our happy customers have to say

“I choose Health Partners because it is a member operated and not-for-profit fund, and has its own great professional services.”

Greg, Morphett Vale

“I chose Health Partners because I believe I get the best value, and dealing with them is easy. Thanks for your help over the last 20+ years.”

Beverly, Wynn Vale

“I find they give me the best cover for all my needs and any time I have a query, the staff are so helpful with the information”

June, Fulham Gardens

Your waiting periods switch with you

You won’t need to re-serve equivalent waits

30 day cooling off period

To make sure you’re happy

Over 80 years of experience

Caring for member’s health since 1937

Busy? Get a call back