Offer: Get 8 weeks free and instant access to extras when you join on eligible cover^


Get 8 weeks free and instant access to extras^

Enter promo code

8WFREE

when you join

Get 8 weeks free and instant access to extras when you join Hospital and Extras Cover by June 30.

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^This Offer is available for new members on new memberships who join and start a combined Hospital and Extras cover (eligible cover) by 30 06 2022 and who have not held Health Partners health cover in the last 6 months. If the new member maintains eligible cover continuously for 60 days from the cover start date and remains on an eligible combined cover during this period, they will receive 4 weeks free. The policyholder’s membership must be financial to receive this initial 4 weeks free. The initial 4 weeks free cover will be applied to the eligible cover within 30 paid days after completing 60 continuous days of paid membership to allow for data and processing time.

The member must maintain their eligible cover continuously for 365 days from the cover start date to receive an additional 4 weeks free (a total of 8 weeks free). If the policyholder changes to an ineligible cover during this period, or cancels their cover, this will not be issued. The policyholder’s membership must be financial to receive this offer.

1. The Promoter is Health Partners Limited ABN 43128282904 (“Promoter” or “Health Partners”).

2. The offer mechanism is described above.

3. By participating in this promotion, you agree to be bound by these terms and conditions.

4. The offer excludes employees and Board Members of Health Partners.

5. Not available in conjunction with any other offers. This offer is not transferrable or redeemable for cash

6. This offer is available per policy, not per person/member covered on a policy, and at a maximum of one offer per household.

7. Health Partners reserves the right to amend the offer terms and conditions without notice, including withdrawal.

Instant access applies to extras benefits with a 2 month waiting period only after the first contribution payment has been received. Annual limits, other waiting periods, restrictions and exclusions apply. Refer to Individual Cover details and Member Guide for full details.

Over 30 with no Hospital cover?

Join great value hospital cover by June 30 to avoid the Lifetime Health Cover (LHC) loading or loading increase.

I Stock 1144822413

What is the Lifetime Health Cover Loading?

Lifetime Health Cover (LHC) is an Australian Government initiative designed to encourage you to take out hospital cover earlier in life, and to keep it. It’s added onto your hospital premium if you wait until after you’re 31 to take it out.

If you join at 35 you’ll pay 10% more for the same policy, compared to someone who joined at 30. This loading is only on your hospital policy and remains in place for 10 continuous years.


Here's how it works:

  • You turn 31
  • You get Hospital Cover by June 30 and avoid the LHC
  • If you don’t, you’ll get stuck paying an extra 2% for Hospital Cover – that’s the LHC loading
  • For every year you're without Hospital Cover, your LHC loading increases by 2% to a max of 70%

Calculate your LHC loading

If you’re 31 or over, check your age to see how much extra LHC loading you could pay if you don’t have hospital cover on 1 July.

AgeLHC loadingWhat you'll pay extra per year
31 years old2%$57.54
32 years old4%$115.09
33 years old6%$172.63

34 years old

8%$230.17
35-65 years old

Continues to increase 2% every year

Example used for illustrative purposes. Calculations based on a 2022 Single Gold Hospital Complete cover $750 excess with the base tier rebate and 3% debit discount. The LHC percentage will be added to your hospital cover and will remain in place for 10 continuous years

How to avoid the LHC

Simple, just add Hospital Cover to your membership by June 30 following your 31st birthday.

Why is it added?

By law, we’re required to apply the LHC Loading to Hospital Cover when people join after their 31st birthday.

Choose the right cover


Why get hospital cover when there's a public system?

Jump the queue

Choose your own specialist

Have the same specialist care from start to finish

Recover in the privacy of your own room


Choose great value Hospital cover to suit your needs and budget

Choose from five levels of Hospital cover and have confidence knowing exactly what you’re covered for if you need to go to hospital.

Looking for Extras Cover? Compare here

Cover prices for a single, starting from:

*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. 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.

˜Members stay with our Hospital Cover a long time compared with other open health funds, Private Health Insurance Ombudsman, State of Health Funds report 2020 and 2021.

#Canstar 2019-2021. Compares Health Partners customer responses with average of other brands researched.

Switching from another health fund? No worries!


What our happy customers have to say


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Health Partners is committed to providing quality and affordable health care, and we value our members and our obligation to protect your privacy. As part of our responsibility in protecting your privacy, from time to time we review our policies to ensure we are meeting our obligations. We have recently made some updates to our Privacy Policy. Please click here to view the Health Partners Privacy Policy.

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