Offer: Get 6 weeks free and instant access to extras when you join on eligible cover^

Get 6 weeks free and instant access to extras^

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when you join

Get 6 weeks free and instant access to extras when you join Hospital and Extras Cover by January 31.

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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 31 01 2022 and who have not held Health Partners health cover in the last 6 months. The new member must quote the promo code 6WFREE at the time of joining and maintain eligible cover continuously for 60 days from the cover start date. If the policyholder changes to an ineligible cover during this period, 6 weeks free cover will not be issued. The policyholder’s membership must be financial to receive 6 weeks free and instant access to extras. The 6 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 Offer is not transferrable or redeemable for cash. The Offer excludes employees and Board Members of Health Partners. Not available in conjunction with any other offers. 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.

Earn over $90,000?

Can you benefit at tax time?

Learn how to avoid the Medicare Levy Surcharge (MLS) with great value Hospital Cover


Get a quick free quote.

Avoid the MLS

Tax time can be confusing enough without having to worry about the Medicare Levy Surcharge (MLS). That’s where Health Partners comes in.

If you’re single and earn over $90,000 (or $180,000 for families and couples), our private hospital cover could reduce your income taxes by avoiding the MLS.


Private hospital coverageNoYes

Health Partners Basic Hospital Plus

MLS at tax time$10002$0
Health Insurance Premiums$0$986.251
What this could mean...John is reliant on the public system. He could experience long wait times and high out-of-pocket expenses if he requires private elective surgery.

With an average trip costing over $1,0004, John could be up for a hefty emergency ambulance bill.

Jane saved $13.75 by holding hospital cover throughout the tax year. She can choose her procedure schedule, specialist and stay in her own room3. Jane is covered for accidents, even for categories listed as exclusions.

Jane's cover offers unlimited emergency ambulance.

1. Income and premiums displayed for the entire tax year. Quoted Basic Hospital Plus premiums are for a single living in SA earning $90,001-105,000 aged under 65 (include the Tier 1 Govt. Rebate, or 16.405%).

2. Assumes taxpayer has no dependents

3. If the procedure’s clinical category is included on the Basic Hospital Plus cover (includes Joint reconstructions, Tonsils, adenoids and grommets and Dental surgery). Private room is subject to availability.

4. SA Ambulance Service, 2021

Here's how it works

  • When you earn more than the above thresholds, you have to pay the MLS when you lodge your tax return.
  • The Australian Government introduced the MLS to reduce demand on the public health system by encouraging those on higher incomes to take out private health insurance. The MLS is additional to the standard Medicare Levy, which is unavoidable to most Australian taxpayers.
  • It’s worth mentioning you’re still eligible for Medicare if you hold private hospital 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

MLS Income Tiers

To make things simple, we’ve broken it down for you. The surcharge starts at 1% of your income for MLS purposes, rising as your income increases. So, take a look at the table below to see if health cover is right for you.

SinglesUnder $90,000$90,001 – $105,000$105,001 – $140,000$140,001+
FamiliesUnder $180,000$180,001 – $210,000$210,001 – $280,000$280,001+



Single parents and couples (including de facto couples) are subject to family tiers. For families with children, the thresholds are increased by $1,500 for each child after the first.

Choose great value private health cover to suit your needs and budget

Cover prices for a single, starting from:

*Premiums displayed are for applicants in SA on Tier 1 (16.405%) 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 for full details and to find your nearest Provider.

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

Compares open membership health funds within the 2020 State Of The Health Funds Report.

#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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