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Find out more about the
Private Health Insurance reforms

  • Happy members that stay
  • Big Benefits
  • Not for Profit
  • Covered Australia-wide

What does this mean for me?

The Australian Government Private Health Insurance reforms come into effect from 1 April 2019.

Read on to find out more about how Health Partners will be adopting these changes, and how it will affect you, and your policy.

Changes to Hospital Cover

Hospital cover will be categorised as Gold, Silver, Bronze or Basic

Compulsory change from 1 April 2019

From April 1, Health funds will be required to categorise their hospital policies as Gold, Silver, Bronze or Basic, according to the level of cover they provide. The Government has also set minimum policy inclusions for each category level.

Because Health Partners has always classified Hospital cover as Gold Silver or Bronze, this requires a name change to most of our existing and historical products.

In most cases our cover exceeded the minimum requirements for a category and means the classification has increased from what it was classed as previously or will include the word Plus, indicating the inclusions are above the minimum requirements..

By mid-March members should have received direct communication from us outlining the change to their product name, if you haven’t please contact us to let us know.

To see how each product name has changed, see our table below.

Old Product NameNew Product NameOpen or Closed Product to people joining after 1 April 2019
Gold Value Hospital with MaternityGold Hospital Open
Gold Value Hospital excluding MaternitySilver Hospital PlusOpen
Gold HospitalClassic Hospital GoldClosed to new members
Gold Hospital 25Classic Hospital Gold 25Closed to new members
Gold Hospital 50Classic Hospital Gold 50Closed to new members
Silver Hospital 500Classic Hospital Gold 500Closed to new members
Silver Hospital 250Classic Hospital Gold 250Closed to new members
Silver HospitalHeritage Hospital Silver PlusClosed to new members
Bronze Hospital 500Classic Hospital Silver PlusClosed to new members
Bronze HospitalClassic Hospital Bronze Plus Closed to new members

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Additional Excess options available

Voluntary change from 1 April 2019

Health Partners will have the option to offer hospital policies with higher excess levels. Until now, we’ve been restricted to offering a maximum excess of $500 for singles and $1000 for families.

From April 1 we will have a new product suite offering a range of excess options to help you manage costs, from zero to $750.

The new products below are available form 1 April 2019 and will have additional excess options available.

Product name
Gold Hospital 0250500750
Silver Hospital Plus0 250500750
Silver Hospital 500750
Bronze Hospital500750
Please note additional excess options will not be available on any closed products.

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Standardised clinical definitions

Compulsory from 1 April 2019

All private health funds will have to use standardised definitions when listing what’s covered by their hospital policies.

For example, ‘Dental Surgery’ will be the only acceptable term to describe services which may otherwise have been listed as ‘wisdom teeth’ or ‘surgical removal of wisdom teeth’.

Full list of clinical definitions

Hospital treatments by clinical category
Rehabilitation
Hospital psychiatric services
Palliative care
Brain and nervous system
Eye (not cataracts)
Ear, nose and throat
Tonsils, adenoids and grommets
Bone, joint and muscle
Joint reconstruction
Kidney and bladder
Male reproductive system
Digestive system
Hernia and appendix
Gastrointestinal endoscopy
Gynaecology
Miscarriage and termination of pregnancy
Chemotherapy, radiotherapy and immunotherapy for cancer
Pain Management
Skin
Breast surgery (medically necessary)
Diabetes management (excluding insulin pumps)
Heart and vascular system
Lung and chest
Blood
Back, neck and spine
Plastic and reconstruction surgery (medically necessary)
Dental surgery
Podiatric surgery (provided by a registered podiatric surgeon)
Implantation of hearing devices
Cataracts
Joint replacements
Dialysis for chronic kidney failure
Weight loss surgery
Insulin pumps
Pain management with device
Sleep studies
Pregnancy and birth
Assisted reproductive services

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Youth Discount

Voluntary change from 1 April 2019

Due to legislative changes as part of the reforms, from April 1st 2019 Health Partners can introduce a Youth Discount to help make Private Health Insurance even more affordable for young Australians.

If you’re under 30 years old, you could save up to 10% on your premiums and be able to keep your discount until you’re 41.

If you’re already a member you’re still eligible for the discount, we’ll automatically apply it to your policy.

Find out more about the Youth Discount 

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Changes to Extras Cover

Extras products can no longer have names that contain Gold, Silver, or Bronze.

Compulsory change from 1 April 2019

Because of changes to Hospital cover categories, Extras cover will no longer be able to have names that contain Gold Silver or Bronze. As a result Health Partners are required to change the names of all of Extras products.

By mid-March members should have received direct communication from us outlining the change to their product name, if you haven’t please contact us to let us know.

To see how each product name has changed, see our table below.

Current Product Name New Product Name
National ExtrasNational Extras
Gold ExtrasTop Extras
Silver ExtrasStandard Extras
Bronze ExtrasStarter Extras
Natural PlusNatural Therapies

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Removal of coverage for naturopathy, Pilates and some other natural therapies

Compulsory from 1 April 2019

The Australian Government has imposed that cover for the following natural therapies will be removed from all private health insurance products:

  • Alexander technique
  • Aromatherapy
  • Bowen therapy
  • Buteyko
  • Feldenkrais,
  • Western herbalism
  • Homeopathy
  • Iridology
  • Kinesiology
  • Naturopathy
  • Pilates
  • Reflexology
  • Rolfing
  • Shiatsu
  • Tai chi
  • Yoga

What does this mean for me?

The Australian Government Private Health Insurance reforms come into effect from 1 April 2019.

Read on to find out more about how Health Partners will be adopting these changes, and how it will affect you, and your policy.