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Family Health Insurance

Get more for your family.

Get a quick free quote. Who is this cover for?

Get more value from your health cover

Family Health Insurance

Get more back on the things that help families save, like Dental, Optical and Physio. There are so many benefits with Family Health Insurance.

Takes less than 30 seconds

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

Get great value health cover for your family

Choose from a range of Health Partners Family Health Insurance with awesome benefits.

  • Unreal value on Dental

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    Unreal value on Dental

    Choose Extras cover that has 100% back on kids’ dental check-ups, higher dental limits for the big stuff like crowns and root canal, and orthodontic cover that pays out in a lump sum when it’s time for braces.

  • No Hospital Excess

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    No Hospital Excess

    Choose Hospital Cover with options like no excess for kids, no excess for accidents or no excess at all to help manage unexpected costs

  • Generous limits for everyone

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    Generous limits for everyone

    Every family member gets their own limit on every benefit unless specified – no matter how many people are in your family.

  • Only pay $39 for scripts

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    Only pay $39 for scripts

    Pay a maximum of $39 per script, including meningococcal vaccine, IVF medication and travel vaccines. Up to $600 per person per year on Top Extras.

  • Unreal value on Dental

    Read more

    Unreal value on Dental

    Choose Extras cover that has 100% back on kids’ dental check-ups, higher dental limits for the big stuff like crowns and root canal, and orthodontic cover that pays out in a lump sum when it’s time for braces.

  • No Hospital Excess

    Read more

    No Hospital Excess

    Choose Hospital Cover with options like no excess for kids, no excess for accidents or no excess at all to help manage unexpected costs

  • Generous limits for everyone

    Read more

    Generous limits for everyone

    Every family member gets their own limit on every benefit unless specified – no matter how many people are in your family.

  • Only pay $39 for scripts

    Read more

    Only pay $39 for scripts

    Pay a maximum of $39 per script, including meningococcal vaccine, IVF medication and travel vaccines. Up to $600 per person per year on Top Extras.

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.

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 and the Health Partners Member Guide for more information.

Tip: Cover your kids until they’re 25

Keep your kids covered on your policy until they’re 25 with Family Focus cover or if they’re studying full time they can stay on your family policy at no extra cost when you register them.

Tip: Confusion free hospital cover

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

Every family deserves quality health cover

Get confusion free hospital cover for your family on any budget. Feel confident knowing exactly what you’re covered for if you need to go to hospital because every family deserves generous cover.

*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.

Want to choose your own Health Cover?

Get a quote in under 30 seconds

No one knows your family like you do. Mix and match your family health insurance with our full range of Hospital and Extras cover to suit your needs.

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.

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