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First Timers Health Insurance

Choose health cover for the stuff  you want to use like dental & physio, as well as cover you don’t want to use, for the unexpected like accidents & ambulance.

Takes less than 30 seconds

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

Get great value health cover for your first time

Choose from a range of Health Partners cover with awesome benefits.

  • Generous Extras you'll use

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    Generous Extras you'll use

    Get covered for Dental, Optical, Physio and more.

  • Ambulance cover comes standard

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    Ambulance cover comes standard

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

  • Confusion free hospital cover

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    Confusion free hospital cover

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

  • $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.

Tip:Over 31?

If you are over 31 and getting Hospital Cover for the first time you may be subject to the Government’s Lifetime Health Cover loading. You’ll need to complete your details in the online application including details of any prior cover you may have had to get your personalised quote.

Compare Health Insurance Options for First Timers

Choose the health cover that suits you best.

Mature first timer? Explore more solutions here

*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.

About Private Health Insurance

Private Health Insurance Hospital

What's Hospital Cover?

Hospital cover gives you the choice and comfort that the public system can’t by helping to cover your costs when you are admitted to a private hospital.

Private Hospital insurance can help you:

  • Avoid public system waiting lists
  • Stay in a private room, when available
  • Decide where you’ll be treated
  • Choose your specialists
  • Choose the timing of your treatment
Health Insurance for families
Health Insurance for Physio
Private Health Insurance Extras

What's Extras Cover?

Extras cover reduces your out-of-pocket costs for health services that generally aren’t covered by Medicare:

  • Dental
  • Optical
  • Pharmacy
  • Physiotherapy
  • Chiropractic
  • Massage

How can Health Insurance help me save?

The Government Lifetime Health Cover loading (LHC) adds 2% to your premium for every year you are aged over 30 and don’t have Hospital cover – up to a maximum of 70%.

For full details see Lifetime Health Cover

If you earn over $90,000 a year, you might need to pay the Medicare Levy Surcharge, an additional levy the government charges on top of the standard levy paid by most Australians to fund Medicare. Having Private Hospital cover means you could save every year.

Find out more on Medicare Levy Surcharge

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




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