Great Value Hospital Cover

Waiting periods are set in accordance with the Government Rules and details applicable to the product are detailed on the Individual Cover Details.

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. Refer to our Member Guide and Hospital cover details for more information. 

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 contact 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 (up to 10% off). 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.

Most hospital policies cover emergency admissions, but it's essential to verify your specific policy details with your health fund. For more information on your Health Partners policy, contact us on 1300 113 113for more information. Remember that waiting periods may still apply for certain treatments, even in emergencies.

All Health Partners Hospital policies offer unlimited emergency ambulance (excludes closed products). This provides Australia-wide coverage for both road and air services, giving you peace of mind that you’re covered in the event of an emergency.

Hospital cover complements Medicare by offering additional benefits and greater choice when it comes to your health care needs and requirements. While Medicare covers public hospital treatment, private hospital insurance allows you to be treated as a private patient in either a public or private hospital.

Yes, one of the benefits of hospital insurance is the ability to choose your preferred doctor for hospital treatment. This choice and continuity of care is typically not available when treated as a public patient.