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Get confusion free hospital cover.

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

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

Why do I need Hospital cover?

Get confusion free
hospital cover


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

Takes less than 30 seconds

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

Why do I need Hospital cover?

Hospital cover gives you choice and control, by paying benefits towards the cost of private treatment and allowing you to:

  • Avoid public system waiting lists

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    Avoid public system waiting lists

    Choose your own timing for treatment in a private hospital, and don’t wait in pain for a spot on the public list – which can take months or even years.

  • Stay in a private room

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    Stay in a private room

    All levels of our Hospital policies cover you for a private room, provided there is one available.

  • Decide where you’ll be treated

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    Decide where you’ll be treated

    You get to choose which hospital you will be treated in, as well as when you will be treated.

  • Choose your specialists

    Read more

    Choose your specialists

    You can choose the doctor who treats you.

  • Avoid public system waiting lists

    Read more

    Avoid public system waiting lists

    Choose your own timing for treatment in a private hospital, and don’t wait in pain for a spot on the public list – which can take months or even years.

  • Stay in a private room

    Read more

    Stay in a private room

    All levels of our Hospital policies cover you for a private room, provided there is one available.

  • Decide where you’ll be treated

    Read more

    Decide where you’ll be treated

    You get to choose which hospital you will be treated in, as well as when you will be treated.

  • Choose your specialists

    Read more

    Choose your specialists

    You can choose the doctor who treats you.

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.

Choose confusion free Hospital cover

Choose from four levels of cover and have confidence knowing exactly what you’re covered for if you need to go to hospital.

Looking for Hospital and Extras? Compare 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 Hospital Cover

Hospital cover helps cover your costs when you are admitted to hospital as a private patient for services like:

  • Your accommodation fees
  • Your theatre, labour ward and intensive care fees
  • Doctor’s fees for procedures performed in hospital
  • Tests performed and medications prescribed whilst admitted to hospital.
Health Insurance for families

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

Testimonials 5 Stars

“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

Testimonials 5 Stars

“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

Testimonials 5 Stars

“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




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