Seniors

Health Insurance

Choose the best Seniors Health Insurance cover to help you look after yourself as you mature, whether you have specific health concerns or just want to minimise your out of pocket expenses when you do have treatment.

Seniors Health Insurance.
Get more value from your health cover.

Choose from a range of Health Partners cover to best suit your needs.

Hospital Cover More People Stay With

Confusion Free Hospital Cover

No Hospital Excess

Unlimited Emergency Ambulance

Join the award-winning health fund


Tip: Want to make sure you’re getting the best value?

Compare any exclusions, restrictions, annual limits, per person limits, and the amount you’ll get back each time you claim. Some funds will also have sub-limits which can affect how much you can claim each time.


Choose great value private health cover to suit your needs and budget

Cover prices for a single, starting from:

*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. 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.

~Members stay with our Hospital Cover longer than other open health funds, Private Health Insurance Ombudsman, State of Health Funds report 2020.

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


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