Hospital cover helps cover your costs when you are admitted to hospital as a private patient for services like:
Understanding Private Health Insurance
- Happy members that stay
- Big Benefits
- Not for Profit
- Covered Australia-wide
About Hospital Cover
- 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.
Important information about Australian Private Health Insurance
A waiting period is a specific period after a new cover has commenced during which benefits are not payable or benefits are only payable as per the entitlements of a previous cover or policy for treatment received.
The Australian Government Health Insurance rebate is the amount the Australian Government contributes to your private health insurance to reduce your premiums, to make private health insurance more affordable for all.
The Lifetime Health Cover loading (sometimes referred to as LHC) is an Australian Government initiative designed to encourage you to take out Hospital cover earlier in life, and to keep it.
The Medicare Levy Surcharge (MLS) is an additional levy of up to 1.5% above the standard 2% some taxpayers pay. The MLS is imposed on Australians who earn above $90,000 and don’t have an appropriate level of private Hospital cover.
You can reduce or eliminate the gap you pay when claiming on your Hospital cover by taking advantage of the Health Partners’ Access Gap Scheme.
The Australian Government Private Health Insurance reforms came into effect 1 April 2019. Find out more about how Health Partners adopted these changes, and how it will affect you, and your policy.
We know Health Insurance can be confusing, so we’ve put together a handy glossary covering all of the jargon and hard to understand stuff.
Private Health Insurance Ombudsman
The office of the Private Health Insurance Ombudsman has produced the following website privatehealth.gov.au to enable consumers to search for, and compare, selected features for all private health insurance products offered in Australia. You can find basic information on all Health Partners products in the website for the purpose of comparison only.
Private Health Information Statement
To find the Private Health Information Statement (PHIS) relevant to the cover you are on, click here, and take the following steps:
- Click on ‘Health Insurers’ from the top menu or click the ‘Find Insurers’ button
- Select Health Partners from the list
- From here, click the Policies tab. Complete your details and click the cover name to view the PHIS.
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