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Health Insurance Understanding Private Health Insurance

Understanding Private
Health Insurance

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

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.

About Extras Cover

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

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

Important information about Australian Private Health Insurance

Waiting Periods

A waiting period is the initial amount of time after joining private health cover for the first time or upgrading your cover when you can’t claim on certain goods, treatments and services.

Government Rebate

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.

Lifetime Health Cover

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.

Medicare Levy

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.

Reducing medical expenses

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.

Health Insurance

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.


No need to be embarrassed if you don’t know, check out our frequently asked questions to see if someone else has asked before.

Private Health Insurance Ombudsman

The Private Health Insurance Ombudsman (PHIO) can provide free and independent advice and may be contacted by calling 1300 362 072.

The office of the Private Health Insurance Ombudsman has produced the following website 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.

To find the Standard Information Statement (SIS) relevant to the cover you are on, click here, and take the following steps:

  1.  Click on ‘Health Funds’ in the top menu
  2.  Select Health Partners from the list
  3.  From here, click the Policies tab. Complete your details and click the cover name to view the SIS.

Any Questions?

Call 1300 113 113

Mon – Fri: 8am – 8pm
Sat: 9am – 1pm

Contact us

We’ll get back to you within
48 hours

Your waiting periods switch with you

You won’t need to re-serve equivalent waits

30 day cooling off period

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Over 80 years of experience

Caring for member’s health since 1937

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