Hospital cover helps cover your costs when you are admitted to hospital as a private patient for services like:
Understanding Private Health Insurance
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
- 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
Surcharge
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.
Youth Discount
The Youth Discount is an initiative designed by the Australian Government that allows Private Health Insurers to offer a premium discount on hospital cover for 18 to 29 year olds.
Health Insurance
Glossary
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.
FAQs
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 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.
To find the Standard Information Statement (SIS) relevant to the cover you are on, click here, and take the following steps:
- Click on ‘Health Funds’ in the top menu
- Select Health Partners from the list
- From here, click the Policies tab. Complete your details and click the cover name to view the SIS.
Any Questions?
Mon – Fri: 8am – 8pm
Sat: 9am – 1pm
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
To make sure you’re happy
Over 80 years of experience
Caring for member’s health since 1937
