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

Frequently asked questions

Ambulance Cover

What is Ambulance Cover

Ambulance cover is available on ALL Health Partners’ covers. There are two types of cover: Non-Emergency Ambulance and Emergency Ambulance.

Non-Emergency Ambulance

If Non-Emergency Ambulance is included in your cover, you will be covered in full if you call an ambulance – regardless of whether the service is classed as emergency or not.

  • Cover for the full cost of the ambulance service up to a maximum of $20,000.
  • Cover for service deemed by the ambulance provider as ‘emergency’ and ‘non-emergency’.
  • Australia-wide coverage by road or air.
  • Service required on medical grounds (this excludes clinic-car type transport).

Emergency Ambulance

If Emergency Ambulance is included in your cover, you will be covered in full for ambulance services that are deemed or classed as ‘emergency’ only.

  • Cover for the full cost of an emergency ambulance call-out up to a maximum of $20,000.
  • Australia-wide coverage by road or air, for emergency service required on medical grounds.

To find out what level of Ambulance cover you have, and what the limits are, refer to individual cover details or the Health Partners Member Guide.

Claiming

What is HICAPS

HICAPS (Health Industry Claims and Payment Services) is an electronic claiming system. Following your treatment, your service provider swipes your card and the Health Partners benefit is deducted, leaving you to pay the gap, which means no claim forms to complete. This is only available where the provider is registered on the HICAPS system.

I couldn’t claim using HICAPS. How else can I claim my benefit?

Claiming at your fingertips
For fast, paperless claiming you can download the Health Partners App from the App Store or Google Play.

Claim via mail

To post us your claim, complete a Health Partners Member Claim Form.
Forms are available at Health Partners locations or click here to download.

Claim at Member Services

Our friendly Member Services consultants can help process your claims, answer any questions and talk to you about other convenient claiming options.

What services can I claim for via HICAPS?

Health Partners recognises the following Extras services for on-the-spot claiming via HICAPS:
Dental (excluding orthodontics)
Optical
Physiotherapy
Chiropractic
Osteopathic
Podiatry
Acupuncture
Occupational Therapy
Psychology
Dietary
Speech Therapy
Remedial Massage (provider-dependant)

Can I claim for visits to my GP?

No. Fees for visits to your GP are only payable by Medicare.

How long do I have after the date of service to claim a benefit?

You have two years from the service date to claim any benefit(s) available on your level of cover. However, we recommend you submit your claim at your earliest convenience. Please note that benefits count towards limits for the year in which the service was provided.

Once I have submitted a claim how do I receive my benefit?

Most members prefer the convenience of us depositing their claims benefit payment directly into a bank account for them, but if required, we can pay your benefits via cheque. Just remember to specify which method you would prefer when you complete your claim form. If you select Direct Credit Deposit, we will send you a statement advising that your benefit has been paid.

Benefits for unpaid accounts will be sent directly to the provider.

Can someone else submit claims for me?

Yes, any adult listed on the membership can submit a claim for another person on the membership, however, the resulting benefit we pay will go to the person the claim is about (or the policyholder if the claim is for a dependant under 18 years of age).

Extras Cover

What is Extras cover?

Extras cover provides benefits for a wide range of services that are not covered by Medicare. The most popular services include Optical, Dental, Physiotherapy, Chiropractic, Naturopathy, Dietary and Podiatry. The actual services covered and benefits paid will depend on your particular level of cover.

Where is my nearest Health Partners Dentist?

There are three Health Partners Dental centres in Adelaide:
Adelaide – Level 1, 101 Pirie Street
Modbury – Level 1, 27 Smart Road
Morphett Vale – 118-120 Main South Road

Phone: 1300 114 114

Where is my nearest Health Partners Optometrist?

There are four Health Partners Optical centres in Adelaide:
Adelaide – 101 Pirie Street.
Phone: 1300 115 115

Goodwood – 92 King William Road
Phone: 1300 116 116

Modbury – 27 Smart Road
Phone: 1300 127 127

Morphett Vale – 118-120 Main South Road
Phone: 1300 191 191

Where is my nearest Health Partners Participating Pharmacy?

There are over 50 Health Partners Participating Pharmacies in South Australia. To search for the Health Partners Participating Pharmacy closest to you click here.

Where is my nearest Health Partners Participating Physiotherapist?

There are over 50 Health Partners Participating Physiotherapists in South Australia. To search for the Health Partners Participating Physiotherapist closest to you click here.

Can I use my own Dentist/Optometrist/Physiotherapist?

Yes. You are free to use the provider of your choice. The benefits you receive will depend on your level of cover. Higher benefits are available at Health Partners professionals.

What does Natural Plus cover provide?

Natural Plus cover provides a wide range of natural therapies by recognised providers. Services include therapeutic and remedial massage, Bowen therapy, reflexology, Chinese herbalism, myotherapy and much more. Natural Plus is available with all levels of standalone Extras cover

Will having Extras cover exempt me from paying Lifetime Health Cover?

No. Lifetime Health Cover is a Federal Government initiative to encourage you to take out private hospital cover earlier in life.
For more information on Lifetime Health Cover visit the Department of Health and Ageing.

Where can I find information on levels of cover?

Members can view their own cover details anytime via Members Online.

To find out more about Health Partners Extras covers, refer to individual cover details or the Health Partners Member Guide. The Member Guide is available at any Health Partners Optical or Dental centre or any Health Partners Participating Physiotherapist or Pharmacy. If you would like further information please call Health Partners on 1300 113 113, or come in and see us at Member Services.

Government Related

What is Lifetime Health Cover (LHC)?

Lifetime Health Cover is a Federal Government initiative to encourage you to take out private hospital cover earlier in life. For every year you are aged over 30 and do not have hospital cover, you will pay an additional 2% loading on top of your “base” hospital premium. The maximum loading for any person is 70%.

For a single policy, the loading is applied directly to the base hospital premium rate. For a couple/family policy, the loading is calculated by taking the average of yours and your spouse’s/partner’s loading, and then adding this new percentage to the base hospital premium.

You will not have to pay a loading if you:

  • have maintained hospital cover since 30 June 2000;
  • took out hospital cover before 30 June following your 31st birthday;
  • were born on or before 1 July 1934; or
  • have recently migrated to Australia and you take out hospital cover within 12 months of entitlement to full Medicare benefits.

After 10 years of continuous hospital cover, any loading that you currently pay will be removed.

For more information on Lifetime Health Cover visit the Department of Health and Ageing.

What is a Standard Information Statement (SIS)?

Health funds in Australia are required by law to provide a Standard Information Statement that provides basic cover information for the purpose of comparison only.

For more information on Standard Information Statements visit PrivateHealth.gov.au.

What is the Australian Government Rebate on private health insurance?

The Australian Government Rebate on private health insurance is available on all health cover premiums to Australian residents depending on your income for Medicare Levy Surcharge purposes. This includes both hospital and Extras cover. Members are eligible for a specific Rebate Tier (percentage) based on age and income for Medicare Levy Surcharge purposes. You may claim the rebate as a reduction in your premiums by nominating a Rebate Tier. Alternatively, you can claim the rebate via your tax return.

For more information on the Australian Government Rebate on private health insurance visit the Australian Taxation Office.

What is the Medicare Levy Surcharge (MLS)?

The Medicare Levy Surcharge (MLS) is a maximum 1.5% surcharge imposed on people who earn above a certain income and who do not have Private Hospital cover. The level of surcharge depends on your level of income for MLS purposes and is payable in addition to the Medicare Levy. It may apply for any period that you suspend your Hospital cover, for example, if you suspend your cover for overseas travel.

For more information on the Medicare Levy Surcharge click here or visit the Australian Taxation Office.

What is the Pharmaceutical Benefits Scheme (PBS)?

Many medications cost much more than what you actually pay. The Australian Government provides a subsidy for many essential and commonly used medicines, so that you pay less. The PBS Schedule lists all medicines that are available at the government-subsidised price.

For more information on the Pharmaceutical Benefits Scheme visit the Department of Health and Ageing.

What is the Private Health Insurance Code of Conduct?

The Code is a voluntary industry code designed to enhance standards of practice in the private health industry. In supporting the Code, we are committed to the following:

  • continuously improving the standards of practice and service within Health Partners;
  • providing you with information in plain English – making it easier for you to understand;
  • training staff to ensure their competency in dealing with all enquiries;
  • ensuring all information between our members and Health Partners is protected in accordance with our Privacy Policy; and
  • providing a reliable system to address any complaints you may have.

For a copy of the Code, visit http://www.privatehealthcareaustralia.org.au/codeofconduct/

Hospital cover

What is Hospital cover?

Hospital cover helps pay for eligible Medicare-recognised procedures when you are admitted to hospital. With all Hospital cover options, you are eligible to receive benefits at your choice of participating hospital (private or public), Australia-wide.

What’s covered?

If the procedure or service you require is included in your cover, Health Partners will:

Pay for: 

  • your accommodation in hospital (including registered day facilities);
  • your theatre, labour ward and intensive care fees;
  • all PBS prescriptions relating to your admission, while you’re in hospital; and
  • an extensive range of Government-recognised surgically implanted prostheses.

Select covers also provide access to a range of wellness services and support programs.

Pay towards:

Health Partners will also cover other allied health services provided during your admission, such as dental, physiotherapy and dietary in line with our agreement with the hospital and your level of Extras cover.

You may have an out-of-pocket expense if the fees exceed the contracted allowances for these services.

What’s not covered?

There are some situations where your Health Partners Hospital cover will not cover you:

  • outpatient services such as ultrasounds, X-rays in doctor’s rooms, MRI services;
  • specialist appointments before or after surgery;
  • services at unregistered day facilities; and
  • emergency department facility fees.

To find out what is covered: Hospital cover  |  Package cover

If you need to go to hospital, we recommend you contact Health Partners on 1300 113 113 prior to your admission to verify your level of cover, as well as any excess, co-payment or gap payments you may have to make.

What is an Excess?

Many Health Partners Hospital covers include an excess, although the excess is sometimes waived for child dependants depending on the level of cover you hold (refer to the Health Partners Member Guide).

An excess is the amount you agree to pay towards your hospital accommodation, should you need to go to hospital. This is payable on admission, once only per person, to a maximum of twice per membership per rolling year (that is, you will never pay more than the yearly excess limit in a 12-month period). It is in addition to any out-of-pocket expenses (also known as “gaps”) incurred for in-hospital medical treatment.

Your chosen cover may have an excess only, an excess and a co-payment or no excess at all.

What is a Co-payment?

A co-payment is the daily amount you agree to pay (in addition to any applicable excess) towards your hospital accommodation. It may be waived for child dependants, depending on the level of cover you hold.

On covers that have a co-payment component, it is capped so that you know the maximum that may apply in a rolling year (that is, you will never pay more than the yearly co-payment limit in a 12-month period). It is in addition to any out-of-pocket expenses (also known as “gaps”) incurred for in-hospital medical treatment.

Please note that while the current suite of Health Partners products do not require you to pay a co-payment, you may have an older closed product that does.

Closed Cover NameType of MembershipYearly Co-payment Limit (the maximum you may pay if admitted to hospital)
Gold Hospital 25*Single or Sole ParentMaximum of 5 days ($125)
Couple or FamilyMaximum of 5 days ($125) per person, to a maximum of 10 days ($250) per membership
Gold Hospital 50*Single or Sole ParentMaximum of 5 days ($250)
Couple or FamilyMaximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership
Silver Hospital 250 with CoPay*Single or Sole ParentMaximum of 5 days ($250)
Couple or FamilyMaximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership
Silver Hospital 500 with CoPay *Single or Sole ParentMaximum of 5 days ($250)
Couple or FamilyMaximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership
Bronze Hospital 500 with CoPaySingleMaximum of 5 days ($250)
Couple, Family or Sole ParentMaximum of 5 days ($250) per person, to a maximum of 10 days ($500) per membership

If you would prefer cover that does not include co-payments, you can compare your current cover (which you can view at any time in Members Online) with our newer products; just click on one of the following links or contact us on 1300 113 113.

How can I reduce the gap when I go to hospital?

Should you need hospital care, you can eliminate or reduce the gap with Health Partners Access Gap Scheme. When your doctor uses Health Partners Access Gap you will either:

  • have no gap to pay; or
  • know your exact gap before treatment.

Your doctor can bill Health Partners direct, to make claiming even simpler for you.

It is your doctor’s choice to use Access Gap on a patient-by-patient basis. It is important to ask your doctor if they, or any other assisting doctor, will participate in Health Partners Access Gap Scheme

Am I covered if I go to the emergency department?

Treatment received as an outpatient at a public hospital emergency department is free for all Australian citizens and permanent residents eligible for Medicare benefits. However, if you choose to attend a private hospital emergency department, you will have out-of-pocket costs. These costs may include gap charges for services such as X-rays and other tests, as well as service facility fees (this fee may vary for each private hospital).

If you need recovery aids (such as crutches, wheelchair or compression garments) you can claim for the hire or purchase of these aids if you have the appropriate level of cover, such as our Gold Hospital cover.

If you are admitted as a private patient, your private Hospital Cover will apply, provided relevant waiting periods have been served.

Will I be exempt from Lifetime Health Cover (LHC) if I have Hospital Cover?

Lifetime Health Cover is a Federal Government initiative to encourage you to take out private Hospital Cover earlier in life. For every year you are aged over 30 and do not have Hospital cover, you will pay an additional 2% loading on top of your “base” hospital premium. The maximum loading for any person is 70%.

For a single policy, the loading is applied directly to the base hospital premium rate. For a couple/family policy, the loading is calculated by taking the average of yours and your spouse’s/partner’s loading, and then adding this new percentage to the base hospital premium.

You will not have to pay a loading if you:

  • have maintained Hospital Cover since 30 June 2000;
  • took out Hospital Cover before 30 June following your 31st birthday;
  • were born on or before 1 July 1934; or
  • have recently migrated to Australia and you take out Hospital Cover within 12 months of entitlement to full Medicare benefits.

After 10 years of continuous Hospital cover, any loading that you currently pay will be removed.

For more information on Lifetime Health Cover visit the Department of Health and Ageing website.

What does my Hospital Cover not cover me for?

Your Hospital Cover does not pay benefits towards medical fees charged in excess of the Medicare scheduled fee unless your doctor is participating in Health Partners Access Gap Scheme, or for any outpatient services (e.g. ultrasounds, X-rays in doctor’s rooms, MRI services, and unregistered day facilities).

For cosmetic surgery, Laser eye surgery (excluding the Prime Living package which does provide benefits for Laser eye surgery) and any other admissions where a Medicare rebate does not apply to the treatment procedures, restricted benefits apply which may result in significant out-of-pocket expenses.

Click to compare our Hospital or Package covers, or compare all covers in the Health Partners Member Guide.

Where can I find more information on my level of cover?

Members can view their cover details anytime via Members Online.

To find out more about Health Partners Hospital Covers, click here. Alternatively, collect a Member Guide booklet at any Health Partners Optical or Dental centre. If you would like further information please call Health Partners on 1300 113 113, or come in and see us at Member Services.

Membership

How do I join Health Partners?

Joining Health Partners is easy. After you have read the Member Guide and PDS to ensure that you know what cover is right for you, you have four options to choose from:

  1. Join online.
  2. Join over the phone by calling 1300 113 113.
  3. Download a Membership Application form and send it to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259.
  4. Request an application form by calling us on 1300 113 113.

How do I transfer to Health Partners from another fund?

If you currently have private health insurance and would like to transfer your membership to Health Partners, simply complete the ‘Transfer of membership from another fund’ section on your Membership Application form, or when joining online.

It is important to note that if you transfer to a higher level of cover you may have to serve waiting periods for any additional benefits. Health Partners Member Services consultants are happy to discuss this with you.

How can I add or remove a partner/spouse/child (i.e. Dependant) to my membership?

You can add a spouse/partner or dependant child to your membership by downloading a Membership Application form and sending it to Health Partners Reply Paid 1493, Adelaide SA 5001 or faxing to (08) 8113 2259.

Alternatively, you can contact Health Partners on 1300 113 113 to request an application form.

While newborns can be added to a membership online within 60 days of the baby’s birth, other dependants cannot.

How do I update my address details if I have moved?

To update your address details log into Members Online and follow the prompts. Please note that registration is limited to the policyholder.

Alternatively, you can download an Update of personal member details form and send the signed form to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259 or contact Health Partners on 1300 113 113 to request an ‘Update of personal member details’ form. This form is also available at Health Partners Member Services, Optical and Dental centres.

Only the policyholder or authorised person can update these details for the membership, dependants may update their individual details.

How do I update my details with Health Partners if I have changed my name?

Once you have updated your details with Medicare and have been issued with a new Medicare number, you will need to complete a Change of Name form with these new details. Health Partners also requires a copy of your change-of-name certificate or marriage certificate.

You can request a ‘Membership Application’ form by calling 1300 113 113. This form is also available at Health Partners Optical and Dental centres.

How can I change my type of cover if I am already with Health Partners?

You can change your cover by downloading a Membership Application form and sending it to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259.

Alternatively, you can contact Health Partners on 1300 113 113 to request an application form.

Information on Health Partners Extras and Hospital cover is available online. If you have any questions regarding a suitable cover for you (or your family), please don’t hesitate to contact Health Partners directly.

Is there a review period when joining Health Partners?

If you are not satisfied with your new cover or change of cover we will refund your premiums in full, provided it is within 30 days of joining or changing your cover and no claims have been made.

How do I make a complaint?

At Health Partners we recognise that despite our best intentions, members may have concerns or complaints regarding their membership with us. To ensure that all feedback and concerns are heard and addressed fairly and satisfactorily, we have a formalised Resolutions Process. Click here for details. 

I am not happy with the way my problem was handled. What can I do?

Health Partners is committed to discussing and addressing your concerns promptly. For more information on Health Partners resolution process, please click here.

Can I nominate someone else to manage my membership?

Under Privacy Laws, the only people who can change aspects of a membership – such as updating contact details, adding/removing dependants, changing level of cover – are the policyholder, a person they have provided Delegation of Authority to (‘DOA’; some restrictions apply) or the policyholder’s Power of Attorney.

A partner/spouse on the membership who doesn’t have DOA can still make general enquiries about the membership – such as what date cover is paid up to, what the premium price is – and can also submit claims for someone else on the membership.

Click here for all the details.

Miscellaneous

Where are Health Partners Member Services located?

Health Partners Member Services are located at 101 Pirie Street, Adelaide; 27 Smart Road, Modbury; and 118-120 Main South Road, Morphett Vale.

Where is Health Partners Optical located?

For a list of Health Partners Optical locations click here.

Where is Health Partners Dental located?

For a list of Health Partners Dental locations click here.

Can I suspend my Health cover to travel overseas?

Yes. You can suspend your full membership if you are travelling overseas for a minimum of 21 days and a maximum of two years.

In all circumstances, you must complete an ‘Application to Suspend Membership Overseas Travel form prior to your departure. Please note that suspension applies to the whole membership and is not available if any person on the membership remains in Australia. In some cases, the Medicare Levy Surcharge will apply for the period that Hospital cover is suspended.

To request an ‘Application to Suspend Membership Overseas Travel’ form call Health Partners on 1300 113 113 or download one from the Forms page.

I am going overseas; am I still covered?

Your private health cover does not cover you outside of Australia. For medical cover overseas, you should take out appropriate travel insurance. All Health Partners members can purchase travel insurance through Allianz Global Assistance Travel Insurance through Health Partners.

For more information or to purchase travel insurance, click here, or call 1300 113 113 to request an Allianz Global Assistance travel insurance brochure.

My membership card isn’t working properly. What can I do?

If you have trouble using your membership card in HICAPS machines, you may need a new card. To order a replacement card, log into Members Online and follow the prompts. Please note that registration is limited to the policyholder.

Alternatively you can call or email Health Partners and we will issue you with a replacement card.

I am not happy with the way my problem was handled. What can I do?

Health Partners is committed to discussing and addressing your concerns promptly. For more information on Health Partners resolution process, please click here.

How will my personal information be treated?

Health Partners is committed to providing quality and affordable health care services appropriate to your needs. We appreciate and highly value our relationship with you and we are committed to protecting your privacy. We comply with the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth) in relation to our handling of your personal information.

For a copy of Health Partners privacy policy click here.

What is HICAPS?

HICAPS (Health Industry Claims and Payment Service) is an electronic claiming system. When you receive treatment you can swipe your card and just pay the gap, which means no claim forms to fill in. This is only available where the provider is set up on the HICAPS system.

What is Health Partners’ Fund ID?

Health Partners’ Fund ID (used for your Tax Return) is SPS.

Your choice of providers

Health Partners respects and encourages individual members’ choices when it comes to selecting the type of treatment/practitioner for their health needs. Provider registration is not to be taken as Health Partners’ endorsement or recommendation of any particular service, treatment or practitioner. To find a Health Partners provider click here. For more information about Provider Recognition click here.

Payments

What is a premium?

A premium is the amount you pay towards your private health cover. This was previously referred to as a “contribution”.

How can I pay my premiums?

There are a number of ways you can pay your premiums. When joining, you can select from the following payment options:

Direct Debit

This option entitles you to a 3% discount on your premiums. Your premiums may be deducted from a nominated bank account or credit card.

Account notice

Account notices will be posted to you and you can pay using any of these methods:

  • BPAY, Australia Post Billpay, Visa, Mastercard, American Express and EFTPOS.
  • 24 hour Australia Post Bill Pay phone service 131 816 (Visa and Mastercard only).
  • Calling Member Services on 1300 113 113.
  • Online via Members Online.
  • In person at Health Partners Member Services or any Health Partners Optical or Dental centre.

Payments via Visa and Mastercard may take up to 48 business hours to be loaded on to your membership.

Payroll

This option is only available for payroll groups registered with Health Partners. Please enquire with your employer or call us for details.

Payment frequency

The following options are available:

  • Fortnightly*
  • Monthly#
  • Quarterly
  • Half-yearly
  • Yearly

*Fortnightly payments are only available for payroll or direct debit deductions from a bank account on Fridays. # Monthly payments can only be paid via direct debit deductions (from a bank account or credit card). You can choose from the 1st, 8th, 15th or 22nd of the month.

Can someone else pay my premiums on my behalf?

Yes. If someone else will be paying your premiums, please ensure that the person completes the relevant sections on the Direct Debit Request form (also found on the Membership Application form).

What happens if I pay my premiums via Direct Debit and my bank account/credit card details change?

It is important that you update your details with Health Partners as soon as possible. This will ensure that payments do not default and that your membership payments remain up-to-date.

You can update your direct debit details through Members Online. Please note that registration is restricted to the policyholder. Alternatively, you can update your direct debit details by downloading and completing a Direct Debit Request form or by calling Health Partners on 1300 113 113.

Credit card expiry dates can be updated over the phone provided you are the policyholder or have been granted prior authority. To grant authority to another person, please complete a Delegation of Authority form and send it to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax it to (08) 8113 2259.

Can I change the way I pay my premiums?

Yes. To change the type or frequency of your payments, please contact Health Partners on 1300 113 113 and a Member Services consultant will advise you.

To apply for direct debit deductions and receive 3% discount on your premiums, please download a Direct Debit Request form and send the completed form to Health Partners Reply Paid 1493, Adelaide SA 5001, or fax to (08) 8113 2259

Pharmacy

Where is my nearest Health Partners Participating Pharmacy?

There are over 50 participating pharmacies in South Australia. For a list of locations click here.

Do I receive any special benefits at Health Partners Participating Pharmacies?

With your Health Partners Extras cover or Package cover you save 20% on most non-prescription items such as vitamins, cosmetics, gifts, toiletries and more. You also receive exclusive prescription benefits:

  • You pay a maximum of only $20 for all PBS prescriptions not already subsidised by the government (benefit available up to your annual limit).
  • You pay a maximum of only $37 for private and compounding prescriptions (benefit available up to your annual limit).
  • Plus, save even more on generic brand prescriptions where available.

What is the Pharmaceutical Benefits Scheme?

Many medications cost much more than what you actually pay. The Australian Government provides a subsidy for many essential and commonly used medicines, so that you pay less. The PBS Schedule lists all medicines that are available at the government-subsidised price.

For more information on the Pharmaceutical Benefits Scheme visit the Department of Health and Ageing.

Waiting Periods

Will I have to serve any waiting periods?

When you join Health Partners without current health cover, you will have to wait a certain period of time before being eligible for health fund benefits. This is called a waiting period.

If you have health cover already, but are transferring to a higher level of cover, waiting periods may apply for all additional benefits.

For full details on waiting periods click here or call Health Partners on 1300 113 113.

I previously had health insurance with another fund and would now like to join Health Partners. Will I have to re-serve waiting periods?

If you join Health Partners within 30 days of cancelling your health cover with another fund, (where you had met waiting period requirements), you do not need to re-serve waiting periods for items on equivalent level of cover.

In some cases, some waiting periods will apply; for example, if you are transferring to a higher level of cover or for benefits you were not covered for previously. For full details on waiting periods click here, or call Health Partners on 1300 113 113.

What is a Pre-existing Condition (PEC)?

A pre-existing condition is one where signs or symptoms of an ailment, illness or condition, in the opinion of a medical practitioner appointed by the fund, existed at any time during the six months preceding the date on which you purchased or upgraded your Hospital cover.

This does not apply to psychiatric conditions, palliative care and rehabilitation which have a 2 month waiting period (level of benefits may vary depending on the cover you purchased).

For more information please call Health Partners on 1300 113 113.