Health Partners

Health Partners health insurance review

Our verdict: Based in South Australia, Health Partners health insurance is good for Aussies in search of a reliable not-for-profit health fund.

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  • Health Partners has one of the cheapest Basic Plus policies on Finder, covering things like joint reconstruction and dental surgery from around $77.80 a month*.
  • There's no excess for kids, making this fund a good choice for families.
  • Health Partners had a 1-to-1 ratio of Ombudsman complaints to its market share, which is about average.


  • It's one of the smaller health funds around, with a market share of just 0.7%.
  • Health Partners has an average complaints ratio for the year, according to the 2020 Ombudsman Report.
  • Health Partners only has physical locations in South Australia.

Good value Health Partners policies

These are some good value hospital policies from Health Partners, one each from the Basic, Bronze and Silver tiers.

*Quotes are based on a single individual with less than $90,000 income, $500 excess and living in Sydney.

Health Partners health insurance: Our verdict

Health Partners is a not-for-profit fund based in South Australia, but it does offer all Australians health insurance coverage. It has some great value hospital policies and doesn't charge an excess for children.

Health Partners is good if:

  • You want good value policies with lots of additional treatments.
  • You have a family — kids don't pay an excess.

Health Partners is not great if:

  • You prefer bigger health funds with a larger network of providers, such as those offered by funds like Bupa and Medibank.
  • You want to discuss your cover in person but don't live in Adelaide. Health Partners only has physical locations in South Australia.

Review by our insurance writer Gary Hunter

Compare all policies from Health Partners

What types of health insurance does Health Partners offer?

Hospital icon

Hospital coverage

  • Basic Hospital Plus. Health Partners' entry-level product provides cover for some common treatments including tonsils, joint reconstruction and dental surgery. It's designed for those not looking to spend a high amount on health care and have cover for the bare essentials. Basic Hospital Plus also offers cover for unlimited emergency ambulance and offers you your choice of excess.
  • Bronze Hospital Plus. This hospital cover option provides cover for a number of essential treatments and services. It does exclude high-cost procedures and services, for example pregnancy and joint replacements, and is designed for people who are young and healthy, needing only minimal cover. Bronze Hospital Plus cover includes treatment for accidents, joint reconstructions, tonsil and appendix removal and wisdom teeth removal.
  • Silver Hospital Plus Lite. With a choice of excess and some exclusions, this policy helps work within your budget and keep your premiums down. Plus, any children on your policy do not have an excess.
  • Silver Hospital Plus Advantage. Top cover that excludes pregnancy and childbirth-related procedures, with a choice of excess to reduce your premiums. Plus, you're covered for both emergency and non-emergency ambulance. It also restricts hospital psychiatric and excludes surgical weight loss.
  • Gold Hospital Complete. The top hospital cover option, it's designed to provide complete peace of mind. It covers everything from pregnancy and psychiatric services to dialysis, health management programs and even home sleep studies.

Extras icon

Extras coverage

  • Base Extras. A good place to begin, this option offers 100% back on a dental check up, optical (as per your limits) and a physio visit. You will also receive 20% off pharmacy prescriptions when you use affiliated pharmacies.
  • Good Extras. Get access to a wider range of benefits with this mid-level cover. You can access benefits like general and major dental, psychology and remedial massage.
  • Better Extras. This is a high level extras option that gives you further access to benefits including major dental, orthodontics and 100% back on 2 dental check ups.
  • Best Extras. The highest level of cover, this policy also includes speech therapy, massage, psychology, gap-free services for kids, plus 2 physio visits and more.
  • Freedom Extras. This gives you 100% back on optical, up to your annual limits, a combined limit on general and major dental, a $300 limit on physiotherapy, chiropractic, osteopathy and exercise physiology, plus more.
  • Freedom Extras Max. With Freedom Extras Max, you'll get 100% back on optical, up to your annual limits, unlimited general dental, and a $500 limit on physiotherapy, chiropractic, osteopathy and exercise physiology. You can also get money towards aids and appliances including sleep apnoea apparatus and more.

Health Partners health insurance complaints

We looked at the 2020 Ombudsman health insurance complaints. Here's how Health Partners stacked up:

  • Health Partners received an equal proportion of total complaints to its market share.
  • It ranked ninth out of 19 health funds, which is lower than funds including nib, Bupa and Medibank.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Health Partners is ninth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

Health Partners frequently asked questions

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4 Responses

    Default Gravatar
    derrickApril 19, 2018

    i am a 65 year old male pensioner seeker cover for podiatry only

      Default Gravatar
      AshApril 19, 2018

      Hi Derrick,

      Thank you for visiting Finder.

      You may get sample quotations of health insurance for Podiatry. Kindly compare the insurers in the table as they have listed their policy as well as the monthly fees for it then click on the “More info” to know more about it. When you are ready, you may then click on the “Go to site” button and you will be redirected to the insurer’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      To have adequate coverage, you will need to avail of the combined cover as Medicare will not be paying for the cost of a surgeon or anesthetist’s fees.

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


    Default Gravatar
    GrahamMarch 13, 2018

    I am trying to save on health ins need private room in public hospital,extras need optical 200 per person cover 1 pair per 18 months each ,major and general dental good limit on both,ambulance cover.
    I am 67,wife 64,earn under 180000,have had cover for 45 years continually now with nib.

      Default Gravatar
      LiezlMarch 28, 2018

      Hi Graham,

      Thanks for visiting Finder!

      Currently, we do not have access to Health Partners. If you wish to obtain a quote from them, please visit their website directly.

      Alternatively, you may compare seniors health insurance quotes using the information you provided. If there are other extras you wish to add, simply click the ‘Search Policies’ button to update the results. When you found the policy that’s right for you, press the “Go to Site” button to be redirected to the insurer’s website where you can apply.

      Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions before purchasing. If you have further questions, feel free to drop us a note.

      Best regards,

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