Health Partners has one of the cheapest Basic Plus policies on Finder, covering things like joint reconstruction and dental surgery from around $88 a month*.
There's no excess for kids on selected covers, making this fund a good choice for families.
Cons
It's one of the smaller health funds around, with a market share of just 0.7%.
Health Partners only has physical locations in South Australia.
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 on selected covers.
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 on selected covers.
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.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
We looked at the 2023 Ombudsman health insurance complaints. Here's how Health Partners stacked up:
It ranked 13th, which is lower than funds including GMHBA and Bupa.
Why you can trust Finder's health insurance experts
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Health Partners frequently asked questions
Yes, Health Partners is a not-for-profit health fund.
While Health Partners is based in Adelaide, it is available in all states and offers nationwide coverage for both hospital and extras.
Dental and optical centres. Health Partners operates its own network of dental and optical centres, providing exclusive benefits and discounts to health fund members.
Pharmacy network. Health Partners has a statewide network of over 50 South Australian pharmacies, where health fund members can access unique medicine benefits and discounts for no extra cost.
Health Risk Assessment. Available to members who hold package cover or Gold or Silver Extras, this online tool allows you to evaluate your current health status and work out how you can improve it.
Hospital Support Program. Available to all Health Partners members with package cover or standalone hospital cover, this program makes it easier to transfer from hospital to home.
Newborn Support Program. This program gives members access to their very own midwife to provide advice on the health of you and your baby.
Special member offers. Health Partners members can also take advantage of discounts at a range of partner businesses, including savings on everything from pharmacy products and sunglasses to cooking classes and gym memberships.
Health Partners members can take advantage of the following discounts at participating partner businesses:
20% pharmacy discount. Available at participating pharmacies for most non-prescription items (if you have extras cover).
20% oral health discount. This discount is available at all Health Partners Dental Centres (if you have extras cover).
Sunglasses discount. All members receive a minimum 30% discount at all Health Partners Optical Centres.
There are several options available when you need to make a Health Partners health cover claim. These include:
The Health Partners App. You can download the free app to your smartphone, register your details and submit a photo of your itemised account. Most benefits are paid within 2 days.
Claim form. Claim forms are available to download from the Health Partners website and from Health Partners centres. Completed forms and itemised accounts can then be mailed to the health fund.
On the spot. You can claim when you visit a provider with HICAPS or a Health Partners practice by presenting your Health Partners membership card.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 725 Finder guides across topics including:
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
