*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.
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. 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. 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. 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.
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 Max Extras. With Freedom Max Extras, 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
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 health 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 sporting goods 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.
20% oral health discount. This discount is available at all Health Partners Dental Centres.
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.
As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification.
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