Health Partners Insurance Review 2021 |

Health Partners Health Insurance

Over 80,000 people are covered by South Australian not-for-profit fund Health Partners.

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Health Partners provides affordable, quality private insurance for South Australians, and have been doing so for 80 years. With four hospital cover options, and four extras policies, they've got you covered for whatever life might throw at your health. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.
Top 3 features
  1. Good for South Australians looking to save on extras, with cheap physio visits.
  2. Good for young people under 30 after a health insurance discount.
  3. Good for families with children, as there's no excess for kids.

Who is Health Partners?

Health Partners is the only South Australian Members Own Health Fund and has offered value-for-money cover, backed by friendly customer service, for 80 years.

South Australia's largest open health fund, Health Partners provides cover to over 80,000 individuals and is not-for-profit. They're driven to perform solely for the benefit of our members, with profits invested back into the health fund to help provide quality, value-for-money health insurance to our members.

The fund owns and operates the state's largest private dental practice and their own optical stores, so members have the option to be looked after from A to B by Health Partners, or go to a provider of their choice.

What health insurance options are available?

Health Partners offers a wide range of hospital cover, extras cover and package cover options to suit many different health insurance needs. Head to their website to see a Health Partners quote for your best health insurance option with the fund.


  • Basic Hospital Plus. Health Partners' entry-level product and provides cover for some common treatments including tonsils, joint reconstruction and dental surgery. 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 psych 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 a access to a wider range of benefits with this mid level cover. You can access benefits like general & major dental, psychology and remedial massage.
  • Better Extras. High level extras options 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 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.

Information on tiers

Following the compulsory change from 1 April 2019 on the government tiers (Gold, Silver, Bronze and Basic), Health Partners has renamed and adjusted their hospital and extras policies.

They're also now offering a choice of premiums, in line with the reforms, and discounts for people under 30.

Young people discount

For those under 30 years old, you can save up to 10% on your premiums, and keep the discount until you're 41, so long as you stay with Health Partners.

Age when you take out hospital coverDiscount

Member offers

  • 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 your health.
  • 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.

Does Health Partners offer a loyalty benefit?

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.

Members who take out the Couples Choice package option can also take advantage of the Pregnancy Loyalty Reward. While this package excludes pregnancy and birth-related services from cover, after two years of having cover in place, members can transfer to a policy that does cover pregnancy and avoid the usual 12-month waiting period.

How to make a claim

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 two 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 practise by presenting your Health Partners membership card.

Claims are payable by cheque or direct credit.

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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
      Ash MunozApril 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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