Is Health Partners not-for-profit?

Yes, Health Partners is a not-for-profit health fund.

Is Health Partners only available in South Australia?

While Health Partners is based in Adelaide, it is available in all states and offers nationwide coverage for both hospital and extras.

What member offers does Health Partners provide?

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.

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 (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.

How do I make a claim with Health Partners?

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. Claims are payable by cheque or direct credit.

Health Partners Insurance Review

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Health Partners offers competitive Basic Plus policies often around $91 monthly and no excess for kids on selected covers.
Health Partners received a Highly Commended Award in the 2026 Finder Health Insurance Awards for Best Extras Cover - SA.
While SA-based, Health Partners provides nationwide coverage and unique dental optical member benefits.

Pros

Health Partners has one of the cheapest Basic Plus policies on Finder, covering things like joint reconstruction and dental surgery from around $91 a month*.
Health Partners took home a Highly Commended win in the 2026 Finder Health Insurance Awards for Best Extras Cover - SA.
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.

_{Review by our insurance and innovations editor Gary Ross Hunter}

What types of health insurance does Health Partners offer?

Hospital
Extras

4 of 4 results

Treatments	Price
Health Partners - Basic Hospital Plus $750 Excess Basic$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +4 other treatments covered	$21.01 per week	View details Compare product selectionCompare	loading
Health Partners - Bronze Hospital Plus $750 Excess Bronze$750 excess	Joint reconstructions Ear nose and throat Blood Back neck and spine Dental surgery Eye excluding cataracts Cancer Lung and chest +15 other treatments covered	$25.27 per week	View details Compare product selectionCompare	loading
Health Partners - Silver Hospital Plus Lite $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +25 other treatments covered	$31.25 per week	View details Compare product selectionCompare	loading
Health Partners - Silver Hospital Plus Advantage $750 Excess Silver$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$40.77 per week	View details Compare product selectionCompare	loading

Showing 4 of 4 results

3 of 3 results

Treatments	Price
Health Partners - Good Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +4 other treatments covered	$10.59 per week	View details Compare product selectionCompare	loading
Health Partners - Better Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$16.73 per week	View details Compare product selectionCompare	loading
Health Partners - Best Extras Extras cover	General dental Major dental Optical Physiotherapy Chiropractic Psychology Remedial massage Hearing aids +6 other treatments covered	$23.81 per week	View details Compare product selectionCompare	loading

Showing 3 of 3 results

Get the lowdown on Finder Score

Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.

Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porsche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policy's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.

Health Partners health insurance complaints

We looked at the Commonwealth Ombudsman's 2024–25 State of the Health Funds report. Here's how Health Partners stacked up:

Health Partners received 0.3% of all complaints, half its 0.6% share of the market.
That gives it a market-share-to-complaint ratio of 50%, one of the better results in the report. Mildura Health Fund, St Lukes and TUH did better still (all 33%).

Health Partners frequently asked questions

- 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.
Claims are payable by cheque or direct credit.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 519 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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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.

Key takeaways

Pros

Cons

Health Partners health insurance: Our verdict