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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.

Gary Ross Hunter

Updated

Feb 27, 2024

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Pros

Health Partners has one of the cheapest Basic Plus policies on Finder, covering things like joint reconstruction and dental surgery from around $73 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.

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

What types of health insurance does Health Partners offer?

Hospital
Extras

1 - 5 of 5

Name	Treatments	Price	Apply
Basic Hospital Plus $750 Excess Basic Plus$750 excess	Rehabilitation Joint reconstructions Dental surgery Hernia and appendix Eye excluding cataracts Pain management Gynaecology Lung and chest +4 other treatments covered	$88.60 per month	All treatments	Compare	loading Fetching your data...
Bronze Hospital Plus $750 Excess Bronze Plus$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	$103.14 per month	All treatments	Compare	loading Fetching your data...
Silver Hospital Plus Lite $750 Excess Silver Plus$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +25 other treatments covered	$130.97 per month	All treatments	Compare	loading Fetching your data...
Silver Hospital Plus Advantage $750 Excess Silver Plus$750 excess	Lung and chest Back neck and spine Cataracts Joint replacements Blood Dental surgery Palliative care Pregnancy and birth +27 other treatments covered	$180.90 per month	All treatments	Compare	loading Fetching your data...
Gold Hospital Advantage $750 Excess Gold$750 excess	Cataracts Joint replacements Palliative care Pregnancy and birth Sleep studies Weight loss surgery Rehabilitation Insulin pumps +30 other treatments covered	$264.69 per month	All treatments	Compare	loading Fetching your data...

1 - 0 of 0

Name	Product	Treatments	Price	Apply	Hide Compare
No items match the given criteria.

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Best Health Insurance - Gold Hospital Finalist

Health Partners Gold hospital policy is the 2024 runner up in our gold category. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.

Full list of 2024 winners

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Hospital
Extras

Health Partners health insurance complaints

We looked at the 2022 Ombudsman health insurance complaints. Here's how Health Partners stacked up:

It ranked 12th out of 19 health funds, which is lower than funds including nib and Bupa.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. Health Partners is twelfth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

Why you can trust Finder's health insurance experts

We're free

Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.

We're experts

We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).

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.

Thank you for your feedback!

Gary Ross Hunter

Gary Ross Hunter is 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).

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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.

Pros

Cons

Health Partners health insurance: Our verdict

What types of health insurance does Health Partners offer?

Best Health Insurance - Gold Hospital Finalist

Health Partners health insurance complaints

Full table of data

Why you can trust Finder's health insurance experts

We're free

We're experts

We're independent

We're here to help

Health Partners frequently asked questions

Is Health Partners not-for-profit?

Is Health Partners only available in South Australia?

What member offers does Health Partners provide?

Does Health Partners offer a loyalty benefit?

How do I make a claim with Health Partners?

Gary Ross Hunter

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