These products offer a balance between low pricing and more features.
7+
Great
Competitive products within their group.
5+
Standard
Usually these products would either have fewer treatments covered or higher pricing.
0+
Basic
Offering basic cover with limited features or higher pricing.
Pros
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.
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 Porche, 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 policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
What do Australians think of Health Partners health insurance?
4.46/5 overall for Customer Satisfaction — higher than the average of 4.13, and this was the highest score in the category
4.87/5 for Trust — higher than the average of 4.46, and this was the highest score in the category
4.57/5 for Customer Service — higher than the average of 4.17, and this was the highest score in the category
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.
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
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Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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