Health Partners Review
Health Partners is a not-for-profit health fund headquartered in Adelaide, South Australia. Health Partners has more than 300 employees. Members benefit from access to Health Partners Dental and Optical services, a dedicated mobile app for managing health coverage, and various member discounts.
| 🔎 Date Established | 1939 |
| 📌 Headquartered | Adelaide, South Australia |
| ↪️ Registration Number | ABN 43 128 282 904 |
| 👤 The average number of members | 96,200+ |
| 👥 Number of Employees | 200 - 500 |
| 🛡️ APRA-Regulated | ✅Yes |
| 📉 The most recent Market Cap reported | Not-for-profit structure |
| 📈 Average Customer Rating | 4.2/5 |
| 📊 Average Number of Reviews | 500+ |
| 💹 Market Share | <0.1% |
| 🔟 Number of plans offered | 5 Hospital-only, 4 Extras |
| 🩷 Sponsorships | KickStart for Kids Foodbank |
| 📲 Is a Mobile App offered | ✅Yes |
| ⚙️ Medical Claims Portal | ✅Yes |
| ⏰ Customer Support Operating Hours | Monday – Thursday from 8 am – 8 pm, Fridays from 8 am – 5:30 pm, Saturdays from 9 am – 1 pm ACST/ACDT |
| ✏️ Information Hub and Blog | ✅Yes |
| 🧑⚕️ Chronic Illness Benefits | ✅Yes |
| 🩺 Screening and Prevention offered | ✅Yes |
| 🍼 Maternity Benefit | Yes, on some plans |
| 💊 Health Insurance Premium Range (AUD) | $4.76 - $52.90 (weekly) |
| 🚩 Average Waiting Period | Standard; 2 – 12 months |
| 🌎 Is International Medical Cover Offered | None |
| ⭐ International Travel Benefit | None |
Health Partners Plan Overview
| 🔎 Plan | 💴 Premium Range AUD (Min to Max, Weekly to Yearly) | 🪫 Exclusions | ❤️ Ideal For | ↪️ Gap Cover Available | 📌 Rebate Percentage | 📍 Average Waiting Period | 🔑 Key Features |
| 🥇 Basic Hospital Plus | $18.48/week | Major surgeries (brain, nervous system, heart) | Singles or couples | ✅Yes | Income-based rebate | 12 months for pre-existing conditions, 1 day for accidents | Covers essential procedures (tonsil, appendix), emergency ambulance, and hospital-in-home services |
| 🥈 Bronze Hospital Plus | $21.69/week | Heart and vascular, back, and spine | Individuals and couples | ✅Yes | Income-based rebate | 12 months for pre-existing conditions | Accident cover, rehab-in-home, emergency ambulance, and Access Gap Scheme. Ideal for members with basic hospitalisation needs |
| 🥉 Silver Hospital Plus Lite | $27.30/week | Cataract surgery, joint replacements | Members needing mid-tier hospital cover | ✅Yes | Income-based rebate | 12 months for pre-existing conditions | Extensive inpatient services, choice of excess, emergency ambulance, accident cover, Access Gap Scheme |
| 🏅 Silver Hospital Plus Advantage | $35.65/week | Weight loss surgery, maternity services | Couples, families, and seniors | ✅Yes | Income-based rebate | 12 months for pre-existing conditions | Comprehensive inpatient cover, no excess for dependants, hospital-in-home, Access Gap Scheme |
| 🎖️ Gold Hospital Advantage | $52.90/week | Weight loss surgery, assisted reproductive services | Individuals, couples, families | ✅Yes | Income-based rebate | 12 months for pre-existing conditions | Maximum hospital cover across all categories, including pregnancy, heart, and lung care, with Access Gap Scheme |
Health Partners Plans – Features and Benefits
Health Partners provides hospital cover options to fit different needs, focusing on essential services, affordability, and comprehensive cover.
Every plan is designed with different members in mind, with special benefits to promote both health and financial wellness. Let’s take a look at what each plan has to offer.
Basic Hospital Plus
Looking for affordable and comprehensive health coverage? Our plan starts from just $18.48 per week.
- Premiums start from just $18.48 per week.
- This plan is perfect for individuals and couples for essential hospital services without excessive premiums.
- Offers exceptional protection for injuries resulting from accidents.
- Comprehensive cover for unlimited emergency ambulance services across Australia.
- Features “Hospital in the Home,” “Rehab in the Home,” and “Hospital Support Service.”
- The Access Gap Scheme helps to lower or completely remove out-of-pocket expenses for specialists during hospital stays.
- Members can select an annual excess of either $500 or $750 per person, with a limit of two excesses allowed per membership each year.
- This plan covers important procedures like tonsil and adenoid surgeries, joint reconstructions, hernia repair, and appendix removal.
With essential services and flexible options, this plan ensures you receive the best care without the hefty price tag.
Bronze Hospital Plus
Get the coverage you need at an affordable rate, starting from just $21.69 per week.
- Premiums start from just $21.69 per week
- This plan is for individuals, couples, and seniors who need reasonable coverage for important medical needs.
- Features “Hospital in the Home,” “Rehab in the Home,” and “Chemo in the Home.”
- The Access Gap Scheme helps members lower or even remove out-of-pocket fees when seeing participating specialists.
- You can choose between a $500 or $750 excess, and there’s no excess for accidents.
- Covers treatments relating to the brain, ENT, bones, muscles, kidneys, and skin.
- Covers injuries resulting from accidents, including services that are usually not covered.
With comprehensive benefits and flexible excess options, this plan is designed to keep you protected and worry-free.
Silver Hospital Plus Lite
Secure comprehensive hospital coverage starting from just $27.30 per week with flexible pricing options.
- Premiums start from just $27.30 per week.
- This plan suits different member categories for extensive hospital coverage and flexible pricing options.
- Covers brain and nervous system care, joint reconstructions, and treatments for cancer.
- Psychiatric services are offered with shared room accommodations.
- You can select either a $500 or $750 excess, and if you have a family plan, the excess is waived for your dependents.
- Offers outpatient loyalty benefits for insulin pumps and hearing devices.
- Offers in-home options for chemotherapy, rehabilitation, and assistance during hospital recovery.
With extensive care and valuable in-home services, this plan is designed to support your health and well-being every step of the way.
📌 Read more about the Best Private Health Care
Silver Hospital Plus Advantage
Get extensive hospital coverage starting from just $35.65 per week, which is perfect for singles, couples, and families.
- Premiums start from just $35.65 per week.
- This plan is a great fit for singles, couples, and families who want extensive hospital coverage while keeping their premiums low.
- Comprehensive inpatient support for essential heart, vascular, and spinal treatments.
- Choose from $250, $500, or $750 per person, and enjoy waived excess for dependents on family plans.
- Members enjoy reimbursement for outpatient devices to manage chronic conditions without excessive costs.
With flexible excess options and valuable reimbursement benefits, this plan provides comprehensive care without the high costs.
Gold Hospital Advantage
Get comprehensive hospital coverage starting from just $52.90 per week, designed for families and seniors.
- Premiums start from just $52.90 per week.
- This plan is perfect for Australians who require comprehensive hospital cover, especially families and seniors.
- There’s a single excess of $750 for each person each year, and the dependent excess is waived.
- Members can enjoy comprehensive coverage on compression garments, braces, and medically necessary devices.
- There are different in-home services like rehabilitation, chemotherapy, and health coaching to help members facing health challenges.
- Covers different medical services from pregnancy care to joint replacements and assisted reproductive services.
With extensive coverage and in-home services, this plan ensures you receive the care you need, whenever you need it.
Recent User Reviews
🥇 Easy Claims Process and Helpful Staff.
I’ve used my cover several times, and the claims process is easy. Every staff interaction has been nice and helpful. – Frank
🥈 Excellent Service at Health Partners Optical.
Linda and her team at Health Partners Optical in Morphett Vale gave excellent service and follow-up. By addressing our concerns, they made buying reading glasses easy. We called Ms. Sims to thank her. Many thanks again. – Jane
🥉 Great Service, But Decreased Value for Money.
Several years ago, Health Partners’ value and services would have earned five stars. The service is amazing, however, the value for money has decreased. Additional cover policies, including Health Partners’ dental services, offer higher gap payments. – Monica
Health Partners vs GMHBA Health Insurance vs Australian Unity Health Insurance
| 🔎 Provider | 🥇 Health Partners | 🥈 GMHBA Health Insurance | 🥉 Australian Unity Health Insurance |
| 📌 Years in Operation | 85+ | 90 years | 184 years |
| 📍 Average Number of Members | 96,200+ | Over 320,000 members | Approximately 280,000 |
| 🛡️ APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 👥 Number of Employees | 200 - 500 | 201-500 | Over 7,000 |
| 📉 Market Share | <0.5% | Positioned as Australia’s leading regionally-based health insurer | Estimated at around 3% |
| 📈 Market Cover | South Australia | Australia-wide cover | Australia |
| ❤️ Customer Rating | 4.2/5 | 4.5/5 | 4.2 stars |
| 🔢 Number of reviews | 500+ | 1,000+ | 1,000+ reviews |
| 📲 Mobile App | ✅Yes | The GMHBA app for members | The Australian Unity Health App |
| 💷 Premium Range (AUD) | $4.76 - $52.90 (weekly) | $19.25 per week to $3,269.80 per year | From $38.60 per fortnight to $3,172.79 per year |
| 🌎 International Travel Benefit | None | Not offered directly | Under specific plans |
| 💊 Market Capitalisation | Not-for-profit structure | None indicated; net profit of $12.6 million (2023-24) | Not publicly available |
| ⭐ Unique Features | Access Gap Scheme, hospital-to-home programs, 100% emergency ambulance cover, Health Partners dental and optical locations, strong community partnerships, high-value rebate options | Youth Discount, Access Gap Cover, Online Member Area, Emergency Ambulance Cover | Hospital Substitution Programs, Health Support Programs, Chronic Illness Benefits, Screening and Prevention Programs, comprehensive hospital and extras cover options |
Advantages of Using Health Partners
Health Partners is South Australia’s largest not-for-profit health insurer, prioritizing its members by reinvesting for their benefit. Known for its member-first service approach, Health Partners has earned recognition through prestigious awards like the Canstar and Finder customer satisfaction awards.
Members have 24/7 access to submit and track claims through the Health Partners online system, and the Health Partners Member App makes it easy to manage cover details, book appointments, and track claims from anywhere.
With over 85 years of service in South Australia, Health Partners has built a strong reputation for community support, affordable options, and services tailored to local needs. As a not-for-profit, Health Partners reinvests resources into benefits that matter, offering higher claim limits and improved health services.
Their commitment to the local community is evident through partnerships with local health providers and initiatives that enhance community health standards. Health Partners also provides valuable benefits like dental and optical extras, helping members afford and access essential services like annual dental check-ups and prescription eyewear.
Health Partners Gap Cover
Health Partners’ Gap Cover program helps bridge the financial gap for members receiving in-hospital treatments, ensuring specialist fees are more manageable when Medicare and standard hospital insurance don’t fully cover them. The Access Gap Scheme helps lower or even remove extra costs linked to specialist fees beyond the Medicare Benefits Schedule (MBS) rate if the specialist is part of the program.
Here’s a look at how Health Partners’ Gap Cover supports members during their in-hospital care:
- Gap Cover is for services recognised by Medicare that are part of a member’s hospital cover. Members must be admitted as inpatients in a registered hospital or day surgery facility to benefit from this coverage.
- Before proceeding with treatment, members must check whether their doctor is part of the Access Gap. Doctors who decide to take part will bill Health Partners at an Access Gap rate, and the level of coverage for the gap will vary, either partial or full, based on the doctor’s and Health Partners’ agreement.
- When a specialist is part of the scheme, the billing happens directly between the provider and Health Partners. This makes it easier to lessen the administrative tasks for the member.
If the specialist’s fees exceed what the Access Gap agreement covers or if they decide not to take part, the member might have to cover the extra costs themselves.
Health Partners App Features
The Health Partners app is a convenient tool for managing health insurance on the go. Key features include:
- Secure login and registration to protect personal and policy details with password-protected access.
- Claim submission is done by simply snapping photos of itemised receipts, with claims processed within 1–5 business days for quicker reimbursements.
- Claim tracking to check the status of current claims and view past claims without needing to contact support.
- Coverage details, including inclusions, exclusions, and annual limits, are all easily accessible.
- Appointment scheduling for dental and optical services, connecting directly with Health Partners’ network.
- Updating personal details to ensure accurate communication and support.
The app makes managing your health insurance easier and more efficient.
How to Apply for Health Insurance with Health Partners
To apply for Health Partners insurance, potential members can choose from various application options:
- Phone: Contact Health Partners and speak with a friendly representative who will guide you through the process.
- Online: Visit the Health Partners website to view different plans, check coverage levels, and apply for health insurance directly.
- By Mail or In Person: Download a paper application from the Health Partners website or pick one up at any Health Partners office. You can return completed applications by mail or deliver them in person.
Application Process
To complete the application, you will need to provide some basic personal information and your Medicare eligibility for hospital coverage.
- If you’re transferring from another health fund, make sure to provide your membership details so Health Partners can request a transfer certificate on your behalf.
- After you submit your application, Health Partners will verify your details, check your eligibility, and start your new membership. Your coverage will begin either on the acceptance date or a future date, depending on which is later.
Once your application is accepted, you will receive:
- A policy statement with your cover details
- A member card
- Information to log into your online account
Cooling-Off Period
New members are eligible for a 30-day cooling-off period. If you cancel your policy during this time and no claims have been submitted, you can receive a full refund of the premiums you’ve paid.
How to apply for Gap Cover with Health Partners
With Health Partners, Gap Cover is automatically provided to eligible hospital plan members. Thus, members do not need to apply for the cover separately.
How to Submit a Claim with Health Partners
Health Partners offers multiple methods for submitting claims, allowing members to choose the most convenient option. Each method has specific steps to ensure quick and efficient processing.
Health Partners App
Download and Register
Get the app from the App Store or Google Play and register with your membership details.
Submit Claim
Take a photo of your itemized account or receipt and upload it through the app. Claims are usually processed within five business days.
Online Portal
- Access: Log in to the Health Partners member portal using your account credentials.
- Submit Claim: Follow the on-screen instructions to upload your claim documents.
- Prepare Documents: Scan or photograph your itemised account or receipt.
- Send Email: Send the documents to Health Partners’ designated claims email address for processing.
Post
Complete Claim Form
Fill out a Health Partners claim form and attach the original itemized account or receipt.
Send the completed form and supporting documents to the Health Partners mailing address.
No matter which method you choose, Health Partners ensures a smooth and efficient claims process to get you the reimbursements you deserve.
Additional Information for Claiming
On-the-Spot Claims
If your provider uses HICAPS or Health Point, simply present your membership card to process claims immediately at the point of service.
Documentation
Always include all necessary documents and account details with each claim to help ensure prompt processing.
Direct Credit Payments
Keep your bank details updated in the member portal to receive payments directly. You can also update your details by contacting Health Partners.
How to Upgrade or Downgrade My Plan with Health Partners
Adjusting your Health Partners insurance plan to better suit your needs is a simple process, whether you’re upgrading for better coverage or downgrading to lower premiums. Here’s how it works:
First, review your current plan to see if it still fits your healthcare needs. Consider any changes in your health or personal situation. Then, compare different plan options, looking at benefits, costs, and out-of-pocket expenses. Health Partners can help by offering comparisons and answering any questions.
To make changes, you can contact Health Partners by phone, email, or through the online portal. A representative will guide you through the steps and help you complete the necessary paperwork.
If you’re upgrading, keep in mind that some benefits may have waiting periods, especially for pre-existing conditions or elective treatments. Confirm the date your new plan will start to avoid any gaps in coverage.
Finally, understand how your premiums will change—upgrading typically increases premiums, while downgrading reduces them. Health Partners will provide full details on how these changes affect your payments.
How do I add a Beneficiary to Health Partners?
If you need to add a dependent to your existing coverage with Health Partners, there are a few easy steps to follow. However, before you start, you should first verify eligibility. Health Partners allows dependents under specific conditions:
- Children can typically be added as dependents if they meet certain age criteria or qualify as full-time students.
- Partners can be added to a policy with appropriate documentation demonstrating the partnership, such as a marriage certificate or similar proof.
Membership Adjustment
Members might need to adjust their membership type to incorporate a dependent. For instance, single policies must be upgraded to a family or single-parent cover.
You must contact Health Partners directly to add a dependent so they can guide you through any necessary membership modifications and advise you on how this affects premiums.
Required Documentation
When adding a dependent, Health Partners requires proof of the relationship:
- A birth certificate for a child, or
- Official documents for partners (e.g., a marriage or partnership certificate).
These documents ensure the dependent meets Health Partners’ requirements for inclusion under the policy.
Submission Process
Members can submit the forms and supporting documents through Health Partners’ communication channels, including:
- Mailing the documents
- Sending them via email
- Delivering them in person to a Health Partners location
Confirmation
After processing, Health Partners will confirm the addition of the dependent. Members should review any updated policy details, including potential changes to premiums or benefits, that result from adding the family member to their plan.
How to Submit a Compliment or Complaint with Health Partners
Health Partners offers flexible avenues for members to express their feedback, be it a compliment or a complaint. Members can select the most convenient submission method.
- Telephonically: Members can directly contact Health Partners to share their feedback verbally. This enables prompt interaction with a representative who can document the compliment or complaint for subsequent handling.
- Online Portal: Members registered on the portal can submit their feedback electronically. The platform can be accessed via Health Partners’ official website for an easy method to submit feedback in a secure setting.
- Email: An alternative is to send compliments or complaints through email. Members can scan or take a photo of any relevant documents and submit them to Health Partners’ specified feedback email address with a detailed description of the compliment or complaint.
In the case of a complaint, Health Partners will designate each received complaint to an individual team member for a comprehensive examination.
The team will evaluate the issue, undertake any required follow-up actions, and strive to address the complaint. Individuals who’ve sent a complaint will receive a response outlining the measures taken or any adjustments implemented based on their input.
How to Switch my Health Insurance to Health Partners
Changing your health insurance to Health Partners follows a straightforward process to ensure your coverage remains uninterrupted. To start the transfer process and guarantee that your benefits are synchronised without the need to re-serve waiting periods, please follow these steps:
Submit Your Application
Complete a Health Partners membership application and include information from your existing health fund, like your member number.
Health Partners will coordinate with your previous insurer to secure a transition certificate, enabling the transfer of any waiting periods that have already been served.
Duration of Waiting and Transfer of Benefits
Complete the switch within 30 days of stopping your previous coverage to preserve your waiting periods and benefit history.
Health Partners acknowledges previously completed waiting periods for comparable benefits, so you won’t have to re-serve them.
Any 12-month waiting period for pre-existing conditions you completed with your previous insurer will be recognized if the condition is covered under your new Health Partners policy and is not restricted or excluded.
Discount Portability for Youth
Health Partners will recognise the Youth Discount from your former health insurer if the transfer is finalised within 30 days. If you switch after this period, Health Partners will apply the Youth Discount according to your age when you join.
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Health Partners Corporate Responsibility
Health Partners connects with local communities in South Australia by building partnerships and participating in initiatives focusing on important health needs.
Health Partners works alongside well-known organisations to actively support programs that help vulnerable groups and enhance the community’s well-being.
KickStart for Kids
Together with KickStart for Kids, Health Partners ensures that school children who might otherwise miss out on breakfast receive a nutritious meal. This partnership has provided more than 150,000 breakfasts, making a notable difference in the fight against hunger and supporting improved focus and learning for children who need it most.
Foodbank Support
By continuously supporting Foodbank, Health Partners is making a difference in the community by tackling food insecurity challenges in South Australia. The food bank’s efforts touch many lives, helping families and individuals struggling financially and ensuring that healthy food reaches those who need it.
Finally, Employee Volunteering and Funding. Health Partners inspires staff to participate in volunteer activities, enhancing its commitment to local community initiatives. This brings together financial backing and active participation, making Health Partners’ contributions more impactful and far-reaching.
Health Partners Regulation
Health Partners operates within Australia’s private health insurance system, following national standards and regulations to ensure fair and compliant cover for its members.
The regulatory framework includes the Private Health Insurance Act that outlines key compliance rules for private insurers, ensuring that Health Partners upholds transparent and fair policies for members.
Essential Regulatory Components
- Health Partners follows the Private Health Insurance Act, the key law governing private health insurers in Australia.
- This law sets out standards Health Partners adheres to for its policies, benefits, and services, ensuring members get fair and lawful treatment.
- By aligning with this act, Health Partners is committed to upholding quality service, ethical practices, and trustworthiness across all member interactions.
Principle of Community Rating
Under the community rating principle, Health Partners charges all members with the same policy type the same premium, regardless of individual health conditions, age, or usage.
This approach protects against discrimination based on personal factors, ensuring that everyone pays equally for the same level of coverage.
Community rating makes private health insurance in Australia fairer and more accessible, as it prioritises equal treatment over individual health risks.
Code of Conduct for Private Health Insurance
As a signatory to the Private Health Insurance Code of Conduct, Health Partners commits to high standards in transparency, ethical conduct, and customer support.
This includes clearly explaining policy details, offering simple complaint resolution options, and marketing responsibly.
By following this code, Health Partners is dedicated to making health insurance straightforward, honest, and supportive, helping members make informed decisions at every step.
Guidelines for the Fund and Responsibilities of Members
Health Partners has clear Fund Rules that outline the mutual responsibilities between the insurer and members. These rules detail members’ obligations, such as providing accurate information, understanding their policy terms, and following claims processes correctly.
Sticking to these guidelines ensures that members get the full value of their benefits while allowing Health Partners to maintain reliable, compliant operations.
Health Partners Awards and Recognition
Health Partners has earned multiple awards for its dedication to member satisfaction and reliable service in the Australian health insurance industry.
These awards highlight Health Partners’ commitment to delivering positive experiences and consistent care to its members. Notably, they have received the Canstar Award for Most Satisfied Health Insurance Customers from 2019 to 2024, winning for six consecutive years. In 2024, Health Partners also earned the Finder Customer Satisfaction Award for “Legendary Service” and was named the “Most Loved” insurer, further proving its trusted and dependable service.
Customer Support and Contact Details
Health Partners offers multiple methods for submitting claims, allowing members to choose the most convenient option. Whether you prefer using the Health Partners app, the online portal, email, or post, each method provides specific steps to ensure quick and efficient processing.
The app lets you easily upload itemised receipts, and claims are typically processed within five business days. The online portal offers a straightforward way to submit your documents by logging into your account.
Alternatively, you can email your scanned receipts or mail a completed claim form with original documents. No matter which method you choose, Health Partners ensures a smooth and efficient claims process to get you the reimbursements you deserve.
Health Partners Rebates and Discounts
Health Partners offers a range of government rebates and exclusive member discounts designed to make health coverage and services more accessible and affordable for members.
| 🔎 Rebate/Discount | 📌 Details |
| 📉 Australian Government Rebate | Eligible members can receive a rebate on their private health insurance premiums based on age and income Directly applied to reduce premiums or as a tax offset through the ATO |
| 📈 Lifetime Health Cover Loading (LHC) | The government rebate doesn’t apply to any LHC loading Members who join hospital cover after age 31 incur an LHC loading not eligible for the rebate |
| 🦷 Dental Benefits | 100% back on annual check-ups at Health Partners Dental 20% discount on dental products at Health Partners locations |
| 🤓 Optical Benefits | 100% back on prescription eyewear up to annual limits 40% off additional eyewear purchases at Health Partners Optical 30% off non-prescription sunglasses and accessories |
| 👩⚕️ Physiotherapy | Members receive one free physiotherapy session each year through participating providers (excluding group and hydrotherapy sessions) |
| 🩹 New Member 8-Week Offer | New members who join combined Hospital and Extras cover before November 30, 2024, can get 8 weeks free |
| 🧬 Sprout App | Members can access the Sprout health and wellness app free for the first 30 days, followed by a reduced rate of $3.99 per month |
| 🩺 Supported Minds Psychology | Members receive 10% off assessments for learning and behavioural disorders and a $20 discount on individual appointments |
| ⚠️ Aleenta Health Club | Members enjoy a 10% discount on all memberships and club passes |
| 🩸 St John SA First Aid Training | 15% off selected public first-aid training courses |
| 📉 Bowlsome | 30% off the first order and 15% off subsequent orders |
| 📈 Goodlife Health Clubs | 15% off select memberships |
| 📊 Pharmacy Discounts | Members with Extras cover get 20% off most items at participating pharmacies in South Australia |
| 💹 Health Partners Optical and Dental | 30% off designer sunglasses at Health Partners Optical 20% off in-chair and take-home teeth whitening kits at Health Partners Dental |
| 💱 Sleepy’s Mattress Experts | 30% off full-priced items and 5% off sale items |
| 📌 SA Aquatic & Leisure Centre | 10% discount on gym and swim memberships Savings on casual entry and multi-visit passes at this South Australian facility |
Additional Health Services and Products
Health Partners offers a wide range of services to ensure comprehensive care for its members, from emergency ambulance coverage to post-hospital support.
Ambulance Services
Health Partners offers 100% coverage for emergency ambulance services across South Australia, applying to both road and air transport exclusively to emergencies and without annual limits.
Health Management Programs:
- Rehab in the Home: Personalised rehabilitation services, delivered by qualified professionals, support recovery from home.
- Chemo in the Home: Eligible members can receive chemotherapy infusions at home, administered by trained nurses.
- Health Coaching: Members with chronic health conditions can receive phone-based coaching to manage their health and meet personal goals.
- Hospital to Home: Health Partners offers several “at home” care options for post-hospital recovery:
- Hospital in the Home: Registered nurses provide a structured care plan after discharge.
Pharmacy Benefits
- PBS Prescriptions: For non-government-subsidised medications, Health Partners caps member payments per script and provides an annual limit to ease medication costs.
- Private Prescriptions: Health Partners also covers a portion of private or compounded prescriptions after a co-payment, with an annual cap on benefits.
- Non-Prescription Discounts: Members receive a 20% discount on non-prescription items, such as vitamins, at participating Health Partners pharmacies.
With these valuable benefits, Health Partners helps members manage their health effectively and affordably, ensuring peace of mind for everyday care and recovery.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Recognised for high customer satisfaction | Extra benefits like 8 weeks of free cover for new members have eligibility conditions |
| Extensive partnerships with community organisations, supporting local programs | Cover for elective or non-Medicare services involves out-of-pocket costs |
| Comprehensive Health Partners app | Youth discounts are only portable within 30 days when switching from another insurer |
| Hospital to Home program includes services like at-home chemo and rehab | Not all specialists participate in the Access Gap Scheme, resulting in unexpected costs |
| Loyalty-based rewards, such as increasing outpatient rebates on insulin pumps and hearing devices | Certain dental and optical benefits are capped annually |
| Not-for-profit model that reinvests into member benefits | Limited branch locations |
| Additional benefits for members, including physiotherapy and preventive health services | Some cover options exclude major medical services |
Our Verdict on Health Partners
Health Partners offers flexible, not-for-profit health insurance, focusing on boosting member benefits and service quality. This model allows them to support community programs and provide valuable health services to South Australians.
Health Partners is committed to customer satisfaction, earning awards like Canstar and Finder for service reliability. They stand out for their clear and helpful customer support.
Additional benefits include Health Coaching and Hospital to Home services for chronic conditions and post-hospital recovery, as well as pharmacy discounts and preventive care.
With transparent premiums and easy processes for applying, upgrading, or switching insurers, Health Partners caters to all member categories, from singles to families and seniors. They are also involved in the community, supporting initiatives like Foodbank and KickStart for Kids.
However, there are limitations, such as strict youth discount conditions, limited coverage for certain non-Medicare services, and caps on dental and optical benefits.
Overall, Health Partners is a reliable choice for those in South Australia, offering solid coverage and a strong community focus.
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Frequently Asked Questions
Does Health Partners provide family coverage?
Yes, Health Partners provides family cover options that include Hospital, Extras, and Combined Cover policies.
What is the Health Partners mobile app?
It is a mobile app compatible with iOS and Android mobile devices that members can use to manage their health coverage, claim for treatment and services, view limits and benefits, and access digital membership cards.
Can I suspend my membership?
Yes, you can stop your membership for several reasons, like traveling abroad. You can do this by contacting Health Partners and completing the appropriate application form.
