Health Partners
Basic Hospital Plus $750 Excess with Flex Extras: Body / Wellness
Health Partners
How $195.87 is worked out
- Premium as filed - $258.13 a month (hospital share $145.51)
- Government rebate - 24.1% of the premium (never of the loading): -$62.26
- A month - $195.87
Go to insurer no commission on this policy
Hospital: what is covered
Covered (8)
- Dental surgery
- Gastrointestinal endoscopy
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Male reproductive system
- Miscarriage and termination of pregnancy
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (27)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Basic Plus
- Hospital - Private hospital, or a shared room in a public hospital
- Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $1,500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- Travel and accommodation benefits - No
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Accident Cover provides you with protection for all excluded clinical categories on your policy. Meaning, you will receive the highest level of cover if you require treatment as a result of an accident (as defined by Health Partners). T&Cs apply. Members can also access a range of discounts, refer to the ‘Member Discount’ page at healthpartners.com.au.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back | $500 per person a year (shared with other services) |
| Major dental * | 12 months | Crown (item 615): 60% back | $500 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): 60% back | $500 per person a year (shared with other services) |
| Prescriptions not on the PBS * | 2 months | Prescription: $0.00 | $200 per person a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Psychology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Health management programs | 2 months | Benefit: 60% back | $200 per person a year (shared with other services) |
| Occupational therapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: $0.00 | $200 per person a year (shared with other services) |
Not covered: Braces, Glasses and contact lenses, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Home nursing, Orthotics.
* Health Partners providers are in SA only (Dental, Optical, Physio and Pharmacy). Get more back with Health Partners providers, including 100% back on your first physio visit each year. Plus, access your pharmacy limit and receive 20% discount on most everyday non-prescription items at participating pharmacies. T&Cs apply. Waiting periods, exclusions, limits and conditions may apply.
Other services, as filed: In South Australia, get more from your cover with Health Partners providers. Enjoy 60% back on physio visits at participating providers. Plus, save 20% on most full-price non-prescription items at over 50 pharmacies across SA, which include participating Priceline and TerryWhite Chemmart stores. T&Cs apply.
Flex Extras gives you the flexibility to choose the cover that suits your needs. If your needs change or you’re not using a selected option, you can remove or change it at any time to find the right mix for you. T&Cs apply. Waiting periods, exclusions, limits and conditions may apply.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 2 months. No limit on emergency transport.
Agreement hospitals in Western Australia
Health Partners has agreements with 41 private hospitals here, as filed with the Ombudsman.
The list
- Abbotsford Private Hospital - West Leederville
- Albany Day Hospital - Mira Mar (day hospital)
- Attadale Rehabilitation Hospital - Attadale
- Bethesda Hospital - Claremont
- Bunbury Day Hospital - Bunbury (day hospital)
- Cambridge Day Surgery - Wembley (day hospital)
- Concept Day Hospital - Subiaco (day hospital)
- Genesis Care Shenton House - Joondalup (day hospital)
- Glengarry Private Hospital - Duncraig
- Hollywood Private Hospital - Nedlands
- Icon Cancer Centre Midland - Midland (day hospital)
- Icon Cancer Centre Rockingham - Rockingham (day hospital)
- Joondalup Health Campus - Joondalup
- Kings Park Day Hospital - West Perth (day hospital)
- Lions Eye Institute Day Surgery Centre - Nedlands (day hospital)
- Marian Centre - Wembley
- McCourt Street Day Surgery - West Leederville (day hospital)
- Mount Hawthorn Day Hospital - Mount Hawthorn (day hospital)
- Mount Hospital - Perth
- Murdoch Surgicentre - Murdoch (day hospital)
- Perth Clinic - West Perth
- Perth Dermatology Clinic - Perth (day hospital)
- Perth Eye Hospital - West Perth (day hospital)
- SleepMed Healthcare - Leeming
- South Perth Hospital - South Perth
- Southbank Day Surgery - South Perth (day hospital)
- St John Of God Bunbury Hospital - Bunbury
- St John Of God Geraldton Hospital - Geraldton
- St John Of God Midland Health Campus - Midland
- St John Of God Mt Lawley Hospital - Mount Lawley
- St John Of God Subiaco Eye Hospital - Wembley (day hospital)
- St John Of God Subiaco Hospital - Subiaco
- St John of God Murdoch Hospital - Murdoch
- Subiaco Private Hospital - Subiaco
- Sundew Day Surgery - Joondalup (day hospital)
- The Park Private Hospital - Mount Lawley
- Waikiki Private Hospital - Waikiki
- Walcott Street Surgical Centre - Mount Lawley (day hospital)
- West Coast Endoscopy Centre - Joondalup (day hospital)
- West Leederville Private Hospital - West Leederville
- Western Haematology and Oncology Clinics - West Perth (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
88.7% is the Commonwealth Ombudsman's figure for Health Partners in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement C117/DMAL1Y, filed by Health Partners, issued 20 Aug 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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