How $44.98 is worked out
- Premium as filed - $59.28 a month
- Government rebate - 24.1% of the premium (never of the loading): -$14.30
- A month - $44.98
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): 35% back; Scale and clean (item 114): 35% back; Fluoride treatment (item 121): 35% back; Tooth extraction (item 322): 35% back | $350 per person a year |
| Glasses and contact lenses * | 2 months | Single vision glasses: 40% back; Multifocal glasses: 40% back | $100 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $0.00 | $100 per person a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: $30.00; Follow-up visit: $25.00 | $150 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $30.00; Follow-up visit: $25.00 | $150 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $30.00; Follow-up visit: $25.00 | $150 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $30.00; Follow-up visit: $25.00 | $150 per person a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: $0.00 | $100 per person a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy.
* Health Partners and participating providers are in SA only. If you attend a Health Partners Dental or participating dental provider, higher benefits and 100% back on a dental check-up, including x-rays, will apply. General dental benefits are based on the Health Partners schedule of fees. If your provider charges a higher fee, a larger gap payment will apply. At Health Partners Optical get 100% back up to your optical limit and 40% thereafter once you’ve reached your limit. At Health Partners participating physiotherapists higher benefits apply. T&Cs apply.
Other services, as filed: In South Australia, get more from your cover by using Health Partners Dental and Optical practices - like 100% back on your dental check-up (including x-rays), and 40% benefit on other general dental services. At Health Partners Optical, you get 100% back on your optical limit, and an unlimited 40% benefit after you’ve reached your limit. At our participating physios get 100% back on a physio visit and 40% thereafter, up to your limit. Save 20% every day on full-price, non-prescription products at over 50 pharmacies across South Australia, which include participating Priceline and TerryWhite Chemmart stores. T&Cs apply.
Combined limit for physio, chiro, exercise physiology & osteopathy provides flexibility for you to use your limit on what's important to you. T&Cs apply.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 2 months. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
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 E76/VGTE2D, filed by Health Partners, issued 1 May 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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