Health Partners
Basic Hospital Plus $500 Excess with Flex Extras: Teeth Pro / Body
Health Partners
How $135.60 is worked out
- Premium as filed - $178.70 a month (hospital share $124.84)
- Government rebate - 24.1% of the premium (never of the loading): -$43.10
- A month - $135.60
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. $500 per admission. $500 per person a year. $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 | $1,000 per policy a year (shared with other services) |
| Major dental * | 12 months | Crown (item 615): 60% back | $1,000 per policy a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): 60% back | $1,000 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 60% back | $1,000 per policy a year (shared with other services) |
| Prescriptions not on the PBS * | 2 months | Prescription: $0.00 | $200 per policy a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $400 per policy a year (shared with other services) |
| Vaccinations * | 2 months | Vaccination: $0.00 | $200 per policy a year (shared with other services) |
Not covered: Glasses and contact lenses, 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 providers are in SA only (Dental, Optical, Physio and Pharmacy). Get more back with Health Partners providers, including 100% back on 2 x dental check-ups and 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, like 100% back on 2 dental check-ups (including x-rays) and 100% back on your first physio visit each year. Also get 60% back on dental and physio services up to your limits, at Health Partners and other recognised 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 Tasmania
Health Partners has agreements with 11 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Private Hospital - Hobart
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- North West Private Hospital (Tas) - Burnie
- Specialist Care Australia Launceston - Launceston (day hospital)
- Specialist Care Australia Ulverstone - Ulverstone (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
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 C93/SMUU10, 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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