How $126.73 is worked out
- Premium as filed - $167.01 a month
- Government rebate - 24.1% of the premium (never of the loading): -$40.28
- A month - $126.73
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): $34.50; Scale and clean (item 114): $74.00; Fluoride treatment (item 121): $20.50; Tooth extraction (item 322): $215.50 | $800 per person a year |
| Major dental * | 12 months | Crown (item 615): $500.00 | $500 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $174.50 | $500 per person a year (shared with other services) |
| Glasses and contact lenses * | 2 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $0.00 | $200 per person a year (shared with other services) |
| Physiotherapy * | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $500 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $500 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $500 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $75.00; Follow-up visit: $75.00 | $300 per person a year (shared with other services) |
| Acupuncture | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $200 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $200 per person a year (shared with other services) |
| Antenatal and postnatal | 2 months | First visit: 60% back; Follow-up visit: 60% back | $300 per person a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $30.00 | $200 per person a year (shared with other services) |
| Dietitian | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $300 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $500 per person a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $500 per person a year (shared with other services) |
| Occupational therapy | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $300 per person a year (shared with other services) |
| Orthotics | 12 months | Benefit: 60% back | $500 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $500 per person a year (shared with other services) |
| Speech therapy | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $300 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, Hearing aids, Blood glucose monitors, Audiology, Health management programs, Home nursing.
* 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. 100% back up to your optical limits applies anywhere (bonus $100 on top of your limit at Health Partners Optical). At Health Partners Optical you also receive 40% thereafter once limit reached. Kids receive 100% back at Health Partners Dental (General and Major) as well as Health Partners participating physiotherapist. Waiting periods, exclusions, limits and conditions may 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). Plus, 60% benefit on other general and major dental services, up to your limits. At Health Partners Optical, you get 100% back on your optical limit, and an unlimited 40% benefit after you’ve reached your limit. 100% back on your optical limit is also available at other recognised optical providers, sub-limit applies. At our participating physios get 60% back on a physio visit, 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 limits create flexibility for you to use your limit on what's important to you. Acupuncture and remedial massage limits also includes other natural therapies, such as Chinese herbalism, myofascial release, therapeutic massage, Swedish massage, myotherapy & nutritionist. 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 E90/VHUQ20, filed by Health Partners, issued 1 Apr 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.