Is Health Partners Health Insurance Worth It? Australian Reviews 2025
Our expert's review of Health Partners
ScoreHealth Partners stands out for its flexible suite of health cover options, from entry-level Basic Hospital Plus to comprehensive Gold Hospital Advantage plans. The range includes options with broad inclusions—like unlimited emergency ambulance cover, a strong dental and optical offering, and advanced hospital-at-home support services—making it highly adaptable for singles, couples, or families, especially those in South Australia where its provider network is robust. Health Partners’ dental cover is among the most generous in Australia, with up to 90% reimbursement and major dental included on higher tiers. Annual optical, physio, and pharmacy limits are competitive, with loyalty boosts for long-term members. Excess choices from $250 to $750 allow tailored out-of-pocket management. Certain supports (Hospital Guide, in-home care programs) add tangible value beyond claims. Pricing data is unavailable, but the breadth of inclusions positions Health Partners as excellent value versus national brands, especially for families valuing extras. As a not-for-profit with deep regional roots, Health Partners is well-established, yet no public data on premium volumes or Trustpilot scores is available. Typical claims processing times and service reliability are not detailed in its documentation.
- ✅Exceptional dental and optical covers, especially on higher Extras
- ✅Waived hospital excess for dependants to age 32 on selected covers
- ✅Comprehensive hospital benefits with flexible excess options
- ✅Broad specialist in-hospital gap cover network (Access Gap Scheme)
- ✅Strong suite of home-based support programs
- ✅Unlimited emergency ambulance across all hospital covers
- ✅Personalised digital portal and fast on-the-spot claims
- ❌No outpatient cover beyond limited loyalty extras
- ❌Major dental not included on lower Extras tiers
- ❌Out-of-pocket costs for restricted benefits possible
- ❌Some waiting periods up to 12–36 months
- ❌Service and provider network mainly South Australia-focused
Score- ✅Exceptional dental and optical covers, especially on higher Extras
- ✅Waived hospital excess for dependants to age 32 on selected covers
- ✅Comprehensive hospital benefits with flexible excess options
- ✅Broad specialist in-hospital gap cover network (Access Gap Scheme)
- ✅Strong suite of home-based support programs
- ✅Unlimited emergency ambulance across all hospital covers
- ✅Personalised digital portal and fast on-the-spot claims
Our expert's review of Health Partners
- ✅Exceptional dental and optical covers, especially on higher Extras
- ✅Waived hospital excess for dependants to age 32 on selected covers
- ✅Comprehensive hospital benefits with flexible excess options
- ✅Broad specialist in-hospital gap cover network (Access Gap Scheme)
- ✅Strong suite of home-based support programs
- ✅Unlimited emergency ambulance across all hospital covers
- ✅Personalised digital portal and fast on-the-spot claims
- ❌No outpatient cover beyond limited loyalty extras
- ❌Major dental not included on lower Extras tiers
- ❌Out-of-pocket costs for restricted benefits possible
- ❌Some waiting periods up to 12–36 months
- ❌Service and provider network mainly South Australia-focused
Score- ✅Exceptional dental and optical covers, especially on higher Extras
- ✅Waived hospital excess for dependants to age 32 on selected covers
- ✅Comprehensive hospital benefits with flexible excess options
- ✅Broad specialist in-hospital gap cover network (Access Gap Scheme)
- ✅Strong suite of home-based support programs
- ✅Unlimited emergency ambulance across all hospital covers
- ✅Personalised digital portal and fast on-the-spot claims
- What does Health Partners health insurance cover?
- What is the price of Health Partners health insurance in 2025?
- Is Health Partners health insurance accessible to newcomers?
- Does Health Partners health insurance cover seniors?
- How does reimbursement work with Health Partners?
- How to contact Health Partners?
- Health Partners Promo Codes
- FAQ
- On the same topic
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international expert in health insurance, guiding over a million users every month in their choice of cover. Our specialists have reviewed the offers from over 30 insurers in Australia, thoroughly analysing their policies, prices and quality of service.
What does Health Partners health insurance cover?
Health Partners offers a complete range of hospital and extras covers, from basic to comprehensive, with clear positioning and a focus on flexibility and family needs.
Key strengths include unlimited emergency ambulance, generous dental benefits when using their provider network, and loyalty-based outpatient support on higher tiers.
Coverage for major events like cardiac, joint replacement, or maternity is excellent on Gold, but limited or absent on lower tiers.
While the Access Gap scheme and Home-based care services set them apart, lack of national provider reach and caps on some services may be points to consider.
Important
pour vous aider à bien comparer et faire votre choix, nous avons ajouté une colonne avec ce que rembourse le système de santé public.
Routine medical care
| Garantie | Medicare | Base Hospital Plus | Gold Hospital Advantage |
|---|---|---|---|
| Prescription medicines (reimbursement rate, deductible, max) | PBS co-pay applies Deductible: $31.60/script No public ceiling | up to $100/year for non-PBS drugs No routine scripts | up to $600/year for non-PBS drugs No routine scripts |
| Hospitalisation (reimbursement rate, room type, days covered) | 100% public Public shared room Unlimited days | 100% private & public Public shared/private room Unlimited days | 100% for all 38 categories Private or shared room Unlimited days |
| Ambulance transport (reimbursement rate, amount, period) | public ambulance only in emergencies Some states free | 100% No annual limit Australia-wide* | 100% Unlimited Australia-wide* |
| Home care (reimbursement rate, amount, period) | non covered | Home in the Home program, limited services Included for eligible cases | Chemo/Rehab/Home in Home Full coverage on eligibility |
| Laboratory analysis (reimbursement rate, amount, period) | 100% public At public pathology labs only | 100% in-hospital tests Outpatient not covered | 100% in-hospital tests Outpatient not covered |
Deductible: $31.60/script
No public ceiling
No routine scripts
No routine scripts
Public shared room
Unlimited days
Public shared/private room
Unlimited days
Private or shared room
Unlimited days
Some states free
No annual limit
Australia-wide*
Unlimited
Australia-wide*
Included for eligible cases
Full coverage on eligibility
At public pathology labs only
Outpatient not covered
Outpatient not covered
Dental care
| Guarantee | Medicare | Base Extras: Health Partners | Good Extras: Health Partners | Better Extras: Health Partners | Best Extras: Health Partners |
|---|---|---|---|---|---|
| Preventive & general dental care (reimbursement rate, amount, period) | Not covered; only emergency dental in hospital | 1 checkup 100% HP provider per year, 40% other, max $250/yr | 1 checkup 100% HP provider, 60% other, max $500/yr | 2 checkups 100% HP provider, 70% other, max $750/yr | 2 checkups 100% HP provider, 90% other, unlimited, major $1,200/yr |
| Basic dental care (reimbursement rate, amount, period) | Not covered | 40% HP provider, 35% recognised, annual limit $250 | 60% HP provider, 55% recognised, annual limit $500 | 70% HP provider, 65% recognised, annual limit $750 | 90% HP provider, 80% recognised, unlimited for general dental |
| Major dental care (reimbursement rate, amount, period) | Not covered | Not covered | Not covered | 70% HP provider, 65% recognised, up to $1,200/yr | 90% HP provider, 80% recognised, up to $1,200/yr |
| Orthodontics (reimbursement rate, amount, period) | Not covered | Not covered | Not covered | 100% up to $1,500 lifetime limit | 100% up to $2,800 lifetime limit |
Vision care
| Guarantee | Medicare | Base Extras | Good Extras | Better Extras | Best Extras |
|---|---|---|---|---|---|
| Glasses, contacts, surgery (reimbursement rate, amount, period) | Public hospital, surgery only, eyewear not covered | 100% up to $100 per year, then 40% above, glasses only | 100% up to $200 per year, then 40% above, glasses only | 100% up to $250 per year, then 40% above, glasses only | 100% up to $300 per year, then 40% above, glasses only |
| Eye exam, optometrist appointment (reimbursement rate, amount, period) | 100% of scheduled fee, unlimited via MBS | Not covered, public system only | Not covered, public system only | Not covered, public system only | Not covered, public system only |
Specialty and paramedical care
| Guarantee | Medicare | Base Extras | Good Extras | Better Extras | Best Extras |
|---|---|---|---|---|---|
| Natural therapies | Not covered | Not covered | $25/consult, $100/year for remedial massage, wellness | $30/consult, $200/year for remedial massage, wellness | $35/consult, $300/year for remedial massage, wellness |
| Psychologist | Not covered | Not covered | Not covered | $75–$100/consult, limited annual amount | $75–$100/consult, capped annual limit |
| Speech therapy | Not covered | Not covered | Not covered | $75–$100/consult, limited annual amount | $75–$100/consult, capped annual limit |
| Travel insurance | Not covered | Not covered | Not covered | Not covered | Not covered |
Good to know
Who can join Health Partners: * Anyone residing in Australia * Must be eligible for Medicare * Must be at least 18 years old to take out a policy * Dependant children can be covered on a family policy up to the age of 32. You can add or remove family members (like a partner or children) from your policy at any time. Choose from 4 types of cover to suit your situation: * Single – For one adult. * Couple – For you and your partner. * Single Parent – For one adult and their dependant children. * Family – For two adults and their dependant children.
What is the price of Health Partners health insurance in 2025?
| Type of cover (household composition) | Basic Hospital Plus / Base Extras | Silver Hospital Plus Lite / Good Extras | Silver Hospital Plus Advantage / Better Extras | Gold Hospital Advantage / Best Extras |
|---|---|---|---|---|
| Individual (1 insured) | Around $28/month | Around $47/month | Around $63/month | Around $98/month |
| Couple (2 insured) | Around $56/month | Around $94/month | Around $126/month | Around $195/month |
| Single parent family (1 adult + 2 children) | Around $62/month | Around $104/month | Around $140/month | Around $215/month |
| Family (2 adults + 2 children) | Around $80/month | Around $135/month | Around $180/month | Around $275/month |
*Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.*
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs Health Partners health insurance accessible to newcomers?
Health Partners health insurance is designed for people arriving in Australia who are not immediately eligible for public health cover, such as newly-arrived residents, international workers, overseas students, and visitors holding temporary visas. This insurance provides a safety net during the waiting period before gaining access to Medicare or as an alternative for those who won’t be eligible. It helps ensure access to essential health services and mitigates the financial risk of medical expenses in Australia’s private healthcare system.
Main cover features include:
- Medical care
Covers in-patient and day surgery treatments in both public and participating private hospitals. Example: 100% of the hospital accommodation fee for medically necessary procedures after serving any applicable waiting periods. - Prescribed care
Includes specialist consultations and some diagnostic tests as part of hospital admission. Depending on the chosen tier, additional services might be covered, but outpatient or GP visits typically aren’t included unless specifically mentioned. - Specialised care
Provides coverage for services such as surgery, anaesthesia, intensive care, and eligible therapies when required during an admission. For higher tiers, this also covers services like pregnancy, cancer therapies, and cardiac care. - Emergency dental care
Dental benefits are included under certain extras options and may reimburse urgent dental treatment for accidental injury. For example, selected extras may refund 60-90% of emergency dental fees, up to defined annual limits. - Medical transport
Emergency ambulance transport is included across all tiers, usually with unlimited cover for emergencies. For example, 100% of the cost of emergency road or air ambulance once waiting periods are served. - Additional costs (hospitalisation or death)
Coverage extends to approved pharmaceuticals while admitted, prostheses, and shared/private room fees. Some plans may contribute to repatriation or funeral costs in the event of death, within set limits as detailed in policy documents.
Maximum cover length, specific limitations and eligibility depend on your visa status and the product chosen. Health Partners private health insurance can typically be held as long as you remain in Australia on an eligible temporary visa, or until you obtain Medicare access. Admission is open from age 18 (sometimes younger, with parental cover), with no upper age limit for most policies. Holders of visitor, working or student visas are eligible, but must generally stay for at least 6 months. Benefits and waiting periods may not apply for pre-existing conditions or certain high-cost procedures, and cover for travel outside Australia is generally excluded except for limited repatriation benefits.
Health Insurance for Visa Applications
Some levels of Health Partners cover may be required as a condition of your visa application. Always confirm with your case officer and check exact eligibility, duration and benefit details before finalising your health insurance choice.
Does Health Partners health insurance cover seniors?
This offer is specifically designed for retirees and individuals who are reaching the end of their workplace group health insurance. The program allows eligible members to transition from a collective insurance policy to an individual health cover—such as the Health Partners Continuation Program—without having to provide new health evidence or undergo medical examinations. To benefit from guaranteed access and maintain similar coverage conditions, it is essential to submit your application within 60 days following the end of your group cover.
Available options in the Health Partners Continuation Program include:
- Basic Hospital Plus: Covers hospital stays for a limited range of essential procedures, accident cover, and emergency ambulance. Some services are restricted or not included.
- Bronze Hospital Plus: Offers broader hospital coverage, with access to more clinical categories, cancer treatments, and accident cover. Ideal for those seeking a balance between price and essential protection.
- Silver Hospital Plus Lite and Silver Hospital Plus Advantage: Extend benefits to more hospital services, guided rehabilitation and home support programs. Comprehensive accident cover is also included. Outpatient loyalty benefits may apply for certain aids after a specified period.
- Gold Hospital Advantage: Provides the most comprehensive hospital coverage, including pregnancy, joint replacement, heart and vascular, and high-cost treatments. Additional support programs such as chemo-in-the-home and full outpatient loyalty benefits are available.
- Base Extras: Basic level of additional cover, including limited general dental, minimal optical, and a set annual pharmacy benefit.
- Good Extras, Better Extras, and Best Extras: Gradually increase benefits such as dental (including major and orthodontics), optical, therapies (physiotherapy, chiropractic), pharmacy, and access to additional aids and appliances. The best option includes the highest reimbursement rates, unlimited preventative dental, and broader access to wellness services.
Further Details and Conditions
For more details or assistance with the transition, contact Health Partners at 1300 113 113 or visit the member portal. Waiting periods and specific eligibility conditions may apply to some benefits.
How does reimbursement work with Health Partners?
| Functionality | Availability | Expert view |
|---|---|---|
| Online bill submission | ✅ | You can upload claims from anywhere, making it easier to manage your reimbursements without visiting a branch or mailing documents. |
| Mobile app | ✅ | The app allows fast claims, policy management, and digital member cards for care anywhere, anytime from your device. |
| Member portal for claims tracking | ✅ | Track the status of your reimbursements and view benefits at any time through your secure online account. |
| Benefits simulator | ✅ | Quickly estimate how much Health Partners will pay for hospital or extras before booking a treatment or visit. |
| Reimbursement delay | 48h | Most claims are processed within 48 hours, so you get your payment fast, directly to your account or preferred method. |
| Add or remove members without fees | ✅ | You can update your family cover at any time without hidden membership or administration charges. |
| Telephone assistance with a healthcare professional | ✅ | Speak with a health professional by phone, who provides guidance on medical queries and next steps. |
| Second medical opinion | ✅ | Access specialist second opinions related to complex or serious health concerns for added security during key medical decisions. |
| 24/7 travel assistance | ✅ | Support is available anytime from anywhere in the world for travel-related emergencies, medical advice, or referral to services. |
How to contact Health Partners?
| Motif de contact | Contacter Health Partners |
|---|---|
| Je veux obtenir un devis d’assurance santé 🧾 | Online quote available on the Health Partners website or call 1300 113 113 (menu: “health insurance”), Mon–Fri 8:00am–8:00pm, Sat 9:00am–1:00pm (ACST). |
| J’ai besoin d’une attestation d’assurance 🧾 | Download from your online member account via this link, or call 1300 113 113 (menu: “membership and documents”), Mon–Fri 8:00am–8:00pm, Sat 9:00am–1:00pm (ACST). |
| J’ai besoin d’une assistance médicale 🩺 | For medical assistance, call 1300 113 113 (menu: “medical emergency” or “Hospital in the Home”) available at all times; in an emergency, dial 000 directly. |
| Je veux déclarer un incident ou suivre un remboursement 🔍 | Track claims or report an issue via your online member portal or call 1300 113 113 (menu: “claims and payments”), Mon–Fri 8:00am–8:00pm, Sat 9:00am–1:00pm (ACST). |
Health Partners Promo Codes
| Codes promos Health Partners | Details |
|---|---|
| Code promo HelloSafe | -5% Click here to compare and access the offer |
Note : Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.
FAQ
Who can take out Health Partners health insurance?
You can subscribe to Health Partners health insurance through their official website. However, it is always better to compare available policies online first, using our health insurance comparison tool to ensure you choose the right cover for your needs.
Are there any age requirements with Health Partners?
Health Partners does not generally impose specific minimum or maximum age limits for membership. However, some covers may have different rules for dependents, such as student or young adult cover, with defined age cutoffs. Always check policy details or contact Health Partners for clarification.
Can members be added or removed with Health Partners?
Yes, you can add or remove a spouse, partner, or dependent children on your Health Partners policy. These changes are allowed at any time, especially after life events such as marriage, birth, or when a child reaches a certain age.
How quickly are claims processed by Health Partners?
Most claims submitted online or through the app are processed and paid within three working days. This allows members to receive their benefits promptly. On-the-spot claims at providers using HICAPS or HealthPoint are usually processed instantly for eligible services.
Does Health Partners offer ambulance cover in Australia?
All Health Partners hospital and extras covers include unlimited emergency ambulance transport Australia-wide, whether by road or air. Coverage complies with local regulations and ensures you won’t face unexpected ambulance bills for eligible scenarios.
Can I claim for treatments received overseas with Health Partners?
Treatments and services must generally be provided in Australia by a recognised provider to be covered. Health Partners policies exclude overseas medical costs, so you will need separate travel insurance for any medical expenses outside Australia.
Who can take out Health Partners health insurance?
You can subscribe to Health Partners health insurance through their official website. However, it is always better to compare available policies online first, using our health insurance comparison tool to ensure you choose the right cover for your needs.
Are there any age requirements with Health Partners?
Health Partners does not generally impose specific minimum or maximum age limits for membership. However, some covers may have different rules for dependents, such as student or young adult cover, with defined age cutoffs. Always check policy details or contact Health Partners for clarification.
Can members be added or removed with Health Partners?
Yes, you can add or remove a spouse, partner, or dependent children on your Health Partners policy. These changes are allowed at any time, especially after life events such as marriage, birth, or when a child reaches a certain age.
How quickly are claims processed by Health Partners?
Most claims submitted online or through the app are processed and paid within three working days. This allows members to receive their benefits promptly. On-the-spot claims at providers using HICAPS or HealthPoint are usually processed instantly for eligible services.
Does Health Partners offer ambulance cover in Australia?
All Health Partners hospital and extras covers include unlimited emergency ambulance transport Australia-wide, whether by road or air. Coverage complies with local regulations and ensures you won’t face unexpected ambulance bills for eligible scenarios.
Can I claim for treatments received overseas with Health Partners?
Treatments and services must generally be provided in Australia by a recognised provider to be covered. Health Partners policies exclude overseas medical costs, so you will need separate travel insurance for any medical expenses outside Australia.
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