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News 07.04.26: Health insurance premiums increased by an average of 4.41% from 1 April 2026. The largest rise in nearly a decade. Read more at https://www.theguardian.com/australia-news/2026/feb/19/australian-private-health-insurance-premiums-increase-will-policies-deliver-cost-more.
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Health Partners health insurance

Is it a good health insurer?

Health Partners has 6 hospital and 26 extras policies in our comparison, from $101.38 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Health Partners Limited. Hospital, extras or both.

Explore 6 hospital and 26 extras products, or find cover by treatment. Sources for Health Partners

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 20 August 2026

I need cover for…

Compare cover across all Australian health funds.

Health Partners cover: the main choices.

If you claim podiatry every year

Best Extras has a $750 podiatry limit that it shares with other services. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

For male reproductive system treatment

Basic Hospital Plus covers male reproductive system treatment. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

Before you pay for Bronze Plus

Bronze Hospital Plus adds blood treatment and other categories compared with Basic Hospital Plus. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

Health Partners policies and example prices.

The profile you choose updates the Health Partners price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Health Partners price for your circumstances? Compare Health Partners with cover across all Australian health funds.

Compare my options

Hospital cover

6 product lines

Health Partners hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
TierProductMonthly premium after rebate
BasicBasic Accident Hospital$88.65/monthat $750 excess
Basic PlusBasic Hospital Plus$101.38/month
Bronze PlusBronze Hospital Plus$123.34/month
Silver PlusSilver Hospital Plus Lite$150.83/month
Silver PlusSilver Hospital Plus Advantage$204.40/month
GoldGold Hospital Advantage$343.02/monthat $750 excess
$53.57 more per month for Silver Hospital Plus Advantage versus Silver Hospital Plus Lite after rebate for the selected example profile.
Cataracts is an additional inclusion, not the complete list of differences.

Extras cover

26 product lines

Health Partners sells Combined Good Extras, Combined Better Extras and Combined Best Extras only with a Health Partners hospital policy.

Health Partners extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
ProductMonthly premium after rebate
Base Extras$22.26/month
Flex Extras: Eyes$31.04/month
Flex Extras: Wellness$33.24/month
Flex Extras: Body$33.93/month
Flex Extras: Teeth Pro$36.89/month
Flex Extras: Eyes / Wellness$39.09/month
Flex Extras: Eyes / Body$39.72/month
Flex Extras: Body / Wellness$41.70/month
Flex Extras: Teeth Pro / Eyes$42.39/month
Flex Extras: Teeth Pro / Wellness$44.32/month
Flex Extras: Teeth Pro / Body$44.95/month
Combined Good Extras$45.38/month
Good Extras$50.41/month
Flex Extras: Eyes / Body / Wellness$50.54/month
Flex Extras: Teeth Pro / Eyes / Wellness$53.14/month
Flex Extras: Teeth Pro / Eyes / Body$53.76/month
Flex Extras: Teeth Pro / Body / Wellness$55.70/month
Combined Growing Family Extras$57.02/month
Growing Family Extras$63.36/month
Flex Extras: Teeth Pro / Eyes / Body / Wellness$64.32/month
Combined Better Extras$71.72/month
Combined Active Family Extras$79.31/month
Better Extras$79.68/month
Active Family Extras$88.12/month
Combined Best Extras$102.07/month
Best Extras$113.41/month
All Health Partners policy pages

What does Health Partners hospital insurance cover?

2 Health Partners hospital policies fully cover cataracts

TierProductMonthly premium after rebate
Silver PlusSilver Hospital Plus Advantage$204.40/month
GoldGold Hospital Advantage$343.02/monthat $750 excess

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 6 hospital policies

Selected Health Partners treatment categories.

TreatmentBasic Accident HospitalBasicBasic Hospital PlusBasic PlusBronze Hospital PlusBronze PlusSilver Hospital Plus LiteSilver PlusSilver Hospital Plus AdvantageSilver PlusGold Hospital AdvantageGold
CataractsNot includedNot includedNot includedNot includedIncludedIncluded
Joint replacementsNot includedNot includedNot includedNot includedIncludedIncluded
Heart and vascular systemNot includedNot includedNot includedIncludedIncludedIncluded
Pregnancy and birthNot includedNot includedNot includedNot includedNot includedIncluded
Assisted reproductive servicesNot includedNot includedNot includedNot includedNot includedIncluded
Hospital psychiatric servicesRestrictedRestrictedRestrictedRestrictedRestrictedIncluded
Male reproductive systemNot includedIncludedIncludedIncludedIncludedIncluded
Gastrointestinal endoscopyNot includedIncludedIncludedIncludedIncludedIncluded
BloodNot includedNot includedIncludedIncludedIncludedIncluded
Bone, joint and muscleNot includedNot includedIncludedIncludedIncludedIncluded
Brain and nervous systemNot includedNot includedIncludedIncludedIncludedIncluded
Breast surgery (medically necessary)Not includedNot includedIncludedIncludedIncludedIncluded
Chemotherapy, radiotherapy and immunotherapy for cancerNot includedNot includedIncludedIncludedIncludedIncluded
Diabetes management (excluding insulin pumps)Not includedNot includedIncludedIncludedIncludedIncluded
Digestive systemNot includedNot includedIncludedIncludedIncludedIncluded
Ear, nose and throatNot includedNot includedIncludedIncludedIncludedIncluded
Eye (not cataracts)Not includedNot includedIncludedIncludedIncludedIncluded
Kidney and bladderNot includedNot includedIncludedIncludedIncludedIncluded
Lung and chestNot includedNot includedIncludedIncludedIncludedIncluded
Pain managementNot includedNot includedIncludedIncludedIncludedIncluded
Plastic and reconstructive surgery (medically necessary)Not includedNot includedIncludedIncludedIncludedIncluded
SkinNot includedNot includedIncludedIncludedIncludedIncluded

How we read hospital categories

More premium does not mean more back on everything.

Health Partners extras limits per 12 months unless the statement says otherwise

Selected benefitBase ExtrasFlex Extras: WellnessFlex Extras: Teeth ProCombined Good ExtrasCombined Better ExtrasBest Extras
Optical / physio benefit examplesOptical: 40% of eligible charge. Physio: $30.00 set benefit for an initial visitNot includedNot includedOptical: 100% of eligible charge. Physio: $35.00 set benefit for an initial visitOptical: 100% of eligible charge. Physio: $40.00 set benefit for an initial visitOptical: 100% of eligible charge. Physio: $50.00 set benefit for an initial visit
Optical limit$100.00Not includedNot included$200.00sub-limits apply$250.00sub-limits apply$300.00sub-limits apply
Physiotherapy limit$150.00sub-limits apply. Shared with chiropractic, exercise physiology & osteopathyNot includedNot included$450.00sub-limits apply. Shared with chiropractic, exercise physiology & osteopathy$600.00sub-limits apply. Shared with chiropractic, exercise physiology & osteopathy$1,200.00sub-limits apply. Shared with chiropractic, exercise physiology & osteopathy
Major dental + endodontic limitNot included$500.00Shared with general dental$1,000.00sub-limits apply. Shared with general dental & orthodontic$1,000.00Shared with general dental$900.00$1,200.00
Psychology included?NoYesNoYesYesYes
Optical waiting period2 monthsNot includedNot included2 months2 months2 months
Source statementSingle-policy exampleSingle-policy exampleSingle-policy exampleSingle-policy exampleSingle-policy exampleSingle-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Why Health Partners' shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 2 months.

How shared limits work

Health Partners vs. Australian Unity vs. St Lukes

How Health Partners compares with similar hospital policies.

These are selected Silver Plus examples from Australian Unity and St Lukes, not identical policies or a search for the cheapest cover across the market.

Comparing Health Partners Silver Hospital Plus Lite with Australian Unity Intermediate Hospital (Silver Plus) and St Lukes Silver Plus Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Health Partners and selected alternatives: monthly prices and verified coverage differences.

CompareHealth PartnersSilver Hospital Plus LiteReference policyAustralian UnityIntermediate Hospital (Silver Plus)$26.09 more a month than Health PartnersSt LukesSilver Plus Hospital$41.30 more a month than Health Partners
Monthly premium after rebate$150.83/month (lowest price in this row)$176.92/month$192.13/month
CataractsNot includedNot includedNot included
Joint replacementsNot includedNot includedNot included
Pregnancy and birthNot includedNot includedNot included
Hospital psychiatric servicesRestrictedRestrictedRestricted
Heart and vascular systemIncludedIncludedIncluded
Policy detailsView Health Partners Silver Hospital Plus LiteView Australian Unity Intermediate Hospital (Silver Plus)View St Lukes Silver Plus Hospital

Price assumptions

What the differences mean for you

All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.

These alternatives match Health Partners Silver Hospital Plus Lite on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Health Partners and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

CompareHealth PartnersSilver Hospital Plus LiteAustralian UnityIntermediate Hospital (Silver Plus)St LukesSilver Plus Hospital
RehabilitationIncludedIncludedIncluded
Insulin pumpsIncludedIncludedIncluded
Pain management with a deviceNot includedNot includedNot included
Dialysis for chronic kidney failureNot includedNot includedNot included
CataractsNot includedNot includedNot included
Joint replacementsNot includedNot includedNot included
Hospital psychiatric servicesRestrictedRestrictedRestricted
Pregnancy and birthNot includedNot includedNot included
Assisted reproductive servicesNot includedNot includedNot included
Heart and vascular systemIncludedIncludedIncluded
Back, neck and spineIncludedIncludedIncluded
BloodIncludedIncludedIncluded
Bone, joint and muscleIncludedIncludedIncluded
Brain and nervous systemIncludedIncludedIncluded
Breast surgery (medically necessary)IncludedIncludedIncluded
Chemotherapy, radiotherapy and immunotherapy for cancerIncludedIncludedIncluded
Dental surgeryIncludedIncludedIncluded
Diabetes management (excluding insulin pumps)IncludedIncludedIncluded
Digestive systemIncludedIncludedIncluded
Ear, nose and throatIncludedIncludedIncluded
Eye (not cataracts)IncludedIncludedIncluded
Gastrointestinal endoscopyIncludedIncludedIncluded
GynaecologyIncludedIncludedIncluded
Hernia and appendixIncludedIncludedIncluded
Implantation of hearing devicesIncludedIncludedIncluded
Joint reconstructionsIncludedIncludedIncluded
Kidney and bladderIncludedIncludedIncluded
Lung and chestIncludedIncludedIncluded
Male reproductive systemIncludedIncludedIncluded
Miscarriage and termination of pregnancyIncludedIncludedIncluded
Pain managementIncludedIncludedIncluded
Palliative careIncludedIncludedIncluded
Plastic and reconstructive surgery (medically necessary)IncludedIncludedIncluded
Podiatric surgery (provided by a registered podiatric surgeon)IncludedIncludedIncluded
SkinIncludedIncludedIncluded
Sleep studiesIncludedIncludedIncluded
Tonsils, adenoids and grommetsIncludedIncludedIncluded
Weight loss surgeryNot includedNot includedNot included

Compare Health Partners with cover from every Australian health fund.

Compare all funds

Health Partners against the industry.

  • Health Partners members had no gap on 88.8% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026

  • Health Partners paid 54.6% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026

  • Health Partners increased premiums by an average of 3.94% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

4.1 / 5

65 Google reviews

Voluntary customer reviews · Health Partners on Pirie Street in Adelaide

Snapshot: 26 October 2026. This is the Google listing for Health Partners on Pirie Street in Adelaide, not a rating of Health Partners as a whole or a representative survey. This small sample may not reflect the experience of most members.

Read Health Partners on Pirie Street in Adelaide reviews at the source

Complaint share is close to market share

State of the Health Funds Report 2024-25 · checked 26 October 2026

Health Partners' share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0.9%.

Latest quarter, January to March 2026. The Ombudsman referred 1 complaint about Health Partners Limited to it to resolve, 0.2% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

4.0 / 5

94 App Store ratings

Health Partners app · Health Partners Limited

Snapshot: 22 October 2026. This rates the Health Partners app on the Australian App Store, not Health Partners' cover or claims. This small sample may not reflect the experience of most members.

See Health Partners on the App Store

Google Play

2.9 / 5

52 Google Play reviews

Health Partners app · Health Partners Ltd

Snapshot: 22 October 2026. This rates the Health Partners app on Google Play, not Health Partners' cover or claims. This small sample may not reflect the experience of most members.

See Health Partners on Google Play
What review and complaint figures mean

Check the practical details.

  • Check your provider

    Confirm that Health Partners recognises your provider. Ask for a treatment plan and item numbers so Health Partners can estimate your benefits and out-of-pocket costs.

    Health Partners provider search

  • Make or track a claim

    Use Health Partners' health claims guidance and member login for receipts, claim tracking and remaining benefits.

    Claims guidanceHealth member login

Contact Health Partners

For health insurance enquiries, call 1300 113 113. Monday to Thursday 8am to 8pm, Friday 8am to 5:30pm and Saturday 9am to 1pm (ACST/ACDT). Closed Sundays and South Australian public holidays.Contact details checked 22 October 2026.Official contact details and messaging options

Before you choose Health Partners.

Who owns Health Partners?

Health Partners is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.

Source: Government insurer profile, checked 22 October 2026.

What is the cheapest Health Partners hospital policy?

Basic Hospital Plus is the cheapest Health Partners hospital policy for a single person in NSW with a $500 hospital excess, at $101.38 a month after the 24.118% government rebate for adults under 65 (prices effective 20 August 2026). This compares all 6 Health Partners hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Hospital Plus to Silver Hospital Plus Lite?

Health Partners Silver Hospital Plus Lite adds full cover for insulin pumps, heart and vascular system and 6 more categories compared with Bronze Hospital Plus. For the Single / NSW / $500 excess example it costs $27.49 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Health Partners.

Policy information retrieved 26 October 2026. Prices effective 20 August 2026.

How we compare health insurers
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