A nonprofit mutual organisation, Health Partners was founded in South Australia in 1937. Today it has 80,000-plus members throughout Australia, and several dental and optical centres in SA. It is part of Members Own Health Funds, an alliance of 15 nonprofit and mutual health funds that promotes the benefits of funds that reward members rather than investors or overseas owners.
Phone: 1300 113 113
Health Partners complaints rating: Medium
When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating.
A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.
Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
- Well above average
- Above average
- Below average
- Well below average
The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated.
The table below shows how many hospital agreements Health Partners has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.
Discount for direct debit: 3%
Discount for annual prepay: None
Total discount for annual prepay via direct debit: 3%
Youth discounts: Offered on some Bronze, Silver, Silver Plus and Gold policies; these are transferable (you can transfer a discount from another fund to one of these policies.)
Does Health Partners offer ambulance cover?
All Health Partners extras, hospital and combined policies have emergency ambulance cover.
Cover is capped at $20,000, and:
- Hospital: one emergency or non-emergency trip/person/year
- Bronze hospital: one person with maximum two per policy.
Yes, adult children are covered up to age 21 and up to age 25 if in full-time study and does not have a partner.
Online claiming and app available.