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Compare Health Partners health insurance

How Health Partners rates for member complaints, gap cover and ambulance.

PF Health Partners
CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Who is Health Partners?

A nonprofit mutual organisation, Health Partners was founded in South Australia in 1937. It has 90,000-plus members throughout Australia, and several dental and optical centres in SA. It's also part of Members Health, an alliance of nonprofit and mutual health funds.

Phone: 1300 113 113


Does Health Partners get many complaints from members?

Health Partners has a Low complaints rating.

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.

How good is Health Partners' gap cover?

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.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

How many hospital agreements does Health Partners have in each state?

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.

 Does Health Partners offer any discounts?

Discount for direct debit: 3% 

Discount for annual prepay: None 

Youth discounts: These are offered on all hospital policies and are transferable (meaning you can transfer a discount from another fund to one of these policies).

Does Health Partners offer ambulance cover?

All Health Partners hospital policies currently available for sale have unlimited emergency ambulance cover. Extras policies offer limited cover capped at $20,000 per year. In South Australia, extras policies will cover the cost of an ambulance subscription. 

Does Health Partners offer family policies that cover adult children?

  • Adult children are covered on family policies for free until they turn 21.
  • Full-time students are covered on family policies for free until they turn 25.
  • Adult children younger than 25 can be covered on extended family policies for an extra cost. 

Does Health Partners let you claim online or in-app?

You can claim online and via an app (iOS and Android).

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.

Stock images: Getty, unless otherwise stated.