(before any rebate, loading or discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in NSW & ACT
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 31, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Hospital psychiatric services | Palliative care | Rehabilitation |
| Assisted reproductive services | Ear, nose and throat | Male reproductive system |
| Back, neck and spine | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Blood | Gastrointestinal endoscopy | Pain management |
| Bone, joint and muscle | Gynaecology | Pain management with device |
| Brain and nervous system | Heart and vascular system | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hernia and appendix | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Skin |
| Dental surgery | Joint reconstructions | Sleep studies |
| Diabetes management (excluding insulin pumps) | Joint replacements | Tonsils, adenoids and grommets |
| Dialysis for chronic kidney failure | Kidney and bladder | Weight loss surgery |
| Digestive system | Lung and chest |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Accident Cover provides you with protection for all excluded clinical categories on your policy. Meaning, you will receive the highest level of cover if you require treatment as a result of an accident (as defined by Health Partners). T&Cs apply. Members can also access a range of discounts, refer to the ‘Member Discount’ page at healthpartners.com.au.
Health Partners operates a preferred provider scheme available only in South Australia. See https://www.healthpartners.com.au/members/providers/.
| Note, for items marked with an asterisk *: Health Partners and participating providers are in SA only (Dental, Optical, Physio and Pharmacy). Receive higher benefits and 100% back on 2x dental check-ups, including x-rays. 100% back up to your optical limits with a bonus $100 on top of your limit 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. Pharmacy benefits are only available at the participating pharmacies across South Australia. T&Cs apply. Waiting periods, exclusions, limits and conditions may apply. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | No annual limit (no limit on preventative dental) | Periodic oral examination - $43.55 Scale & clean - $93.60 Fluoride treatment - $26.00 Surgical tooth extraction - $271.70 |
| Major dental* | 12 | $1,000 per person (combined limit for major dental & endodontic) | Full crown veneered - $1,000.00 |
| Endodontic* | 12 | Filling of one root canal - $220.35 | |
| Orthodontic | 12 | $1,500 lifetime limit (Sub-limits apply) | Braces for upper & lower teeth, including removal plus fitting of retainer - 70% of charge |
| Optical* | 2 | $200 per person | Single vision lenses & frames - 100% of charge Multi-focal lenses & frames - $100.00 |
| Non PBS pharmaceuticals* | 2 | $400 per person (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - n/a |
| Physiotherapy* | 2 | $1,000 per person (combined limit for physiotherapy, chiropractic, podiatry, exercise physiology, eye therapy (orthoptics), orthotics (podiatric orthoses) & osteopathy) | Initial visit - $40.00 Subsequent visit - $35.00 |
| Chiropractic | 2 | Initial visit - $40.00 Subsequent visit - $35.00 | |
| Podiatry | 2 | Initial visit - $35.00 Subsequent visit - $30.00 | |
| Psychology | 2 | $500 per person (combined limit for psychology, dietetics/dietary advice, health management / healthy lifestyle, occupational therapy & speech therapy) | Initial visit - $75.00 Subsequent visit - $75.00 |
| Acupuncture | 2 | $200 per person (combined limit for acupuncture, remedial massage & chinese medicine) | Initial visit - $30.00 Subsequent visit - $30.00 |
| Remedial massage | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Chinese medicine | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Dietetics/dietary advice | 2 | Combined limit - see Psychology | Initial visit - $40.00 Subsequent visit - $30.00 |
| Exercise physiology | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $35.00 |
| Eye therapy (orthoptics) | 2 | Combined limit - see Physiotherapy | Initial visit - $35.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | Combined limit - see Psychology | Health management - 70% of charge |
| Occupational therapy | 2 | Combined limit - see Psychology | Initial visit - $40.00 Subsequent visit - $30.00 |
| Orthotics (podiatric orthoses) | 12 | Combined limit - see Physiotherapy | Orthotics supply & fit - $70.00 |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $35.00 |
| Speech therapy | 2 | Combined limit - see Psychology | Initial visit - $40.00 Subsequent visit - $30.00 |
| Vaccinations* | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - n/a |
| In South Australia, get more from your cover by using Health Partners Dental and Optical practices - like 100% back on 2x dental check-ups (including x-rays). Plus, 70% 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 70% 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. | |||
| Blood glucose monitors | Hearing aids | Other treatments - check with your insurer |
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.
In NSW & ACT this policy provides:
Emergency: Unlimited with no waiting period.
Call-out fees: will not be paid.
https://www.healthpartners.com.au/health-insurance/understanding-private-health-insurance/
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.