Health Partners Review

Overview

Health Partners is 80 years old and South Australia’s largest open health fund. Health Partners is not-for-profit and invests its dividends back into the health fund to afford members more quality and competitive health care.

Health Partners is part of Members Own, a group of like-minded health funds that operate to invest its profits back into its membership. Health Partners has its own Dental centers and Optical stores in South Australia with over 75,000 appointments each year.

Health Partners Key Facts

Founded: 1937

For-Profit or Not-For-Profit? Not-For-Profit

Private Hospital Agreements Nationwide: 285

Day Hospital Agreements Nationwide: 274

Health Deal Represented? No

Headquarters: Adelaide, SA

Health Partners Hospital Cover

Health Partners offer 4 hospital policies suitable for all needs and ages, ranging from Bronze Hospital to Gold hospital cover. All of these policies provide coverage for your stay as a private patient and as a minimum benefit include restrictive cover for rehabilitation, psychiatric, and palliative services. Here is a list of the current hospital covers available:

  • Bronze Hospital
  • Silver Hospital
  • Silver Hospital Plus
  • Gold Hospital

Health Partners Extras Cover

Extras Cover takes care of the everyday healthcare service expenses that are not generally covered under Medicare such as dental services, prescription glasses, and physiotherapy. Here is a list of some of the current extras covers available:

  • Starter Extras
  • Standard Extras
  • Top Extras

Health Partners Waiting Periods

Health Partners recognise the waiting periods you have already served with a previous health fund if you switch, this is called “portability”. For first-timers taking out a hospital cover, members who may have lapsed in hospital coverage and those upgrading their level of cover, the waiting periods below will have to be served before members can claim on services:

Hospital Waiting Periods

  • Ambulance services: 2 months
  • Accidental Injury: None
  • New Conditions: 2 Months
  • Pregnancy and birth-related services: 12 months
  • Pre-existing conditions: 12 months
  • Rehabilitation & Palliative care: 2 months

How Do You Claim Extras with Health Partners?

Claiming extras with Health Partners is rather easy. There are 5 ways to claim, which are:

On the spot: Swipe your membership card at a health provider that uses the HICAPS system to have your claim processed immediately.

Via a mobile app: You can lodge a claim using the My Health app by submitting a photo of your receipt.

Online: You can log into your online account and lodge your claim by providing the details on your receipt.

Email: You can lodge a claim by sending a completed claim form with a photo of your relevant accounts and receipts to ask@healthpartners.com.au

Mail: You can claim by posting a completed claim form with the relevant accounts and receipts to:

Health Partners Claims Assessor

Reply Paid 1493

Adelaide SA 5001

Health Partners Gap Cover

Health Partners gap cover is called Access Gap Cover. If your doctor charges you more than the standard MBS fee, this is known as the ‘gap’ and can leave you with an out-of-pocket expense.  Access Gap can help to minimise or eliminate personal expense but it is the choice of the physician to participate in any given gap scheme.

Gap Cover Ratings By State

To determine how beneficial a gap scheme will be, we suggest comparing health funds in the same state or territory to show which of the funds offer a greater proportion of medical services covered with no gap. While it is more likely that a medical service covered under your health fund can be utilized at no personal cost to you, it is entirely the choice of the physician whether or not to participate in the gap cover scheme. 

Medical Services with No Gaps — The percentage of claims that were fully refunded.

Medical Services with No or Known Gaps — The percentage of claims that were fully refunded, or where the policy holder knew the cost before the surgery was performed.

The information below outlines the percentages of services covered under no-gap and known-gap.

Health Partners Medical Services with No Gap: 85%

Industry Average: 79.1%

Health Partners Medical Services with No or Known Gap: 93.8%

Industry Average: 90.5%

Health Partners Medical Services with No Gap: 91.2%

Industry Average: 89.5%

Health Partners Medical Services with No or Known Gap: 96.8%

Industry Average: 95.7%

Health Partners Medical Services with No Gap: 89.5%

Industry Average: 86.7%

Health Partners Medical Services with No or Known Gap: 97.7%

Industry Average: 95.1%

Health Partners Medical Services with No Gap: 94.0%

Industry Average: 89.2%

Health Partners Medical Services with No or Known Gap: 97.8% 

Industry Average: 94.5%

Health Partners Medical Services with No Gap: 93.1%

Industry Average: 89.5%

Health Partners Medical Services with No or Known Gap: 99.7%

Industry Average: 96.6%

Health Partners Medical Services with No Gap: 83.7%

Industry Average: 84.4%

Health Partners Medical Services with No or Known Gap: 92.2%

Industry Average: 96.2%

Health Partners Medical Services with No Gap: 98.1%

Industry Average: 90.2%

Health Partners Medical Services with No or Known Gap: 98.3%

Industry Average: 96.7%

Health Partners Medical Services with No Gap: 86.5%

Industry Average: 84.2%

Health Partners Medical Services with No or Known Gap: 100%

Industry Average: 93.8%

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Renee Tan made the process simple.
Renee Tan made the process simple.
Tanya 17/10/2019
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Renee Tan made the process simple. She very clearly explained all the options and changes and how that would and could impact our health insurance. Renee gave great service, which makes me want to recommend your services to my family and friends.
Responded very quickly to my email for…
Responded very quickly to my email for…
Shirley 17/10/2019
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Responded very quickly to my email for help on finding a medical fund. Mark that I spoke to was great at helping and explaining everything to me that I needed to know. went through every step in detail and always asked if I had any question during the course of our conversation
Excellent service
Excellent service
Kristine 16/10/2019
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Excellent service. Daniel is really good in explaining everything and very patient.
Daniel listened to what I wanted
Daniel listened to what I wanted
Lorraine 16/10/2019
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Daniel listened to what I wanted , sent me email to review and called back when he said he would , also saved me $50+ per month , and kept adult kids on policy for a bit longer .
Wasn’t pushy
Wasn’t pushy
Shaylee 01/10/2019
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Wasn’t pushy, asked what I required gave me adequate thinking time and I got off the phone a happy customer
This team and in particular Daniel
This team and in particular Daniel
Peter 20/09/2019
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This team and in particular , Daniel was very helpful , took the time to explain in detail all aspects , and was very understanding and patient Highly recommend them
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