Health Partners
158 open policies in the October 2026 data. Anyone can join.
This insurer is a mutual organisation that operates on a not-for-profit basis.
healthpartners.com.au, phone 1300 113 113
- Hospital
- 6
- Hospital and extras
- 126
- Extras
- 26
- Closed to new members
- 16
How its premiums compare in NSW & ACT
Health Partners's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.
- BasicHospital only$116.8313th cheapest of 20
- BronzeHospital only$153.3619th cheapest of 21
- SilverHospital only$189.5817th cheapest of 21
- GoldHospital only$452.059th cheapest of 10
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Accident Hospital, at $116.83 a month before the rebate with a $750 excess: 13th cheapest of 20 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Hospital Plus, at $153.36 a month before the rebate with a $750 excess: 19th cheapest of 21 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Hospital Plus Lite, at $189.58 a month before the rebate with a $750 excess: 17th cheapest of 21 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Gold Hospital Advantage, at $452.05 a month before the rebate with a $750 excess: 9th cheapest of 10 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option. 1 corporate policy is included; they are sold through employers and associations.
- NSW & ACT$116.83 to $452.05
- VIC$124.50 to $483.77
- QLD$123.41 to $471.90
- SA$109.20 to $396.54
- WA$104.82 to $392.56
- TAS$120.12 to $459.98
- NT$73.15 to $285.52
- NSW & ACT$146.17 to $586.56
- VIC$153.84 to $618.28
- QLD$152.75 to $606.41
- SA$138.54 to $518.83
- WA$134.16 to $527.07
- TAS$149.46 to $594.49
- NT$102.49 to $420.03
- NSW & ACT$29.34 to $149.46
- VIC$29.34 to $149.46
- QLD$29.34 to $149.46
- SA$29.34 to $135.85
- WA$29.34 to $149.46
- TAS$29.34 to $149.46
- NT$29.34 to $149.46
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $116.83 to $452.05 | $146.17 to $586.56 | $29.34 to $149.46 |
| VIC | $124.50 to $483.77 | $153.84 to $618.28 | $29.34 to $149.46 |
| QLD | $123.41 to $471.90 | $152.75 to $606.41 | $29.34 to $149.46 |
| SA | $109.20 to $396.54 | $138.54 to $518.83 | $29.34 to $135.85 |
| WA | $104.82 to $392.56 | $134.16 to $527.07 | $29.34 to $149.46 |
| TAS | $120.12 to $459.98 | $149.46 to $594.49 | $29.34 to $149.46 |
| NT | $73.15 to $285.52 | $102.49 to $420.03 | $29.34 to $149.46 |
What Health Partners covers, and what it pays back
Hospital
Leaving out the one it sells through employers, Health Partners has 131 policies with hospital cover. They come with a choice of $250, $500 or $750 excess. 63 of the 131 drop the excess for children on the policy, and five of the 131 if you're admitted after an accident. All 131 offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All 131 cover emergency ambulance trips only.
Extras
Not counting the one it sells through employers, Health Partners has 151 policies with extras, covering anywhere from 6 to 24 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $44.85typical policy $35.20
- $96.20typical policy $66.85
- $1,000.00typical policy $773.80
- $50.00typical policy $42.00
- $100.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$1,300typical policy $1,000
- Optical$300typical policy $220
- Physiotherapy$1,300typical policy $450
- Chiropractic$1,300typical policy $400
- Psychology$750typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 6
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Basic Accident Hospital | Basic | $73.15NT | All | $750 |
| Basic Hospital Plus | Basic Plus | $78.65NT | All | $500, $750 |
| Bronze Hospital Plus | Bronze Plus | $98.15NT | All | $500, $750 |
| Silver Hospital Plus Lite | Silver Plus | $114.57NT | All | $500, $750 |
| Silver Hospital Plus Advantage | Silver Plus | $155.00NT | All | $250, $500, $750 |
| Gold Hospital Advantage | Gold | $285.52NT | All | $750 |
Hospital and extras policies 126
Extras policies 26
Health Partners also has 16 older policies (658 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about Health Partners
- Who can join Health Partners?
- Anyone can join. Health Partners sells 158 policies to new members (6 hospital-only, 126 combined and 26 extras-only), going by the October 2026 data.
- How much is Health Partners hospital cover?
- Its cheapest hospital policy for a single is $73.15 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.
- How much does Health Partners pay for a dental check-up?
- Up to $44.85 for a check-up (dental item 012) on its Active Family Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.