Basic Accident Hospital with Combined Best Extras
A Basic hospital and extras policy from Health Partners.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Health Partners files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $750
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Basic95 policies$251.3491st cheapest of 95
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $251.34 | $502.66 | $505.35 | $429.95 | $630.07 | $491.88 |
| VIC | $259.01 | $518.00 | $520.69 | $441.82 | $648.48 | $506.05 |
| QLD | $257.92 | $515.84 | $518.53 | $440.13 | $645.88 | $504.05 |
| SA | $231.49 | $462.93 | $465.40 | $395.46 | $579.97 | $452.66 |
| WA | $239.33 | $478.66 | $481.35 | $411.32 | $601.29 | $469.65 |
| TAS | $254.63 | $509.25 | $511.94 | $435.06 | $638.00 | $497.94 |
| NT | $207.66 | $415.30 | $417.99 | $362.22 | $525.24 | $411.06 |
0 of 38 clinical categories covered in full, 3 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Restricted3
- Not covered35
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 35
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: 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.
Pays towards 24 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,300typical policy $1,000
- Optical$300typical policy $220
- Physiotherapyshared with chiropractic, exercise physiology, osteopathy$1,300typical policy $450
- Chiropracticshared with physiotherapy, exercise physiology, osteopathy$1,300typical policy $400
- Psychologyshared with 5 other services$750typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)80% of the feetypical policy $35.20
- Scale and clean (item 114)80% of the feetypical policy $66.85
- Full crown, veneered (item 615)80% of the feetypical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$50.00typical policy $42.00
- Psychology, first visit$100.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | No annual limit | Periodic oral exam (item 012): 80%Scale and clean (item 114): 80%Fluoride treatment (item 121): 80%Simple extraction (item 322): 80% |
| Major dentalconditions apply | 12 months | $1,300shared with endodontic (root canals) | Full crown, veneered (item 615): 80% |
| Endodontic (root canals)conditions apply | 12 months | $1,300shared with major dental | Root canal filling (item 417): 80% |
| Orthodontics | 12 months | $2,800 lifetime | Braces, upper and lower, with retainer (item 881): 100% |
| Opticalconditions apply | 2 months | $300 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicinesconditions apply | 2 months | $600shared with vaccinations | Non-PBS prescription: $0.00 |
| Physiotherapyconditions apply | 2 months | $1,300shared with chiropractic, exercise physiology, osteopathy | Physiotherapy, first visit: $50.00Physiotherapy, later visit: $40.00 |
| Chiropractic | 2 months | $1,300shared with physiotherapy, exercise physiology, osteopathy | Chiropractic, first visit: $50.00Chiropractic, later visit: $40.00 |
| Podiatry | 2 months | $750shared with 5 other services | Podiatry, first visit: $50.00Podiatry, later visit: $50.00 |
| Psychology | 2 months | $750shared with 5 other services | Psychology, first visit: $100.00Psychology, later visit: $100.00 |
| Acupuncture | 2 months | $300shared with remedial massage, chinese herbal medicine | Acupuncture, first visit: $35.00Acupuncture, later visit: $35.00 |
| Remedial massage | 2 months | $300shared with acupuncture, chinese herbal medicine | Remedial massage, first visit: $35.00Remedial massage, later visit: $35.00 |
| Hearing aids | 12 months | $600shared with blood glucose monitors, orthotics | Hearing aid: 90% |
| Blood glucose monitors | 12 months | $600shared with hearing aids, orthotics | Blood glucose monitor: 90% |
| Chinese herbal medicine | 2 months | $300shared with acupuncture, remedial massage | Chinese herbal medicine, first visit: $35.00Chinese herbal medicine, later visit: $35.00 |
| Dietetics | 2 months | $750shared with 5 other services | Dietetics, first visit: $50.00Dietetics, later visit: $50.00 |
| Exercise physiology | 2 months | $1,300shared with physiotherapy, chiropractic, osteopathy | Exercise physiology, first visit: $50.00Exercise physiology, later visit: $40.00 |
| Orthoptics | 2 months | $750shared with 5 other services | Orthoptics, first visit: $50.00Orthoptics, later visit: $50.00 |
| Health management programs | 2 months | $200 | Health management program: 90% |
| Occupational therapy | 2 months | $750shared with 5 other services | Occupational therapy, first visit: $75.00Occupational therapy, later visit: $75.00 |
| Orthotics | 12 months | $600shared with hearing aids, blood glucose monitors | Orthotics: 90% |
| Osteopathy | 2 months | $1,300shared with physiotherapy, chiropractic, exercise physiology | Osteopathy, first visit: $50.00Osteopathy, later visit: $40.00 |
| Speech therapy | 2 months | $750shared with 5 other services | Speech therapy, first visit: $75.00Speech therapy, later visit: $75.00 |
| Vaccinationsconditions apply | 2 months | $600shared with non-pbs medicines | Vaccination: $0.00 |
Not covered: audiology, antenatal and postnatal, home nursing.
Preventative dental is not counted against the dental limit.
Other services: In South Australia, get more from your cover by using Health Partners Dental and Optical practices – like 100% back on 2 x dental check-ups (including x-rays) and a mouthguard. Plus, 90% 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 once you have 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 100% back on 2 physio visits and 90% thereafter, 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.
From the insurer: Combined limits create flexibility for you to use your limit on what's important to you. Acupuncture and Remedial Massage limits can also be used for other natural therapies, such as Chinese herbalism, myofascial release, therapeutic massage, Swedish massage, myotherapy & nutritionist. Also combined with the Hearing Aid limit is other appliances such as CPAP Machine, nebuliser & spacer devices. Sub-limits apply. Health Management limits include benefits for bowel screening, diabetes membership, weight management, post-natal lactation consultation and gym & fitness benefit (when medically necessary). T&Cs apply.
Health Partners and participating providers are in SA only. If you attend a Health Partners Dental or participating dental provider, higher benefits and 100% back on 2 x dental check-ups, including x-rays, will apply. General, Major and Endodontic dental benefits are based on the Health Partners schedule of fees. If your provider charges a higher fee, a larger gap payment will apply. 100% back up to your optical limits applies anywhere (sub-limit applies at recognised providers), but at Health Partners Optical you also receive 40% thereafter once limit reached. At Health Partners participating physiotherapists higher benefits apply. T&Cs apply.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.