This was posted 1 year 3 months 16 days ago, and might be an out-dated deal.

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Join Hospital & Extras Cover Get 6 Weeks Free after 60 Days and Instant Access to Extras @ Health Partners

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Join Hospital & Extras Cover Get 6 Weeks Free after 60 Days and Instant Access to Extras @ Health Partners
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[Deactivated] on 12/01/2023 - 01:59 healthpartners.com.au (535 clicks)
Last edited 12/01/2023 - 11:53 by 1 other user
6WFREE

This Offer is available for new members on new memberships who join and start a combined Hospital and Extras cover (eligible cover) by 31 01 2023 and who have not previously held Health Partners health cover. The new member must quote the promo code 6WFREE at the time of joining and maintain eligible cover continuously for 60 days from the cover start date. If the policyholder changes to an ineligible cover during this period, 6 weeks free cover will not be issued. The policyholder’s membership must be financial to receive 6 weeks free and instant access to extras. The 6 weeks free cover will be applied to the eligible cover within 30 paid days after completing 60 continuous days of paid membership to allow for data and processing time. The Offer is not transferrable or redeemable for cash. The Offer excludes employees and Board Members of Health Partners. Not available in conjunction with any other offers. Health Partners reserves the right to amend the offer terms and conditions without notice, including withdrawal. Instant access applies to extras benefits with a 2 month waiting period only after the first contribution payment has been received. Annual limits, other waiting periods, restrictions and exclusions apply. Refer to Individual Cover details and Member Guide for full details.

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  • rosebank on 12/01/2023 - 05:08

    Anyone have experience with Health Partners? I need to ge granny out of Medibank.

    • o53djz7qTPY4der on 12/01/2023 - 06:21
      +1

      Yes. I’ve been with them for years.

      They’re great - always been helpful. This year they actually lowered my premiums instead of increasing them.

      The only issue I’ve found is that I often have to manually claim as doctors don’t have access to a system to auto claim with HP. Not a big deal as HP have paid very quickly.

      • YesPleaseThankYou on 12/01/2023 - 08:00
        +1

        Health Partners uses HICAPS like many of the other funds:

        Making a Health Insurance claim should be easy. After all, that’s why we have Health Insurance.
        If your provider uses HICAPS and Health Point you can claim on-the-spot with your membership card, otherwise, there are four easy ways you can make a claim: App, Online, Post, Email

        See https://www.healthpartners.com.au/members/claiming

        Also, see here for all HICAPS health insurers: https://www.hicaps.com.au/partners/participating-health-fund…

        I am not sure why you have had difficulty claiming. Perhaps that one specific practice or hospital?

        • rosebank on 12/01/2023 - 08:21
          +1

          I've done claims online for practices who don't have HICAPS, not a huge deal

          • YesPleaseThankYou on 12/01/2023 - 08:24
            +2

            @rosebank: Yes, of course, most funds make it easy to make those claims via the app or online.

            My post was in response to the comment by @o53djz7qTPY4der

            The only issue I’ve found is that I often have to manually claim as doctors don’t have access to a system to auto claim with HP

        • o53djz7qTPY4der on 12/01/2023 - 10:47

          Yeah - look .. maybe. As I said, not a big deal for me though and simply anecdotal.

      • rosebank on 12/01/2023 - 08:19

        Thanks mate, I'll look into it

  • Daniel Harris on 12/01/2023 - 09:41

    Can anyone compare these guys to bupa? Bupa always seem to come out cheaper when i do any sort of comparison

    • cocomelon on 12/01/2023 - 10:29

      how frequent you guys churn? i am very lazy doing this, may be my new year resolution to do list

      • YesPleaseThankYou on 12/01/2023 - 10:30
        +1

        At the conclusion of every offer period, saving me approximately 60% per annum.

        Usually, that period is 1 month (paid) + 6 weeks (free).

        • zuccs on 16/01/2023 - 16:52

          Which other providers do you rotate through?

          • YesPleaseThankYou on 16/01/2023 - 17:02
            +1

            @zuccs: One month prior to the expiry of the paid to date for the current fund (usually the end of the free promotional period), I will check for current offers.

            I do not stay with the 'old' fund for one day more than I have to. If they try to get me to talk to Retentions staff, I politely decline and ask them to act on my instructions to terminate the policy.

            I work out the best fund to move to based on the discount over what I call the 'minimum holding period' (the minimum period required for eligibility for the discount + any free period). Whichever provides the greatest discount over standard prices, I switch to that insurer. The discount may come in the form of free periods, gift cards, or something else.

            I always only compare and switch to Gold levels of cover so I don't have to worry about inclusions and whether I might need this that.

            You have to treat it like a transaction and not be swayed by emotion.

            • Helmutson on 10/02/2023 - 23:38

              @YesPleaseThankYou: Hey mate, thanks for the tips.
              I am going to get back in to private health cover for the first time in years and wanted to do it the Ozbargain way.
              In a nutshell, are you managing to keep "Gold level" Hospital and Extras cover throughout the year?
              Also, do most health funds waive waiting times for "switchers" or are you constantly resetting waiting times or relying on waiting time waivers every now and again? And if I haven't had insurance for a while, would it be best that I joined a fund, got through the wait times (e.g. 12 month ones for major dental etc) before starging to churn, or does this not matter?

              Cheers

              • YesPleaseThankYou on 11/02/2023 - 12:28

                @Helmutson:

                are you managing to keep "Gold level" Hospital and Extras cover throughout the year?

                Yes, see my post immediately above yours.

                Also, do most health funds waive waiting times for "switchers"

                It's not about being a switcher, you just follow the current promotions.

                Some promotions waive wait times, others don't. See also my answer below.

                are you constantly resetting waiting times

                As I I have served all wait times, I am not concerned about wait time promotions (they have no financial benefit to me). When you transfer to a new fund, under portability rules, you do not have to re-serve the wait times.

                See https://www.ombudsman.gov.au/__data/assets/pdf_file/0020/294…

                And if I haven't had insurance for a while, would it be best that I joined a fund, got through the wait times (e.g. 12 month ones for major dental etc) before starging to churn, or does this not matter?

                There is no need to serve the wait times with any one insurer.

                Final comment: some funds make it difficult to do things. Be prepared to immediately use the complaint escalation process, including to the Ombudsman. Also, I suggest doing things via email (where possible) so you have your own record of requests and responses.

  • jollster101 on 12/01/2023 - 10:36

    I must really get to looking at other options and seeing whether anyone is much cheaper than AIA. We have the base bronze policy for our family which comes in around $4K a year as a base cost.

    The thing with AIA for me is that both the wife and I are in the AIA Vitality program and its pretty simple to hit the 35K points per year which means we both get $500 each in shopping rewards which we use at Woolworths on their e gift cards. It's a pretty big sweetener to drop the policy by a grand each year……..more in reality as we get the $5 most weeks for hitting the 500 points per week that they also offer.

    I think I would be hard pressed to find anyone offering bronze level for a family of four for ~$3K……unbless OzBargainers out there can tell me otherwise by some kind of trickery :o)

    • YesPleaseThankYou on 12/01/2023 - 10:39
      +1

      Cheapest is just to keep switching.

      You have been sucked into the 'rewards' program and psychologically trapped.

      By churning you can achieve ~60% discount. 60% off your $4,000 pa spend = $2,400, much greater than the value of your gift cards.

      • jollster101 on 12/01/2023 - 10:44

        But I have just done a very quick quote with Health Partners and Bronze Hosptial and Basic extras comes in at $4400 for the year for a family of four.

        So markedly more than if I remain where I am.

        Happy to be shown the way as to where I can get Hospital and Extras cover for around $2400.

  • richieisnow on 13/01/2023 - 12:54

    Can I use my current HCF extras then switch before the offer period expires and get a new round of extras?

    • YesPleaseThankYou on 13/01/2023 - 14:33
      +1

      You can use your extras but you will not be able to get your extras limits reset until the reset date of the new fund.

      When you leave a fund, it will give you a Transfer Certificate, which your new fund will apply to your new policy. This will summarise the claims you have made and ensure you don't double-dip.

      If you want your extras limits reset, switch to Peoplecare (or another fund, see link) midyear, as that fund resets its limits on 1 July.

      See here https://www.finder.com.au/health-insurance-annual-benefit-li…

      • [Deactivated] on 14/01/2023 - 23:31

        different funds use different reset dates so it may be possible to double dip

        • YesPleaseThankYou on 17/01/2023 - 19:24
          -1

          That's not double-dipping, that's just moving to a new provider with different reset dates. Re-read my post above yours.

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