Compare Health Insurance Offers and Deals
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Get up to 8 weeks free on eligible hospital + extras cover. Not available for Extras or Hospital-Only. Offer ends 14 Dec 2025.
Join Australian Unity by 14 Dec 2025 and get 8 weeks free on eligible hospital & extras cover plus 2 month and optical extras waiting periods waived. Must not have held Australian Unity health insurance in the 90 days prior to 1 October 2025. Must complete 60 days of continuous paid membership for first 6 weeks free; 12 months for final 2 weeks. Offer fulfilled by extending paid-to date. |
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New Members who join Combined Hospital and Extras by 30 November by direct debit (excl annual payments) will receive 6 weeks free and have their 2-month extras waits waived. Offer ends 30 Nov 2025.
New Members who take out Combined Hospital and Extras cover by 30 November with a policy start date no later than 30 November 2025 and pay by direct debit (excl annual payments) will receive 6 weeks’ free cover and have 2-month waiting periods waived. 6 weeks free will be applied after 90 consecutive days from the policy start date. |
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New Members who join Hospital Only by 30 November by direct debit (excl annual payments) will receive 4 weeks free. Offer ends 30 Nov 2025.
New Members who take out Hospital Only cover by 30 November with a policy start date no later than 30 November 2025 and pay by direct debit (excl annual payments) will receive 4 weeks’ free cover. 4 weeks free will be applied after 90 consecutive days from the policy start date. |
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Get 2 & 6 months waits waived on eligible Combined Hospital & Extras.
Get 2 & 6 months waits waived on eligible Combined Hospital & Extras. Offer starts 1/11/25 and will remain available until amended or withdrawn by nib. Waiver becomes effective after first premium payment. Not available to Hospital-only and Extras-only policies. Ineligible products are Basic Kickstarter, Basic Accident Hospital and Value Extras. Not available to members transferring from a product issued by nib, or have cancelled any of these policies 6 months before or during the Offer Period.
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Get 2 & 6 month waits waived on extras. Not available for Hospital-Only. Offer ends 31 Aug 2026.
For new members who have not been a Frank member in the last 12 months, pay on direct debit. Must pay first month to start claiming. 12 month waits, annual and sub limits apply. Extras claims made with a previous fund count towards your annual limits. Not available with any other offer. Offer valid from 1 October 2025 to 31 August 2026. |
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Get 2 & 6 month waits waived on extras. Not available for Hospital-Only. Offer ends 31 Aug 2026.
For new members who have not been a GMHBA member in the last 12 months, pay on direct debit. Must pay first month to start claiming. 12 month waits, annual and sub limits apply. Extras claims made with a previous fund count towards your annual limits. Not available with any other offer. Offer valid from 1 October 2025 to 31 August 2026. |
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New Members who join extras only with direct debit by 30 November will have 2-month extras waits waived, including optical (excl annual payments). Must maintain cover for 60 days to be eligible. Offer ends 30 Nov 2025.
New Members that take out and start extras only cover with HIF and pay by direct debit (excl annual payments) by 30 November will have the 2-month extras waits waived, including optical, which means you can start claiming on any available limits and benefits straight away. Must maintain cover for 60 days to remain eligible, or hif may withhold the claim value from the premium refund. If the premium refund does not cover the full cost, the member may be required to reimburse the remainder. |
We do not compare all funds or products in the market. Click here for information about the range of funds and products we compare and how our service works.
A guide to health insurance offers and deals
Updated 16 September 2024
Health insurance offers
To encourage new members to join, many Australian health funds will run offers as encouragement to take out an eligible health insurance policy with them. Some of the most common types of sign-up offers are described below. Offers will differ from fund to fund so you should always read the terms and conditions of any offer before purchasing. Below is a general summary of typical offer characteristics only.
Waiting period waivers
Generally waiting period waivers are offers to reduce or waive waiting periods that you would have otherwise had to serve before making an Extras claim. When you sign up for a new Extras policy that includes a waiting period waiver, and you meet all the required terms and conditions, you may be exempt from serving some of your extras cover waiting periods. This means you may be able to claim right away for select out-of-hospital health care services.
Depending on your health fund and their offer, you may have to take out a combined hospital and extras policy, or a certain level of cover, to be eligible for these deals. These waivers typically only apply to extras cover services with a 2-6 month wait. Services like physios and general dental check-ups usually fit within this range, while services with longer waits like orthodontics, are often not included.
Free cover period
Free cover periods are another common type of offer made by some health funds if you meet eligibility criteria. This type of offer typically involves an offer of a period of free health cover for a new policy. Returning members may also be eligible depending on the terms of the offer. This free period of cover could potentially apply to private hospital cover, extras cover, or both if you take out a combined cover policy. Free cover offers do not generally impact waiting periods and annual limits – these will usually will still apply during the free cover period.
This free cover period is usually applied to eligible products by extending the paid-up-to date in line with the duration of the free cover period. You may need to hold your cover for a set amount of time before receiving this benefit. This discourages customers from signing up and cancelling before they’ve paid any premiums.
Cash back
Sometimes a health fund may offer a cash back or e-gift card for eligible members. Usually with this type of promotion, you will have to hold cover for what’s known as a qualifying period. After this period, you will typically receive your cash back amount by direct debit, or a promo code for your gift card.
To receive this type of promotional benefit, you’ll typically need to be up to date on your premium payments and not suspend or cancel your cover during the qualification period. Other T&Cs may also apply, so make sure you fully understand the eligibility criteria before signing up.
Health insurance member benefits
On top of the sign-up benefits offered by health funds in Australia, some funds may also offer benefits that that eligible members can take advantage of. Member benefits will differ from fund to fund so this is a general description of common benefits offered only, but here are some of the most common ones.
Save on other insurance products
Offers of discounts on additional products are another common member benefit offered by insurers. They way these generally work is if you’re a member of a health insurance company that offers other types of insurance cover, you may be able to get a discount on these products. For example, you may be able to buy a life insurance product alongside your health insurance and pay less than you would if you purchased the life insurance policy separately.
However, just because you may get a discount, doesn’t mean it’s the best policy for you. Before you sign up for a different insurance product with the same provider, consider comparing all the products in the market to see if there is something available that better suits your needs.
Discounts for select products and services
Many health funds partner with health service providers and retailers to give their members access to special offers or discounts. While these products and services are often health-related, you may be surprised by the range of discounts available.
Some of the commonly discounted products and services include:
- Gym memberships
- Sunglasses
- Restaurants
- Movie tickets
- Spa and wellness appointments
- Flights.
Health programs
Some health funds also offer free or discounted programs to improve member health and wellbeing. If you join a health fund that offers these sorts of programs, you may be eligible to participate in these. Examples might include coaching to quit smoking or mental health support. Not only does this benefit you, but it’s also in your health fund’s best interests if you stay healthier and therefore claim on your policy less.
In some instances, you can get rewards like discounted premiums or free gift cards for taking better care of your health through your fund’s health programs.
Meet our health insurance expert, Steven Spicer
As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.
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Methodology of how the offers are displayed
Offers are displayed in the following order and preference:
- Weeks Free
- Cashback / Gift Card
- Waiting Period Waiver
- Cover Type
- Offer Expiry
- Alphabetical