Compare Health Insurance Offers and Deals
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Not all offers are available to every customer, and some offers may only be available through our contact centre and not displayed online. Each offer is subject to the provider’s terms and conditions. Learn more about how offers are displayed or call us on 1800 338 253 for more information.
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Get 10 weeks free on eligible Combined Hospital & Extras Cover. Offer ends 31 Mar 2026.
Join NIB by 31 March 2026 & get 10 weeks free when you join eligible combined hospital and extras cover. Excludes Extras and Hospital-Only. “10 weeks free” will be applied by adjusting the “paid up to date” on the qualifying policy to reflect the weeks free period. Must be maintained and active up to 27 May 2026 (fulfilment date). Eligible members who join an Eligible product during the Offer period, which has a start date outside of the Offer Period can qualify for the offer subject to their compliance with NIB’s terms and conditions. Ineligible products are Basic Kickstarter, Basic Accident Hospital combined with 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. May not be combined with any other offer.
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Get up to 10 weeks free on eligible combined hospital + extras cover. Offer ends 30 Apr 2026.
Join Australian Unity by 30 April 2026 and get up to 10 weeks free on eligible hospital and extras cover. Excludes Extras and Hospital-Only. Must not have held Australian Unity health insurance within 90 days prior to joining. Must complete 60 days of continuous paid membership, with no suspension or arrears, before being eligible for initial 6 weeks free, and need to complete 365 days of continuous paid membership to receive the additional 4 weeks free. Offer fulfilled by extending paid-to date and can take up to 90 days from joining date for the weeks free to be applied provided payment has been maintained during this time. |
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Get up to 10 weeks free on eligible Combined & Hospital-Only policies. Offer ends 31 Mar 2026.
New Eligible AIA Customers who take out an Eligible Policy between 1 March 2026 and 31 March 2026 and maintain it for the required periods may receive up to 10 weeks free as a premium cashback across Years 1 (4 weeks), 2 (3 weeks) and 3 (3 weeks) for Combined Hospital & Extras Policies, or up to 6 weeks free across Years 1 (4 weeks) and 2 (2 weeks) for Hospital‑Only Policies, paid to your nominated account. Cashback is issued after maintaining your policy continuously to the relevant dates (6 July 2026, 5 April 2027, and 3 April 2028 for Combined Hospital & Extras; 1 June 2026 and 5 April 2027 for Hospital Only) and holding AIA Vitality Silver Status or above where required.
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Get up to 8 weeks free + 2-month Extras waits waived on eligible Combined Hospital & Extras Cover. Offer ends 20 Apr 2026.
Get up to 8 weeks free and waive 2 month waiting periods on extras when you join an eligible HCF hospital and extras policy by 20 April 2026. Get 4 weeks free after 90 days continuous cover, and another 4 weeks after maintaining the eligible policy for 12 months. Weeks free will be applied as extension of the paid to date, and may take 6 weeks to process. Must not have been insured under an RT Health or HCF insurance policy or received any promotional discount on an RT Health or HCF policy in the previous 12 months to be eligible. |
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Get 6 weeks free & 2-month Extras waits waived on eligible Combined Hospital & Extras Cover (Excl. annual payments). Offer ends 30 Apr 2026.
New HIF Members who take out Combined Hospital and Extras cover by 30 April 2026 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 paid membership from the eligible policy start date. |
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Get 6 weeks free on eligible combined hospital + extras cover. Offer ends 31 Mar 2026.
Join Bupa by 31 March 2026 and get 6 weeks free on eligible hospital and extras cover. Excludes Extras and Hospital-Only. Must not have held Bupa health insurance within 60 days prior to join date. Policy must commence by 30 April 2026, maintain that cover and meet all payment obligations for 28 consecutive days from the join date and be financial to receive the 6 weeks free offer. Must pay by direct debit. In most cases your 6 weeks free will be applied to your policy, extending the date you are “paid to.” Excludes any hospital product when combined with Freedom 50 and Freedom 60 Extras products. |
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Get up to 4 weeks free + 2 & 6 month waiver on eligible Combined Hospital & Extras. Ends 31 Mar 2026.
Get 4 weeks free when you join an Eligible combined policy by 31 March 2026. Weeks free will be applied after 8 weeks of continuous cover, provided full payment has been received, and the policy is set to direct debit. Not available for Hospital-only or Extras-only policies, policies not purchased in a single transaction, to current See-u members or those who have received a See-u promo in the last 18 months. |
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Get 4 weeks free on eligible Hospital-Only Cover (Excl. annual payments). Offer ends 30 Apr 2026.
New HIF Members who take out Hospital-Only cover by 30 April 2026 and pay by direct debit (excl annual payments) will receive 4 weeks free cover. Weeks free will be applied after 90 consecutive days paid membership from the eligible policy start date. |
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Get 2 & 6 month waits waived on extras. Not available for Hospital-Only or Extras 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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Get 2-month waits waived on extras. Not available for Hospital-Only or Extras-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 17 February 2026 to 31 August 2026. |
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New members who join extras only with direct debit (excl Annual) by 30 Jun 2026 will have 2 month extras waits waived, including optical. Must maintain cover for 60 days to be eligible.
New members that take out and start extras only cover with HIF and pay by direct debit (excl annual payments) by 30 June 2026 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. Offer valid from 1 January to 30 June 2026. |
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