Compare Health Insurance Offers and Deals
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Buy health insurance with us, and if you find the same policy cheaper elsewhere, we’ll give you 110% of the difference for the first year. Learn more. T&Cs apply.
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.
Health funds |
Offer details |
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Get 8 weeks free & 2&6-month Extras waits waived on eligible Combined Policies. Offer ends 31 Aug 2026. (Excl. Basic Kickstarter)
Join nib by 31 Aug 2026 and get 8 weeks free on eligible combined Hospital & Extras. Excludes Extras only, Hospital only and Basic Kickstarter. Applied as a paid‑to‑date adjustment. Must stay active and financial to 28 Oct 2026. New members only. Includes a waiver on Extras services with standard 2 & 6 month waits, effective after first payment. Not eligible if you currently hold, or have held in the past 6 months, a policy issued by nib (including Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING, Real Health Insurance, Seniors Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance or nib Corporate Health Insurance.). Offer eligibility subject to nib T&Cs, including policies starting outside the offer period that joined by the offer end date. |
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Get up to 8 weeks free on eligible Combined Policies. Offer ends 30 Sep 2026.
Join and commence your Australian Unity policy by 30 Sep 2026 and get up to 8 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 on eligible cover to receive the additional 2 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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Up to 6 weeks free on eligible Combined Policies. Offer ends 31 Aug 2026.
New Eligible AIA Customers who take out and commence an Eligible Policy by 31 Aug 2026 may receive up to 6 weeks free as a premium cashback for Combined Hospital & Extras policies, paid to your nominated account. 4 weeks cashback issued after maintaining cover to 7 Dec 2026 (Qualifying Period 1) and 2 weeks cashback issued after maintaining cover to 6 Sep 2027 (Qualifying Period 2), with AIA Vitality Silver Status or above required for the second payment. Eligible customers must not have held an AIA policy as at 1 Aug 2026 or in the prior 2 months, and must not have used another AIA promotion in the last 12 months. Your Eligible Policy must not be in arrears, terminated or suspended within any applicable Qualifying Period. Excludes selected products and cannot be combined with other offers. |
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Get 4 weeks free + 2&6-month Extras waits waived on eligible Combined Hospital & Extras Cover. Offer ends 1 Nov 2026.
Join see‑u by HBF by 1 Nov 2026 on eligible Hospital & Extras cover and get 4 weeks free plus 2 & 6‑month Extras waiting periods waived. Excludes Hospital‑only, Extras‑only and any current members making changes to their current policy or previous members how have received see-u joining offers within the last 18 months. Must complete 8 weeks of continuous paid cover to receive the free weeks, which are applied by extending the paid‑to date and pausing direct debits. Waiver applies to Extras only; Hospital waits and Extras waits over 6 months still apply. Members must pay 4 weeks of premiums before claims can be approved. |
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4 weeks free on eligible Hospital Only Policies. Offer ends 31 Aug 2026.
New Eligible AIA Customers who take out and commence an Eligible Policy by 31 Aug 2026 may receive 4 weeks free as a premium cashback for Hospital Only policies, paid to your nominated account. Cashback issued after maintaining cover to 7 Dec 2026 (Qualifying Period 1). Eligible customers must not have held an AIA policy as at 1 Aug 2026 or in the prior 2 months, and must not have used another AIA promotion in the last 12 months. Your Eligible Policy must not be in arrears, terminated or suspended within any applicable Qualifying Period. Excludes selected products and cannot be combined with other offers. |
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