Compare Health Insurance Offers and Deals
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Not all offers will be available to every customer. Each offer is subject to the terms and conditions of each provider. Ask us if you need more information 1800 338 253.
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Get 6 weeks free when New Members join Extras only policies by 31 March
Get 6 weeks free when New Members join eligible extras only policies by 31 March and pay by direct debit. Members must maintain eligible extras cover continuously for 60 days from the cover start date to receive 6 weeks free. |
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Get 6 weeks free and any 2 and 6 month Extras waits waived when New Members join Eligible combined hospital and extras policies (excluding Gold) by 31 March
Get 6 weeks free and any 2 and 6 month extras waits waived when new members join eligible combined hospital (Basic, Basic Plus, Bronze, Bronze Plus, Silver, and Silver Plus) and extras policies. To be eligible, you must pay your premium by direct debit. The ‘6 weeks free’ will be applied as an extension to the paid up date of your policy once you maintain eligible hospital and extras cover continuously for 60 days from the cover start date and pay premiums for this period. |
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Get 6 weeks free when New Members join Combined Hospital and Extras or Standalone Extras with start date before 31 March
This offer is available to eligible New Members who have not held Australian Unity health insurance 90 days prior to joining and who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product); or purchase Australian Unity extras only cover (extras product) by itself. |
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New Members get 6 weeks free when joining an Eligible Combined Cover (excludes combination cover where the extras product is Freedom 50 or Freedom 60) by 31 March with a start date no later than 30 April
Buy an Eligible combined hospital and extras policy by 31 March, that commences by 30 April and pay by direct debit to receive 6 weeks free. Excludes combined cover with Freedom 50 and Freedom 60 extras plans. You must maintain the cover and meet all payment obligations for 28 consecutive days from the join date and be financial. The 6 weeks free will be applied to your policy as an extension of the paid-up date of your policy. |
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2 and 6 month waits waived on Extras when New Members join hospital and extras cover by 31 August
When new members take out combined cover with Frank, they are currently waiving the 2 and 6 month waiting periods on Extras, which means you can start claiming on any available limits and benefits straight away. Offer valid from 1 February 2025 to 31 August 2025. |
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2 and 6 month waits waived on Extras when New Members join hospital and extras cover by 31 August
When new members take out combined cover with GMHBA, they are currently waiving the 2 and 6 month waiting periods on Extras, which means you can start claiming on any available limits and benefits straight away. Offer valid from 1 February 2025 to 31 August 2025. |
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6 weeks free and 2 month extras waits waived for eligible New members. Join an eligible combined hospital and extras cover by 17 April, excludes Gold Hospital products
HCF will apply six weeks free cover after 90 days of continuous maintaining an Eligible Policy and waive the 2-month waiting periods on extras for eligible new members who take out an eligible combined hospital and extras policy between 17 February 2025 and 17 April 2025 |
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New Members who join extras only with direct debit by 30 June 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 by 30 June 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. |
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8 weeks free for New Eligible Members purchasing combined Hospital and Extras cover during March 2025
Eligible Members that take out combined hospital and extras cover with NIB between 1 March 2025 and 31 March 2025 will receive an 8 week reduction on their premium, applied by adjusting the “paid to” date on the policy. Policy must be maintained until 28 May 2025 for the 8 weeks free to be applied. |
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Get 4 weeks free plus 2 and 6 month waiting periods waived on extras for new members on an eligible combined hospital and extras policy (with a $750 Excess) before 31 May
New policyholders who commence an eligible see-u combined hospital and extras policy with a $750 excess between 6 January 2025 and 31 May 2025 and pay by direct debit will receive 4 weeks free and your 2 and 6 month waiting periods waived on extras. 4 weeks free will be applied to eligible policies once a premium payment of at least 4 weeks has been made to see-u. |
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New Members get 4 weeks free when joining Union Health before April 30th and paying via direct debit
Eligible new members who join Union Health by April 30th will receive 4 weeks free on their health insurance. The 4 weeks free will be applied to the second month of your membership provided you pay by direct debit and hold cover for 30 consecutive days from your policy start date. |
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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