Health insurance deals and sign-up offers

When choosing a health insurance policy — or if you’re choosing whether to take out a policy at all — features and benefits, as well as the cost of your premium and your excess, may all come into consideration.

If you can find the right health insurance policy for your needs, then having a sign-up offer included in it could be a welcome bonus.

Here’s a selection of some current health insurance sign-up offers for hospital and extras cover from providers rated by Canstar (correct as of 3 April, 2024).

Health Insurance sign-up offers

AAMI

AAMI says that you can get up to $600 credit plus skip the two and six month wait on extras when you join any new combined hospital and extras cover by 1 July 2024. T&Cs apply, please visit the AAMI website for more details.

Ahm

Ahm says that new joins on eligible hospital and extras cover can get six weeks free after the first 60 days and another six weeks free after the first 365 days. Plus and two and six month waiting periods on extras waived using the promo code 12WFREEWW by 15 April 2024. T&Cs apply, please visit the ahm website for more details.

Apia

APIA says that you can get 10% credit when you take out any new or combined hospital and extras cover by 1 July 2024. T&Cs apply, please visit the Apia website for details.

Australian Unity

Australian Unity is offering six weeks free when you join hospital and extras or extras only cover. Offer ends 30 June 2024. T&Cs apply, please visit the Australian Unity website for details.

Bupa

Bupa is offering up to ten weeks free plus up to $700 everyday rewards dollars to new members who join on eligible combined hospital and extras products using the code 10WEEKSFREE. This offer ends 10 April 2024. Bupa has also partnered with Everyday Rewards to offer up to 140,000 points to new Bupa members that join on eligible health insurance policies using the promo code REWARDS10WF. T&Cs apply for all offers, please visit the Bupa and Everyday Rewards websites for details.

Frank

Frank is offering new members up to six weeks free, plus skip the two and six month waits on extras when you join on combined hospital and extras cover by paying direct debit before 15 April 2024. T&Cs apply, please visit the Frank website for details.

GMHBA

GMHBA says you can get six weeks free and skip the two and six months waiting periods on extras when you join any eligible combined hospital and extras cover by 15 April 2024 and pay by direct debit. T&Cs apply, please visit the GMHBA website for details.

HBF

HBF is offering new members eight weeks free when you join and keep eligible hospital and extras cover by 23 April 2024. T&Cs apply, please visit the HBF website for details.

HCF

HCF is offering up to eight weeks free when you joining and stay with eligible hospital and extras cover 21 April 2024. HCF has partnered with Flybuys to offer a share in five million flybuys points for new members who join on eligible HCF health cover by 30 April 2024. Flybuys is also offering up to 130,000 Flybuys Points to new HCF members who stay with HCF for at least 10 months. T&Cs apply, please visit the HCF and Flybuys websites for details.

HIF

HIF is offering a bonus cash card worth up to $200 plus no two month waiting period on extras when you purchase an eligible hospital and extras policy by 31 May 2024 using the promo code MYHIF. T&Cs apply, please visit the HIF website for details.

Health Partners

Health Partners is offering eight weeks free and all two month waits on extras waived for new members who join hospitals and extras cover by 30 April 2024. Use the promo code 8WFREE. T&Cs apply, please visit the Health Partners website for details.

ING

ING is offering eight weeks free as well as waiving two and six month waiting periods on extras when you take out an eligible combined hospital and extras cover by 30 April 2024. T&Cs apply, please visit the ING website for details.

Medibank

Medibank is offering new members four weeks free when you join and maintain eligible Bronze Hospital and Extras cover or above. Medibank is also also offering 50,000 Live Better Points (couples and families) or 25,000 Live Better Points (singles and single parents) to redeem on rewards, and will waive the two and six month waits on extras. Use the promo code 4WEEKSPLUS to join. T&Cs apply, please visit the Medibank website for details.

nib

nib says new customers can get up to $500 off and skip the two and six month waits on extras when you choose any hospital and extras cover online by 30 April 2024. Plus you can get an extra two weeks free a year when you pay with direct debit. T&Cs apply, please visit the nib website for details.

Peoplecare

Peoplecare says new customers can get up to eight weeks free and skip the two and six month waiting periods on extras when joining on eligible combined hospital and extras cover by 30 April 2024. T&Cs apply, please visit the Peoplecare website for details.

Phoenix Health Fund

If you’re already a member and refer a friend, Phoenix Health says you both will receive a $150 digital gift card when they sign up for an eligible combined hospital and extras policy and have kept that policy for six weeks. T&Cs apply, please visit the Phoenix Health website for details.

Qantas Insurance

Qantas says you can earn up to 140,000 Qantas Points as well as skip the two and six week waiting periods on extras when you join on eligible health insurance policies by 5 April 2024. Get a quote for a chance to win a wellness retreat valued up to $15,000. T&Cs apply, please visit the Qantas Insurance website for details.

Queensland Country Health Fund

Queensland Country Health Fund is offering six weeks free to those who join or switch to eligible hospital and combined policies. Offer expires 30 April 2024. T&Cs apply, please visit the Queensland Country Health Fund website for details.

Suncorp

Suncorp says you can get $600 credit plus skip the two and six month wait on extras when you join any new combined hospital and extras cover by 1 July 2024. T&Cs apply, please visit the Suncorp website for details.

Westfund

Westfund says you can get one month free when you join an eligible hospital and extras cover with the promo code MOVE24. Offer ends 14 April 2024. T&Cs apply, please visit the Westfund website for details.

Source: All offers are based on advertised online promotions on each provider’s website on 3 April, 2024. Please note, conditions and exclusions may apply to these offers. Read all terms and conditions provided by the relevant health fund before deciding whether to commit to a policy.

Other factors to consider when comparing health insurance

If you’re shopping for health insurance, it’s important to look for the hospital and/or extras policy cover that is right for your own or your family’s needs, preferences and circumstances.

It may not be worth choosing a health insurance provider based on a freebie or short-term discount.

After all, while a gift card or a month of free cover might be handy, it could be a small token in terms of the overall cost of the health cover.

There is a wide choice of health insurance policies on offer for consumers who choose to shop around. In fact, Canstar’s most recent Health Insurance Star Ratings and Awards considered thousands of hospital, extras and combined policies, from dozens of insurance providers.

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