Health insurance deals and sign-up offers

Health Insurance deals and offers in November 2025

Health insurance deals generally come in the form of a certain amount of free weeks of coverage or a cashback on premiums. These deals help keep the health insurance industry competitive and can potentially save you hundreds of dollars on your premiums.

Looking to switch providers or take out health insurance for the first time? Here’s a selection of current health insurance deals and sign-up offers for hospital and extras cover for new eligible members from providers rated by Canstar. Some deals may be state or territory specific, so it’s important to check the terms and conditions of each offer to see how they apply and if you’re eligible.

AAMI

Get five weeks free and skip the two and six-month waiting periods on extras when you take out cover by 17 December 2025.​

ahm

Get 10 weeks free on eligible hospital and extras cover with the promo code 10WFREEWW. The two and six-month waiting periods on extras services will also be waived. If you’re interested in extras only, you can get up to eight weeks free with the promo code EXTRAS8WF.

AIA

Get four weeks worth of premiums as a cashback on eligible hospital and extras and hospital-only policies. Offer ends 30 November 2025.

AIA is also offering a 5% discount on your first year’s premium if you download and join the AIA Vitality app. AIA Vitality is AIA’s health and wellbeing program. You can keep this discount if you reach AIA Vitality Silver status.

Apia

Get five weeks free and skip the two and six-month waiting periods on extras when you take out cover by 17 December 2025.​​

Australian Seniors

Get three weeks free and skip the two and six-month waiting periods on extras when you take out a policy before 17 December 2025.

Australian Unity

Get up to eight weeks free when you purchase cover over the phone or online by 30 June 2026. Australian Unity will also waive the two-month and optical waiting periods on extras if you take out a policy by 14 December 2025.

Bupa

Get up to eight weeks free using the promo code 8WEEKSFREE. Offer ends 26 November 2025.

Bupa has also partnered with Everyday Rewards to offer up to 135,000 points when using the promo code REWARDS135. Offer ends 31 January 2026. This offer cannot be combined with any other offer.

Frank Health Insurance

Get six weeks free, as well as skip the two and six-month waiting periods on extras, when you take out a combined hospital and extras policy.

GMHBA

Get six weeks free, as well as skip the two and six-month waiting periods on extras, when you take out a combined hospital and extras policy.

Get up to 12 weeks free, plus either a $100 or $200 gift card, if you take out a policy by 9 December 2025.

HCF

Get up to 150,000 Flybuys points when you join and stay on eligible HCF cover for at least 11 months. Offer ends 18 January 2026.

HIF

Get 10 weeks free over 13 months and have no two-month waiting periods on extras by using the promo code HIF6X4W before 31 January 2026.

Health Partners

Get eight weeks free and instant access to selected extras when you take out cover by 30 November 2025. Use the promo code 8WFREE when joining.

ING

Get seven weeks free and skip the two and six-month waiting periods on extras when you take out cover by 19 January 2026.​

Medibank

Get up to eight weeks free on eligible Bronze hospital and extras cover plus 50,000 Live Better Points (couples and families) or 25,000 Live Better Points (singles and single parents) that can be redeemed for rewards like gift cards. Two and six month waiting periods on extras will also be waived. Use the promo code 8WEEKSPLUS when joining. Offer ends 15 December 2025.

nib

Get eight weeks free and skip the two and six-month waiting periods on extras when you take out a policy online by 30 November 2025.

Phoenix Health Fund

If you’re already a member and refer a friend, you’ll each receive a $150 digital gift card when they sign up for an eligible policy. This offer is available until further notice and applies to new members who have not been a member of Phoenix Health for at least six months prior to joining.

The new member must email Phoenix Health with their new membership number and the referring member’s full name and membership number within 48 hours of completing their membership application to be eligible.

Qantas Insurance

Get up to 130,000 Qantas Points when you join by 27 November 2025. New members who take out an eligible policy can also skip the waiting periods on extras.

Queensland Country Health Fund

Get six weeks free cover when you join or switch before 12 December 2025.

Real Insurance

Get three weeks free and skip the two and six-month waiting periods on extras when you take out an eligible policy by 17 December 2025.

St. Lukes Health Insurance

Get $500 off an eligible policy if you join before 3 December 2025. St. Lukes will also waive the two, three and six-month waiting periods on extras.

Suncorp

Get five weeks free and skip the two and six-month waiting periods on extras when you take out cover by 17 December 2025.​

Source: All offers are based on advertised online promotions on each provider’s website on 6 November 2025. Please note, conditions and exclusions may apply to these offers. Read all terms and conditions provided by the relevant health insurance provider before deciding whether to commit to a policy.

Are health insurance deals worth it?

This will ultimately depend on your needs and personal circumstances. It may not be worth choosing a health insurance provider based solely on an introductory deal or short-term discount. After all, while a gift card or a month of free cover may be handy, it could be a small token in terms of the overall cost and coverage provided by the policy.

Therefore, it’s important to consider the cost and quality of coverage alongside any sign-up deal or offer. You may find a policy that suits your needs that also happens to have a sign-up deal attached. It’s also worth reading any documentation, such as the Private Health Information Statement (PHIS) and Target Market Determination (TMD), for any policy you’re considering.

Other factors to consider when comparing health insurance

If you’re shopping around for health insurance, it’s important to look for the hospital and/or extras policy that’s right for you or your family’s needs, preferences and circumstances. You can compare health insurance with Canstar or you can book a call with a professional to discuss your health insurance options.

You may also be interested in the winners of Canstar’s most recent Health Insurance Awards, and you can see how other Aussies feel about their provider with our Most Satisfied Customers Award: Health Insurer.