Health insurance deals and sign-up offers

Some health insurance providers offer bonuses and incentives to encourage you to sign up. Here are the health insurance deals we found this month.

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Some health insurance providers offer bonuses and incentives to encourage you to sign up. Here are the health insurance deals we found this month.

Health Insurance deals and offers in September 2025

Health insurance deals generally come in the form 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 insurance 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.

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AAMI

Get six weeks free when you take out cover by 30 September 2025.

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Get up to eight weeks free with the promo code 8WFREEWW (offer ends 2 September 2025). You can also waive any two and six month waiting periods on Extras.

If you take out an Extras-only product, you can get six weeks free with the promo code EXTRAS6WF.

AIA

Get up to six weeks free on eligible hospital and extras policies and four weeks free on hospital-only policies. Offer ends 30 September 2025.

AIA is also offering new members a 5% premium discount on their first year’s premium if they download and join the AIA Vitality app. AIA Vitality is AIA’s health and wellbeing program. Members can keep this discount if they reach AIA Vitality Silver status.

Apia

Get six weeks free when you take out cover by 30 September 2025.

Australian Seniors

Get up to 10 weeks free when you take out a policy before 14 September 2025.

Australian Unity

Get up to eight weeks free when you purchase cover over the phone or online by 30 June 2026.

Bupa

Get up to eight weeks free using the promo code 8WEEKSFREE. Bupa will also waive the two and six month waiting periods on Extras. This offer ends 10 September 2025.

Bupa has also partnered with Everyday Rewards to offer up to 150,000 points when using the promo code REWARDSDOLLARS. This offer cannot be combined with any other offer.

Frank Health Insurance

Get six weeks free with no two and six month waiting periods on Extras when you take out a policy.

GMHBA

Get up to six weeks free with no two and six month waiting periods on Extras when you take out a policy by 19 September 2025.

HCF

Get up to 130,000 Flybuys points when you join and stay on eligible HCF cover for at least 10 months. Also, get 15x points on your Coles shop for 2 months (up to 20,000 bonus points). Offer ends 31 October 2025.

HIF

Get eight weeks free, and have no two-month waiting periods on Extras by using the promo code 8W2M before 31 October 2025.

Health Partners

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

ING

Get up to nine weeks free when you take out a policy by 3 November 2025.

Medibank

Get up to six 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 6WEEKSPLUS when joining.

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Get up to 10 weeks free when you take out a policy online by 30 September 2025.

Peoplecare Health Insurance

Join by 31 October 2025 and maintain an eligible policy and you could get eight weeks free. Use the promo code 8WKSFREE to redeem this offer.

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

Qantas Insurance is offering up to 160,000 Qantas Points when you join on an eligible policy by 3 September 2025. New members who take out an eligible policy can also skip the wait times on Extras.

Real Insurance

Get one month free when you take out an eligible policy by 2 November 2025.

St. Lukes Health Insurance

Join St. Lukes by 30 September and you’ll get six weeks free, as well as have the two, three and six month waiting periods on Extras waived.

Suncorp

Get six weeks free when you take out a policy by 30 September 2025.

Source: All offers are based on advertised online promotions on each provider’s website on 2 September 2025. 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.

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’s comparison table 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.

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This article was reviewed by our Content Editor Alasdair Duncan before it was updated, as part of our fact-checking process.

Nick Whiting

Content Producer

Nick is a Content Producer at Canstar, providing assistance to Canstar's Editorial Finance Team in its mission to empower consumers to take control of their finances. He has written hundreds of articles for Canstar across all key finance topics. Coming from a screenwriting background, Nick completed a Bachelor of Film, Television and New Media Production from Queensland University of Technology. Nick has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities.
Nick’s role at Canstar allows him to combine his love of the written word with his interest in finance, having learned the art of share trading from his late grandfather. Nick strives to deliver clear and straightforward content that helps the everyday consumer navigating the world of finance. Nick is also working on a TV series in his spare time. You can connect with Nick on LinkedIn .