Here’s a larger selection of health insurance deals and sign-up offers currently available for eligible members locking in hospital and extras cover, from providers rated by Canstar. The deals below will typically only apply to policies taken out directly with the provider. Some may also be state or territory specific, so make sure to check the terms and conditions of each to see how they apply and if you’re eligible.
AAMI
Get one month free and skip the two- and six-month waiting periods on extras when you take out an eligible policy by 30 September 2026.
ahm
Get six weeks free when you take out an eligible policy using the promo code 6WFHE.
AIA
Get up to eight weeks free as a premium cashback on eligible combined hospital and extras products and up to four weeks free on eligible hospital-only products. Offer ends 30 September 2026.
Apia
Get one month free and skip the two- and six-month waiting periods on extras when you take out an eligible policy by 30 September 2026.
Australian Seniors
Get 10 weeks free when you take out eligible cover by 14 September 2026.
Australian Unity
Get eight weeks free when you take out eligible cover by 30 September 2026.
Bupa
Get up to eight weeks free and skip the two- and six-month waiting periods on extras when you take out an eligible policy using the promo code 8WEEKSFREE. Offer ends 9 September 2026.
Otherwise, you could earn up to 130,000 Everyday Rewards points and a $200 Everyday WISH eGift Card when you take out an eligible policy using the promo code REWARDS130. Offer ends 31 January 2027. These offers cannot be combined.
Frank Health Insurance
Get six weeks free and skip the two-month waiting periods on extras when you take out eligible cover by 24 September 2026.
HBF
Get up to 12 weeks free, plus up to a $200 gift card and skip the waiting periods on certain extras, when you take out an eligible policy by 20 October 2026.
HCF
Get 20,000 Flybuys points when you take out an eligible policy and earn up to 130,000 additional points for staying on that policy for 10 months. Offer ends 14 September 2026.
HIF
Get eight weeks free and have no two-month waiting periods on extras when you take out an eligible policy using the promo code 8W2M. Offer ends 30 September 2026.
Health Partners
Get up to eight weeks free and instant access to selected extras when you take out eligible cover by 30 September 2026. Use the promo code 8WFREE when joining.
Hunter Health Insurance
If your friend is already a member and refers you, Hunter Health Insurance will waive the usual two- and six-month waiting periods on extras for your policy.
ING
Get six weeks free and skip the two- and six-month waiting periods on extras when you take out eligible cover by 29 October 2026.
Medibank
Get 10 weeks free on eligible policies plus up to 30,000 Live Better points 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 10WEEKSPLUS when joining.
nib
Skip the two- and six-month waiting periods on extras when you take out an eligible policy by 31 October 2026.
Peoplecare Health Insurance
Get six weeks free when you take out an eligible policy by 13 September 2026.
Phoenix Health Fund
Get your second month free when you take out eligible cover.
Otherwise, if your friend is already a member and refers you, you’ll each receive a $150 digital gift card when you sign up for an eligible policy. You must email Phoenix Health with your new membership number and the referring member's full name and membership number within 48 hours of completing your membership application to be eligible.
Qantas Insurance
Get up to 140,000 Qantas Points and skip the two- and six-month waiting periods when you take out an eligible policy by 30 September 2026.
Queensland Country Health Fund
Get up to eight weeks free and skip the two-month waiting periods on extras when you take out an eligible policy by 30 September 2026.
See-u by HBF
Get up to six weeks free plus either a gift card worth up to $250 (promo code: GIFT CARD) or your two and six-month waiting periods on extras waived (promo code: WAITS WAIVED) when you take out an eligible policy. Offer ends 1 November 2026.
St. Lukes Health Insurance
Skip the two-, three-, and six-month waiting periods on extras when you take out an eligible combined policy by 13 September 2026.
Suncorp
Get one month free and skip the two- and six-month waiting periods on extras when you take out an eligible policy by 30 September 2026.
Westfund
Get six weeks free and skip the two-month waiting periods on extras when you take out an eligible policy using the promo code SPRING26. Offer ends 2 October 2026.
Source: All offers are based on advertised online promotions on each provider’s website on 4 September 2026. 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?
They can be in certain circumstances, but 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 one of our health insurance specialists to discuss your 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 health insurer with our Most Satisfied Customers Award: Health Insurer.
