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 ten weeks free when you take out a combined hospital and extras cover. Offer ends 29 October.
ahm
- Get up to 12 weeks free if you’re a new join who maintains on hospital & extras cover, plus any two & six month waiting periods on extras waived, using promo code 12WFREEWW. Offer ends 30 November.
- New joins on extras cover can get up to eight weeks free using promo code EXTRAS8WF. Offer ends 30 November.
AIA
Get up to six weeks free when you take out a combined hospital & extras or hospital only policy. Offer ends 31 October.
Apia
Get ten weeks free when you take out a combined hospital and extras cover. Offer ends 29 October.
Astute Simplicity Health
Six weeks free plus no two, three, or six month waiting periods on extras when you join on eligible products. Offer ends 11 October.
Australian Seniors
Get six weeks free when you sign up for a combined hospital and extras policy. Offer ends 1 November.
Australian Unity
Get ten weeks free when you take out eligible cover. Offer ends 31 October.
Bupa
- Get up to 12 weeks free and skip the two- and six-month waiting periods on extras when you take out an eligible combined policy online using the promo code 12WEEKSFREE. Offer ends 14 October.
- Earn up to 135,000 Everyday Rewards points (100,000 for singles) when you take out and stay on an eligible policy using the promo code EVERYDAY135. Offer ends 7 October.
These offers cannot be combined.
Frank Health Insurance
GMHBA
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. Offer ends 20 October.
HCF
Get six weeks free, plus two-month waiting periods waived on extras when you join eligible cover. Offer ends 10 November 2026.
HIF
Get eight weeks free plus no two month wait on extras when you take out any eligible combined or packaged hospital and extras policy using promo code 8W2M. Offer ends 31 October.
Health Partners
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.
Latrobe Health Services
Medibank
Get up to 10 weeks free on eligible policies plus up to 30,000 Live Better points, alongside waived two- and six-month waiting periods on extras using promo code 10WEEKSPLUS.
nib
Skip the two- and six-month waiting periods on extras when you take out an eligible policy by 31 October.
Peoplecare Health Insurance
Get up to a $500 digital gift card and skip the two- and six-month waiting periods on extras when you take out eligible combined hospital & extras cover. Offer ends 30 November.
Phoenix Health Fund
- Get one month free when you take out eligible cover.
- 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. 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. 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 130,000 Qantas Points and skip the two- and six-month waiting periods on extras when you take out eligible combined cover. Offer ends 30 November.
Queensland Country Health Fund
Real Insurance
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.
St. Lukes Health Insurance
Get six weeks free plus no two, three, or six month waiting period on extras when you join on eligible cover. Offer ends 11 October.
Suncorp
Get ten weeks free when you take out combined hospital and extras cover. Offer ends 29 October.
Westfund
Get six weeks free and skip the two-month waiting periods on extras when you take out an eligible combined policy using promo code SPRING26. Offer ends 11 October.
Source: All offers are based on advertised online promotions on each provider’s website on 1 October 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.
