Health insurance deals and sign-up offers

SEAN CALLERY
Deputy Editor · 8 October 2021
If you’re looking to switch insurers or take out health insurance for the first time, Canstar has found a selection of sign-up offers and promotions currently available that could be worth taking into account when narrowing down your choices.

When choosing a health insurance policy – or indeed 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 t October, 2021).

Health Insurance Sign-Up Offers – September 2021

AAMI

You could get six weeks free with a new combined hospital and extras policy. T&Cs apply. Offer expires 30 November, 2021.

AHM

Get one month free when you join on a combined hospital and extras policy and pay by direct debit. To join online, you must use the promo code 1MFREEWW. T&Cs apply. Offer expires 4 November, 2021.


Apia

You could get $200 off and skip two-month and six-month waiting periods on extras when you take out a new combined hospital and extras policy. T&Cs apply. Offer expires 31 October, 2021.

Bupa

Join on selected combined hospital and extras policies and get six weeks free. Use the promo code 6WEEKSFREE to redeem this offer. T&Cs apply. Expires 31 October, 2021.

CBHS

Join on combined hospital and extras to go into the draw to win 70 weeks of your premium as cash back (up to $15,000). T&Cs apply. Competition closes for entries on 12 November, 2021.

GMHBA

Get $200 off a combined hospital and extras couples or family policy, or $100 off when you take out a combined hospital and extras singles policy as a new customer. Expires on 14 October, 2021. T&Cs apply.

HIF

Get a bonus cash card worth up to $200 ($100 for singles and $200 for a couple, single parent or family policy) and have all two-month waits on extras waived when you take out a combined hospital and extras policy and use the promo code MYHIF at checkout. T&Cs apply. Expires on 31 October 2021.

Medibank

Join an eligible hospital and extras policy with the promo code LIVEBETTER and complete a Live Better goal or challenge to receive 20,000 Live Better points on a singles policy, or 40,000 points on a couples or family policy. Medibank says these points can be redeemed on rewards such as gift cards. Medibank is also offering to waive two-month and six-month waiting periods on extras. T&Cs apply. Expires 31 October, 2021.

nib

Get a virtual prepaid gift card worth up to $400 ($200 for singles and $400 for a couple, single parent or family policy) when you choose any hospital and extras cover online. Expires 31 October, 2021. T&Cs apply.

Peoplecare

Get a $100 EFTPOS gift card after your first 60 days when you join a hospital or hospital and extras policy as a new member. You can also get 10% off your extras premium on combined hospital and extras policies. T&Cs apply, with the offer available until further notice.

Phoenix Health Fund

Refer a friend and when they sign up for an eligible combined hospital and extras policy and have kept that policy for six weeks, you and your friend will both receive a $100 EFTPOS gift card. T&Cs apply, with the offer available until further notice.

Qantas

Qantas Frequent Flyer members who purchase a Qantas Health Insurance policy by 30 November, 2021 will earn up to 120,000 sign-on Qantas Points. In addition, customers who sign up on combined hospital and extras cover will have their two- and six-month waiting periods for extras services waived. Offers expire 30 November, 2021. T&Cs apply to both offers.

Queensland Country Health Fund

Refer a friend and receive a gift card when they sign up for an eligible policy. Receive $100 if they sign up for an eligible singles policy, or $200 if they sign up for an eligible couple or family policy. T&Cs apply. Expires 31 December, 2021.

Suncorp

Get six weeks free when you buy any new combined hospital and extras cover. T&Cs apply. Expires 30 November, 2021.

Westfund

Join on any combined hospital and extras cover quoting the promo code OMF21 and get one month free. T&Cs apply. Expires 15 November, 2021.

Source: Providers’ websites. Based on advertised online promotions current as at 7 October, 2021. 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.

The table below displays some of our referral partners’ hospital and extras policies for a 39-year-old single female seeking cover in NSW without pregnancy cover. The table is sorted by Star Rating (highest to lowest) followed by provider name (alphabetical). Use Canstar’s health insurance comparison selector to view a wider range of policies. Canstar may earn a fee for referrals

Other factors to consider when comparing health insurance

Of course, it may not be worth choosing a health insurance provider just for a freebie or short-term discount. 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 needs and preferences. 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 health cover.

There are 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 almost 3,000 hospital policies, nearly 3,000 extras policies, and over 8,000 package policy combinations from 27 insurers.

Additional reporting by Tom Letts.

Cover image source: Jacob Lund/Shutterstock.com


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This content was reviewed by Sub Editor Tom Letts as part of our fact-checking process.


Sean has accumulated more than a decade of experience in journalism and communications roles in Australia, the UK and Ireland. His work covers a range of topics including finance, banking, property, investing, consumer and legal affairs, and more.

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