When choosing a health insurance policy – or indeed if you’re choosing whether to take out a policy at all – it’s important to also consider the features and benefits that suit your circumstances and preferences, as well as the cost of your premium. However, if you can find the right health insurance policy for your needs with a sign-up offer included, 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 3 July 2020).
|ahm||Get two and six-month waiting periods waived on extras, as well as one month free after your first 60 days when you join hospital and extras as a new member, using promo code ‘1MFREEWW’. T&Cs apply.||13 August 2020|
|Apia||Get $150 off when you take out any combined Hospital & Extras cover as a new member. T&Cs apply.||31 August 2020|
|Bupa||Get six weeks free after your first month of payment when you join on an eligible combined hospital and extras policy and use promo code ‘Get Bupa six weeks free’. T&Cs apply.||31 July 2020|
|Frank||Get six weeks free after your first month when you join as a new member on combined cover. T&Cs apply.||15 July 2020|
|GMHBA||Get six weeks free after your first month when you join as a new member on combined cover using direct debit. T&Cs apply.||15 July 2020|
|health.com.au||Get an eGift card worth up to $200 when you join on selected combined covers. T&Cs apply.||31 July 2020|
|HIF||Get six weeks free and two and six-month waiting periods waived on extras when you join combined hospital and extras using the promo code ‘6W2M’. T&Cs apply.||31 July 2020|
|Medibank||Get six weeks free plus two and six-month waiting periods waived on extras when you take out an eligible combined hospital and extras policy and use promo code ‘6FREE’. T&Cs apply.||31 July 2020|
|nib||Get up to $300 off your policy and two and six-month waiting periods waived on extras when you choose any hospital and extras policy and join as a new Australian resident member. T&Cs apply.||31 July 2020|
|Qantas||Earn up to 130,000 Qantas Points when you join Qantas Health Insurance. To earn the full 130,000 points, Qantas Insurance says you need to purchase Gold Hospital and Top Extras cover for a couple, single parent or family. Check with Qantas Insurance for full T&Cs.||31 July 2020|
|Queensland Country Health||Receive a $100 gift card if you refer a friend if they sign up for an eligible singles hospital or hospital and extras policy based on your referral, or a $200 gift card if they sign up for an eligible couples, family or single parent policy. T&Cs apply.
Go into the draw to win $1,000 towards dinner for you and a group of friends and family when you purchase a new health insurance policy. T&Cs apply.
|31 October 2020
31 August 2020
Source: Providers’ websites. Based on advertised online promotions current as at 3 July, 2020. 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.
If you’re comparing health insurance policies, the table below displays a snapshot of a hospital and extras policies currently available on Canstar’s database for a single female born in 1985 seeking cover in NSW without pregnancy cover. Please note the table is sorted by Star Rating (highest to lowest), followed by monthly premium (lowest to highest) and features links direct to the providers’ websites. Use Canstar’s health insurance comparison selector to view a wide range of policies.
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 considered almost 5,000 hospital policies, over 1,600 extras policies, and nearly 3,500 package policy combinations from 27 insurers.