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 2 September 2020).
|ahm||Get up to $100 off for singles and single parents, and up to $200 off for families and couples after your first 60 days when you take out a hospital and extras policy as a new member, using promo code $OFFAHM. T&Cs apply.||17 September 2020|
|Apia||Get $200 off and two and six-month waiting periods of extras waived when you take out any combined Hospital & Extras cover as a new member. T&Cs apply.||31 October 2020|
|Australian Unity||Get six weeks free when you take out a combined hospital and extras policy as a new member. T&Cs apply.||30 September 2020|
|Bupa||Get six weeks free on selected products 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 October 2020|
|CUA||Get a $250 digital pre-paid Mastercard when you take out a new combined hospital and extras policy. T&Cs apply.||31 October 2020|
|HBF||Get six weeks free after your first six months when you join on an eligible hospital and extras policy. T&Cs apply.||18 October 2020|
|health.com.au||Get an e-gift card worth up to $200 and two-month waits on extras waived when you join on selected combined covers. Join on a single or single parent policy and get a $100 e-gift card. Join on a couple or family policy and get a $200 e-gift card. T&Cs apply.||30 September 2020|
|Health Partners||Get six weeks free and instant access to extras when you join combined hospital and extras. T&Cs apply.||30 September 2020|
|HIF||Get two-month waiting periods waived on extras when you join on selected policies using the promo code ‘2MW’. T&Cs apply.||30 September 2020|
|Latrobe||Get six weeks free after your first 60 days, and two and six-month waits waived immediately on extras when you join combined hospital and extras cover as a new member and use promo code ‘SIXFREE’. T&Cs apply.||30 September 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 October 2020|
|nib||Get six weeks free when you choose any hospital and extras policy and join as a new Australian resident member. T&Cs apply.||30 September 2020|
|Peoplecare||Get a $100 EFTPOS gift card after your first 60 days and 10% off your extras premium (on combined hospital and extras policies) when you join a hospital or hospital and extras policy as a new member. T&Cs apply.||Until further notice|
|Qantas||Earn up to 150,000 Qantas Points over two years when you join Qantas Health Insurance. To earn the full 150,000 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.||30 September 2020|
|Queensland Country Health||Receive a $100 gift card if you refer a friend and 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 one of three $2,000 Queensland holiday travel prizes when you purchase a new health insurance policy. T&Cs apply.
|31 October 2020
31 October 2020
|St. Lukes Health||Get six weeks free after your first month when you join on or switch to a combined hospital and extras policy. T&Cs apply.||30 November 2020|
|Source: Providers’ websites. Based on advertised online promotions current as at 3 September, 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 some of the 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 provider name (alphabetical) 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.