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 March, 2021).
Health Insurance Sign-Up Offers March 2021
|ahm||Get one month free after your first 60 days of cover when you join an eligible hospital and extras policy and use promo code 1MFREEWW. You can also skip two and six month waiting periods on eligible extras when combined with any hospital cover. T&Cs apply.||31 March 2021|
|Apia||Join an eligible hospital and extras policy as a new member and get $200 off your premium plus skip two and six month waiting periods on extras. T&Cs apply.||31 March 2021|
|Australian Unity||Get four weeks free after your first 60 days of cover when you join an eligible hospital and extras policy. You can also skip optical or two month waiting periods on extras when you join a hospital and extras or extras only policy before 30 June 2021. T&Cs apply.
In addition you can get a $100 gift card each time someone you refer takes out Hospital, Combined Hospital and Extras, or Overseas Visitors Cover through the Australian Unity call centre or website. They must provide your details at the time. T&Cs apply.
|31 March 2021
Until further notice
|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. You can also skip two and six month waiting periods on selected extras. T&Cs apply.||30 April 2021|
|CUA||Get a 4% discount on eligible CUA Health premiums paid by direct debit from a CUA transaction account. T&Cs apply.||Until further notice|
|Frank Health Insurance||Get one month free after your first month of payment when you join an eligible hospital and extras policy, paying by direct debit. T&Cs apply.
If you are a member with extras cover you can also access Kieser telehealth and face-to-face physiotherapy with no out of pocket costs, up to your annual limits. T&Cs apply.
|31 March 2021|
|HBF||Eligible new members can get six weeks free on eligible hospital and extras cover after six months. T&Cs apply.||31 March 2021|
|Health Partners||Get six weeks free and skip two month waiting periods on extras when you join an eligible hospital and extras policy and use promo code ‘6WFREE’. T&Cs apply.||31 March 2021|
|HIF||Get six weeks free and two month waiting periods waived on extras when you join or switch to an eligible hospital and extras combined policy and use promo code ‘6W2M’. T&Cs apply.||31 March 2021|
|Medibank||Join an eligible hospital and extras policy and keep your cover for a month to get six weeks free using promo code 6FREE. Plus get two and six month waiting periods waived on extras using promo code EXTRAS. T&Cs apply. Not available with any other offer.||31 March 2021|
|nib||Get one month free and skip two and six month waiting periods on extras when you join an eligible hospital and extras policy. T&Cs apply.||31 March 2021|
|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|
|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.||Until further notice|
|Qantas||Earn up to 140,000 Qantas Points after the first 60 days of membership when you join Qantas Health Insurance as a new member. To earn the full 140,000 points, Qantas Insurance says you need to purchase a combined Gold Hospital and Top Extras cover for a couple, single parent or family. Check with Qantas Insurance for full T&Cs.||4 April 2021|
|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.||31 December 2021|
Source: Providers’ websites. Based on advertised online promotions current as at 3 March, 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.
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 30-year-old single female seeking cover in NSW without pregnancy cover. Please note 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 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 3,000 hospital policies, nearly 3,000 extras policies, and over 8,000 package policy combinations from 27 insurers.
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