Health insurance deals and sign-up offers

When choosing a health insurance policy (or 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 with it could be a welcome bonus.

Here’s a selection of some current health insurance deals and sign-up offers for hospital and extras cover from providers rated by Canstar (correct as of 3 July, 2025). Some deals may be state or territory specific, so it’s important to check the details of the offers to see if they apply to you.

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Health Insurance deals and offers in July 2025

AAMI

Get 1 month free, plus skip the 2 & 6 month wait on Extras when you take out a combined Hospital and Extras cover by 1 September 2025.​ Available only to eligible new members, please visit the AAMI website for details.

ahm

ahm is offering up to eight weeks free for new eligible hospital & extras policies with the promo code 8WFREEWW (offer ends 28 August 2025). This is six weeks after the first 60 days of continuous cover and an additional two weeks free after 365 days. You can also waive any 2 & 6 month waiting periods on extras. Ts&Cs apply, please visit the ahm website for more details.

AIA

New AIA members can get up to $600 cashback over their first two years of cover by taking out an eligible policy before 31 July 2025.

AIA is also offering new members a 5% premium discount on their first year’s premium if they download and join the AIA Vitality app. AIA Vitality is AIA’s health and wellbeing program. Members can keep this discount if they reach AIA Vitality Silver status. Ts&Cs apply, please visit the AIA website for details.

Apia

Eligible new APIA members can get 1 month free, plus, skip the 2 & 6 month waiting periods on Extras when they take out a combined Hospital and Extras cover by 1 September 2025.​ Offer fulfilled in month 3 of membership. T&Cs apply, please visit the Apia website for details.

Australian Seniors

Signing up for a combined Hospital and Extras policy by 31 August could allow you to get 6 weeks free and skip the 2 and 6 month wait on Extras. Ts&Cs apply, see Australian Seniors website for details. 

Australian Unity

Australian Unity is offering 10 weeks free when you purchase combined hospital and extras cover over the phone or online by 31 July 2025. Australian Unity will also waive all two month and optical waiting periods on extras. Available for new eligible members. Ts&Cs apply, please visit the Australian Unity website for details.

Bupa

Bupa is offering up to 12 weeks free to new members who join on eligible combined hospital and extras products using the code 12WEEKSFREE. Bupa will also waive the two and six month waiting periods on extras. This offer ends 31 July 2025.

Bupa has partnered with Everyday Rewards to offer up to 150,000 points to new Bupa members that join on eligible health insurance policies using the promo code REWARDSDOLLARS. This offer cannot be combined with any other offer. Ts&Cs apply for all offers, please visit the Bupa and Everyday Rewards websites for details.

Frank Health Insurance

Get 12 weeks free with no two and six month waiting periods on extras when you join on a new eligible combined policy by 31 July 2025. The first six weeks free come after your first month, with a further six weeks coming after you maintain combined cover for 12 months. Ts&Cs apply, please visit the Frank website for details.

GMHBA

Get up to 10 weeks free with no two and six month waiting periods on extras when you join on a new eligible combined policy by 15 July 2025. The first six weeks free come after your first month and the next four weeks come after maintaining combined cover for 12 months. Ts&Cs apply, please visit the GMHBA website for details.

HBF

Get up to 14 weeks free over 26 months when you take out an eligible hospital and extras policy. Available to new eligible members only. Offer ends 17 July 2025. Ts&Cs apply, please visit the HBF website for details.

HCF

You can get up to 130,000 points when you join and stay on new eligible HCF cover for at least 10 months. Plus, HCF will waive the usual 2-month waiting periods for extras like general dental, optical, physio and more.  Ts&Cs apply, see HCF website for details.

HIF

You can claim a bonus cash card worth up to $400, and have no 2-month waits on Extras by using the promo code MYHIFX2M when you sign up for an eligible HIF policy before 31 July 2025. Ts&Cs apply, see HIF website for details.

Health Partners

Health Partners is offering eight weeks free and instant access to selected extras for new members who join hospitals and extras cover by 31 July 2025. Use the promo code 8WFREE. Ts&Cs apply, please visit the Health Partners website for individual cover details and ‘member guide’ for more information.

ING

New eligible members who take out combined hospital and extras cover can get two months free, as well as having the two and six month waiting periods on extras waived. Offer ends 1 September 2025. Ts&Cs apply, please visit the ING website for details.

Latrobe Health Services

New eligible members who take out combined hospital and extras cover before 17 August 2025 will have their two and six month waiting periods for extras waived. Ts&Cs apply, please visit the Latrobe Health Services website for details.

Medibank

Medibank is offering up to 12 weeks free when you join and maintain eligible Bronze hospital and extras cover plus 50,000 Live Better Points (couples and families) or 25,000 Live Better Points (singles and single parents) that can be redeemed for rewards like gift cards. Two and six month waiting periods on extras will also be waived. Use the promo code 12WEEKSPLUS. Offer ends 15 July 2025. Ts&Cs apply, please visit the Medibank website for details.

nib

New customers to nib can get 8 weeks free when they take out a combined hospital and extras policy online by 31 August 2025, and also skip the 2 & 6 month wait on Extras. Offer fulfilled in month three of membership. Ts&Cs apply, please visit the nib website for details.

Peoplecare Health Insurance

Join by 31 October 2025 and maintain an eligible hospital and extras policy and you could get eight weeks free. This is eight weeks free after 60 consecutive days of membership. Use the promo code 8WKSFREE to redeem this offer. Ts&Cs apply, please visit the Peoplecare Health Insurance website for details.

Phoenix Health Fund

If you’re already a member and refer a friend, you’ll each receive a $150 digital gift card when they sign up for an eligible combined hospital and extras 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 re-joining. 

The new member must email Phoenix Health with their new membership number and the referring member’s full name and membership number within 48 hours of completing their membership application to be eligible. Ts&Cs apply, please visit the Phoenix Health website for details.

Qantas Insurance

Qantas Health Insurance offers various deals and discounts, including earning up to 130,000 Qantas Points for joining by 15 August. Points are awarded based on your level of cover over 6 months, subject to eligibility criteria and T&Cs. You can also earn 1 Qantas Point per $1 spent on your premium every month. Additionally, you can earn 12,000 Qantas Points in a year with the Qantas Wellbeing App by walking 10,000 steps each day and regularly reaching your sleep goals. These offers are subject to change and may have specific terms and conditions. It’s recommended to visit the Qantas Health Insurance website or contact them directly for the most up-to-date information.

Queensland Country Health Fund

New customers can get up to 10 weeks free when they take out an eligible hospital and extras policy by 30 August 2025. Ts&Cs apply, please visit the Queensland Country Health Fund website for details.

Real Insurance

You can get four weeks free when you take out a combined hospital and extras policy by 31 August 2025. Plus you can wave the two and six month waiting period on extras. Available to new eligible members. Ts&Cs apply, please visit the Real Insurance website for details.

St. Lukes Health Insurance

When you join a hospital and extras or hospital only cover with St. Lukes Health Insurance before 31 July 2025, you can get six weeks of coverage free. You will also be able to avoid waiting periods of two, three and six months on extras cover. Available to new eligible members. Ts&Cs apply, please visit the St. Lukes Health Insurance website for details.

Suncorp

Suncorp Health Insurance is offering a limited-time deal where you can get one month free* on a combined Hospital and Extras cover if you join by 1 September 2025. This offer is available to permanent residents who are 18 years or older. The offer is not available to existing health insurance policyholders with nib, GU, AAMI, Apia, Suncorp, ING, Priceline, Real, Seniors, or Qantas Health Insurance, or to previous policyholders who have cancelled their policy within 6 months before or during the offer period.

To qualify, you must maintain the eligible product until 25 September 2025 for policies purchased between 1 July 2025 and 31 July 2025 and 29 October 2025 for policies purchased between 1 August 2025 and 1 September 2025. The offer will be forfeited if you are not an active policyholder on this date. *Ts&Cs apply, please visit the Suncorp website for details.

Westfund

New members who join on an eligible combined hospital and extras policy by 6 July 2025 can get an eGift Card worth up to $600. Use the promo code SAVERS25 online or over the phone to redeem this offer. Ts&Cs apply, please visit the Westfund website for details. 

Source: All offers are based on advertised online promotions on each provider’s website on 3 July, 2025. 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.

Are health insurance deals worth it?

This will ultimately depend on your needs and personal circumstances. 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 health insurance 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 policy documentation, such as the Private Health Information Statement (PHIS) and Target Market Determination (TMD), of 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’s comparison table or you can book a call with a professional to discuss your health insurance options.

There is a wide range of health insurance policies on offer for consumers who choose to shop around and compare. In fact, Canstar’s most recent Health Insurance Awards considered thousands of hospital, extras and combined policies, from dozens of insurance providers. Award winners were judged to have offered customers outstanding value either nationally or in a particular state or territory. You may be interested in reviewing these providers when making your decision.

You may also be interested in Canstar’s Most Satisfied Customers Award: Health Insurer, which is awarded to the health insurer with the highest level of customer satisfaction.

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Cover image source: fizkes/Shutterstock.com

Additional reporting by Rachel Bollerman