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Things to remember when comparing health insurance offers
While it's great to get a deal when signing up to a new health insurance policy, the most important thing is that you get the right cover for your needs. Don't be tempted to sign up with a provider or policy that isn't right for you just because it has a great discount. Here are a few key things to keep in mind when comparing health insurance offers.
Do's:
Make sure the policy you've picked is right for you and your needs.
Be sure that you can pay your premiums after any free period.
Remember to consider the ongoing member benefits of any health insurance brand that you're considering.
Do not's:
Don't buy a policy that doesn't suit your needs just because there's a great sign-up offer.
Make sure you check out the terms and conditions. For example, most sign-up offers require you to be a new customer to that provider.
Common types of health insurance sign-up deals
Health insurance sign-up deals change each month, but there are a few common types of offers you're likely to see.
Free cover period
One of the most common sign-up offers you'll see in health insurance is a number of weeks of free coverage. The amount of time is normally between 2 and 6 weeks. You'll sometimes need to be signed up for a minimum period of time (3 months, for example) before entering your free coverage period.
Waived waiting periods
Many providers will offer to waive some waiting periods on new policies, so that you can claim right away. This is especially common on extras policies. Most offers will waive 2 and 6 month waiting periods.
Bonus frequent flyer points
Health insurance providers associated with airline brands will offer bonus frequent flyer points for new sign-ups. To claim the full bonus you'll generally need to be on a high level of cover for a minimum number of months. Lower levels of cover will often give you a smaller number of points.
Health insurance member benefits
Sign-up deals are all well and good, but many health insurance brands all offer a range of ongoing member benefits and rewards, which you should be aware of. Here are some of the current health insurance offers available from Finder partners:
Health Fund
Member Offer
Apply
Key offers:
10% off ahm life insurance premiums.
Up to 25% off a single pair of glasses Specsavers.
Get 20% off lenses and lens extras, and 10% off contact lenses at OPSM.
Get up to 10% off on car or up to 20% on home and contents insurance.
Get two months free on ahm pet insurance.
Get 10% off on ahm travel insurance.
Get 10% off on ahm income protection premiums.
Get 10% off your individual tax return at H&R Block.
Potential benefits of switching health insurance provider
Sign-up deals aren't just for people who are brand new to health insurance. Any of the current offers on this page are also available to people switching from one provider to another, so long as you're a new customer to the brand you're switching to. It's one of the three big benefits to switching health insurance providers regularly:
Sign-up deals
Health insurance sign-up deals are available to people switching providers, as long as you're a new customer to the fresh provider.
Quick and easy
Switching health insurance providers is easy - just sign up with the new provider. The new provider will sort it all out for you.
No extra waiting periods
Any waiting periods you've already served will transfer to your new provider, as long as the coverage level is the same.
How much does health insurance cost?
We ask hundreds of Australians what they're paying for health insurance every month. Here's what their bill looked like in February 2025.
Extras only: $45
Basic: $101
Bronze: $141
Silver: $188
Gold: $242
Price based on 500+ responses for single hospital or extras insurance.
Health insurance deals: Frequently asked questions
Aussie health insurance providers regularly offer deals for new customers, with perks like 4 weeks of free cover, a waiver on 2- and 6-month waiting periods, or bonus frequenty flyer points. These deals change each month, so check our up-to-date list to see what's available now.
Yes, health insurance deals can be used when switching providers, you don't need to be brand new to health insurance. Generally the only restriction is that you'll need to be considered a new customer by the fund you're signing up to. Learn more about getting a great deal when switching providers.
Sometimes, you can take advantage of additional discounts:
Corporate policies. Check with your employer to see if they offer corporate health insurance. Corporate sector discounts of up to 12% are often granted by health funds, which are then passed onto employees in the form of cheaper policies.
Family policies. Many health funds offer incentives for families, such as no hospital admission excess for children, no-gap dental and allowing you to keep your child on your policy until they turn 25 (if they are studying full time).
Single parent policies. Health funds have been allowed to provide single parents with a reduced premium compared to the family rate since 2007. If your fund does not offer a reduced rate, consider moving to another fund that does.
Annual and direct debit discounts. Look for a fund that rewards you for prepaying your premiums or having them direct debited out of your account.
Lots of health insurance brands offer discounts for paying your premiums by direct debit, or for paying for a full year in advance. The following table lists several Australian health insurance providers who do.
Fund
Direct debit discount
Annual payment discount
4%
n/a
4%
n/a
4%
n/a
n/a
Annual: 2.5%
2%
n/a
3%
n/a
n/a
Annual: 4%
Bi-annual: 2%
2.5%
n/a
n/a
Annual: 4%
Bi-annual: 2%
4%
n/a
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To make sure you get accurate and helpful information, this guide has been edited by Angus Kidman as part of our fact-checking process.
A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146).
If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio
Tim's expertise
Tim has written 149 Finder guides across topics including:
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 621 Finder guides across topics including:
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Find out everything you need to know about getting couples health insurance.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
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