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Health insurance discounts

Discover which Australian health funds are sweetening the pot this April with sign-up discounts and offers.

While the March deals have been and gone, health funds are still offering incentives for purchasing cover. Here you can find the latest offers from participating providers, along with other practical advice for reducing the cost of your health insurance.

Store Discount Expiration Description Last verified Redeem
Save up to 4% on all HIF covers Pay your premiums annually and save 4% on any HIF policy. Alternatively opt for half-yearly payments and save 2%.
  • This offer cannot be combined with any other HIF discount except for the $50 cash card deal below.

Last verified 6 Mar 2017 exclusive deal! Get a $50 bonus cash card with any HIF policy Just reference the code when purchasing any HIF cover. Can be used in conjunction with HIF's 4% discount for paying annually.
  • The cash card is sent out after holding cover for six weeks.
  • This offer cannot be combined with any other HIF discount.
  • Offer only available to new members.
  • Offer not available to HIF employees or their families.

Last verified 6 Mar 2017

Show code FI****

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Up to 85% off fragrances

Get up to 85% off RRP Mother's day fragrances at eBay. Conditions Apply

Extra 25% off selected sale items

Take extra 25% off selected sale items in your order with the code at SurfStitch. Conditions Apply

Show code & visit siteTA****

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Up to 60% off 1,000's of styles

Get up to 60% off sale items at Missguided. Conditions apply.

20% off selected full-price styles

Get 20% off full-priced selected styles at THE ICONIC. Ends 11:59pm on 28.04.2017. Selected styles and colours listed. Subject to terms and conditions.

Show code & visit siteDR****

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Up to 60% off activewear

ASOS are offering up to 60% off activewear for a limited time only.

$15 off + FREE delivery on orders over $150: New customers only

Simply use the code to get $15 off plus free delivery when you spend $150 or more at Valid for new customers only. Conditions apply.

Show code & visit siteAA****

After the store tab opens, come back to copy the code
Store Discount Expiration Description Last verified Redeem
Join Teachers Health on any combined cover and get 6 weeks free

Coupon code expires 30 Apr 2017

Just reference the offer code when signing up for a Teachers Health hospital and extras policy online or over the phone.
  • Must satisfy the eligibility requirements of Teachers Health.
  • For new members/memberships only.
  • Offer is applied in the second month of membership.
  • Only available with combined hospital and extras policies.
  • Offer only available via direct debit.
  • The policy must not be in arrears to receive the offer.

Last verified 5 Apr 2017

Show code SI****

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Store Discount Expiration Description Last verified Redeem
Purchase any combined cover and serve no waiting periods on all extras services

Deal expires 30 Apr 2017

Join GMHBA on a combined cover during April and no waiting periods apply to all extras services.
  • Offer is only available to new members/memberships.
  • Members must pay their first month's premium in advance.
  • Members must pay by direct debit.
  • Member must join on a combined hospital and extras policy.
  • Bronze products are included in this offer.
  • Annual benefit limits and sub-limits still apply.

Last verified 5 Apr 2017

Store Discount Expiration Description Last verified Redeem
Serve no 2 and 6 month waiting periods on extras services

Deal expires 30 Apr 2017

Join NIB on combined cover during April 2017 and the normal 2 & 6 month extras waiting periods are waived.
  • For new members/memberships only.
  • Offer only applies to combined hospital and extras cover.
  • Overseas visitors products are excluded.
  • Corporate health products are excluded.
  • Offer does not apply to NIB employees.

Last verified 5 Apr 2017

Membership benefits and rewards from participating health funds

If you leave it too late to take advantage of the health insurance deals for March don't worry. Most health funds offer members a range of extra perks for joining such as loyalty rewards, discounts on gym memberships, reduced prices on sunglasses and more. All these benefits have been verified as correct from 2 March 2017:


  • Loyalty rewards. Buy any AHM Black & White combined policy and get a boost to your annual benefit limits on extras services for each year that you hold cover. AHM stand alone extras policies increase your benefit limits every five years.
  • Specsavers. AHM members can receive a 25% off a single pair of glasses from the Specsavers $149 range or above. You can also get a 25% discount on lens options and free digital retinal photography.

Australian Unity

  • NRMA. Get 7.5% off Australian Unity policies if you are an NRMA member. This deal excludes Overseas Visitors Cover and Exclusive Lifestyle Packages.
  • Save on optical products. Australian Unity members can enjoy 25% off on a pair of spectacles and a buy one, get one free deal on prescription sunglasses at any Eyecare Advantage store in Victoria and South Australia.
  • Wellplan Rewards Program. Get discounts on gym memberships, fitness equipment, health foods, travel accessories, accommodation and entertainment.
  • No Gap Dental Network. Australian Unity members can access no gap dental benefits for certain oral treatments. This means they pay no-out-of-pocket expenses although yearly limits still apply.


  • Connect Rewards Plus. Under this program GMHBA members earn Connect Rewards dollars each year which can be used to increase annual benefit limits for certain services, reduce excess fees or cover out-of-pocket expenses.
  • Fit Rewards. Purchase any GMHBA Fit package and earn points for participating in eligible fitness events. Points can be spent on a wide range of products including Fitbit wearables, sports watches and exercise equipment.
  • Direct debit discount. Save 2% on your premiums by having them direct debited from your bank, credit union or building society.


  • More for you programs. These help HCF members reduce or eliminate out-of-pocket expenses for a wide range of treatments. More for you programs are available for services relating to backs, feet, muscles, teeth, eyes and hearing.
  • Travel and pet insurance. All members are eligible for a 10% discount on HCF pet policies and domestic or overseas travel cover. Higher tier health insurance policies reward you with free comprehensive travel insurance.
  • Loyalty benefits. If you take out Gold or Platinum Extras your annual benefit limits on certain services increase each year that you maintain cover. These include a range of dental procedures, physiotherapy, remedial massage and more.
  • Fitness First. Platinum members on 3 or 12-month plans can get 10% off their fees at any Fitness First gym. A one-off joining fee of $75 still applies.


  • NIB Eye Care. Get 100% back on three ranges of single vision prescription glasses and selected contact lenses.
  • No-gap dental. Get 100% back on select preventative dental treatments at any NIB Dental Care Centre.
  • Travel insurance. Take out any NIB health cover and receive a 10% discount on NIB travel insurance.

Transport Health

  • QBE travel insurance. Transport Health offers its members a 30% discount on QBE's domestic and overseas travel insurance policies.
  • No-gap dental and physio. Get free preventative and general dental check-ups at Transport Health's Primary Dental Centres and one no-gap physiotherapy consultation per year at Primary Physio Centres.
  • Save on optical. Get 100% back on two pairs of single and multi-vision glasses at Specsavers along with 20% off all lens extras. You also receive free digital retinal photography and bulk billed eye tests.

Take advantage of discounts for specific policy types

  • 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 insurer does not offer a reduced rate, consider moving to another provider that does.

Other ways to save on your health insurance

Compare policies offered by 35 Australian health funds

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*The offers compared on this page are chosen from a range of products has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
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Richard Laycock

Richard is the senior insurance writer at and is on a mission to make insurance easier to understand.

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