Health insurance deals and offers for December 2024

Key takeaways

Name Product AUFHI-DLZ

Get a FREE Gift Card on hospital and extras cover.

Ends 17 December 2024

Join HBF by 17 December 2024 to get a $300 gift card with a couple/family policy or $150 gift card with a single/single parent policy after 31 days. New member offer. T&Cs apply.


Join Directly On Eligible Cover & Get 6 Weeks Free

Ends 08 January 2025

T&Cs apply. Available to new members only. Ends 8 Jan 2025. 6 weeks free applied in year 1 (year 2 for annual payers).


Get 6 weeks free

For new joins on eligible combined hospital & extras. T&Cs apply. Learn more.


Join and maintain eligible Medibank hospital and extras cover and you could earn Live Better points to redeem on rewards like an Apple Watch

Ends 18 December 2024

New members only. T&Cs apply. Excludes Basic covers. Ends 18 December 2024.


Want a $50 gift card when you join & maintain eligible Extras?

Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply. Excludes Healthy Living Extras.


Want up to 8 weeks free and $400 in gift cards (couples/families) or $200 in gift cards (singles/single parents) when you join and maintain eligible Bronze Hospital cover or above?

Ends 11 December 2024

New members only. T&Cs apply. Excludes Basic covers. Offer ends 11 Dec 2024.


Join and earn up to 120,000 Qantas Points

Ends 31 January 2025

Plus, get 60-75% back on Extras (up to your annual limit) for things like dental, physio and glasses costs. Points will be awarded based on your level of cover over 6 months. Eligibility criteria and T&Cs apply.

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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 tag

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.

Calendar

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.

Aeroplane

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 FundMember OfferApply
Key offers:
  • 10% off ahm life insurance premiums.
  • Get 15% off new selected memberships at Goodlife Health Clubs.
  • Up to 25% off a single pair of glasses Specsavers.
Get quote
Medibank helath insurance Key offers:
  • 15% off selected sunnies at Sunglass Hut.
  • 15% off Medibank travel insurance.
  • 15% off laser eye surgery at Vision Eye Institute.
Get quote
Picture not described Key offers:
  • Up to 20,000 Qantas Points with the Qantas Wellbeing App.
More info
Key offers:
  • HCF Thank you membership program.
  • Up to 25% off travel insurance.
  • Up to 15% off pet insurance.
  • Discount on GP2U's standard rates.
More info
GMHBA logo Key offers:
  • Up to $500 in shopping rewards.
  • Up to 50% off selected gym memberships.
  • Up to $260 in active benefits rewards.
Get quote
HIF Health Insurance Key offers:
  • $70 EFTPOS card every time you successfully refer a friend.
More info
Key offers:
  • 10% off nib travel insurance.
  • Access to nib Health Management Programs.
  • 100% back on dental check-ups at nib Dental Care Centres.
More info
Bupa logo Key offers:
  • Discounts on Bupa car, home, travel and pet insurance.
  • Unlock discounted e-gift cards from well known brands.
  • Enjoy savings at restaurants across Australia.
  • Save on everyday essentials.
  • Access discounted cinema e-Vouchers.
  • Get cashback when you shop through Life Rewards.
Get quote
Picture not described
  • CBHS Better Living programs.
  • The Choice Network.
  • Member discounts.
  • Hospital Substitute Treatment.
More info
Key offers:
  • Free AIA Vitality Health Check.
  • Discounted gym memberships and fitness devices.
  • Quit smoking programs.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

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:

Deal

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

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.

Calendar

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 November 2024.
  • Extras only: $56
  • Basic: $105
  • Bronze: $141
  • Silver: $193
  • Gold: $223
Price based on 470+ responses for single hospital or extras insurance.

Health insurance deals: Frequently asked questions

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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.
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Insurance expert

Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio

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Tim has written 122 Finder guides across topics including:
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Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 646 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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