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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.
Get 15% off new selected memberships at Goodlife Health Clubs.
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.
Depending on your age, you may be eligible for an
aged-based discount. This is used to estimate your
rebate.
Under 65
65 - 69
70 or older
What's your household's taxable income?
This is the combined income you and your spouse earn before tax. It's needed to calculate the correct Australian government rebate.
$93,000 and under
$93,001 to $108,000
$108,001 to $144,000
$144,001 and over
What kind of health insurance do you need?
Combined (Extras + Hospitals)
Extras
Hospital
What level of hospital coverage would you like?
You can change this at any time later.
Legend
Covered
Restricted cover, You may be partially covered for
this category.
Not covered. Optional for insurer to include.
*Prices updated March 2024, in line with Finder's
database of health insurance policies. Prices are based
on a single individual with less than $93,000 income and
living in Sydney with a $750 excess.
What extras cover do you need? (Optional)
Select as many as you want or move to the next step
Preventative & general dental
Major dental & implants
Optical
Physiotherapy
Podiatry
Non-PBS pharmaceuticals
Chiropractic
Emergency ambulance
Remedial massage
Email me my results (optional)
To get a copy of your results for later, add your email below
You'll pay the same price as going direct - we don't
charge fees
We don't ask for your phone number to see prices
Hang tight - we're fetching policies just for you!
Comparing quotes from 40+ funds...
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 September 2024.
Extras only: $73
Basic: $100
Bronze: $153
Silver: $178
Gold: $204
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.
In total, 21 health funds are set to increase their premiums this year. Medibank/ahm are upping their premiums by 2.96% on 1 June. If you prepay with Medibank/ahm before then – you can make advance payments for up to 12 months – you can lock-in the insurer's current rates and make a saving.
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
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.
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
Tim's expertise
Tim has written 114 Finder guides across topics including:
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 670 Finder guides across topics including:
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