EOFY 2026: Score 10% off health insurance with Australian Unity**
Finder offer! Get 10% off your health insurance policy** with Australian Unity AND get up to $500 in Mastercard Gift Cards*.
Sponsored by Australian Unity. Sign up with Australian Unity by 30 June 2026 for hospital & extras cover and you'll receive up to $500 in Mastercard Gift Cards (dependent on your level of cover)*. Additionally, as a Finder reader, you'll also receive 10% off** the total price of your policy. T&Cs apply.
Australian Unity is offering Finder readers 10% off** health insurance - whether it's hospital cover, extras cover or both. Plus score up to $500 in Mastercard Gift Cards*, when you join hospital & extras by 30 June 2026. This deal is available only through Finder and is not available directly from Australian Unity.
Been thinking about updating your health insurance?
If the answer is yes, now is a great time. The end of the financial year is approaching, and that means it can be a great time to score a great offer on a health insurance policy.
Today, we're taking a look at some of the benefits you can get when you opt for a health insurance policy with Australian Unity.
Make sure you also check out the other offers available on the End of Financial Year Hub, too!
Explore all of our EOFY offers today
What sort of deal can I get on my health insurance with Australian Unity?
Right now, Australian Unity is offering a deal to readers through Finder.
Take out hospital & extras cover with Australian Unity before June 30th and you'll receive:
- Up to $500 in Mastercard Gift Cards (dependent on your level of cover)*.
- 10% off** health insurance, all day every day. Whether its hospital cover, extras cover or both.
T&Cs apply, so make sure you visit the Australian Unity website to find out all the details.
Keeping an eye out for offers like this can help you get a better deal on your health insurance.
Can I get access to a wide range of extras?
Yes. Australian Unity offers a range of extras options to members.
Some extras include:
- General Dental
- Physiotherapy
- Psychology
- Chiropractic and osteopathy
- Acupuncture
- and much more!
You can see the full range on the Australian Unity website. There are also some other benefits, including:
- You're able to choose your Extras cover to suit -- you can get up to 50%, 60%, 70% or 75% back on extras.
- You can get 100% back on your dental check up^. And 100% back on optical+ plus discounts at leading eyewear retailers.
- You're able to choose your own extras provider, so you can keep seeing your favourite dentist, physio, chiro or other extras provider.~
💸EOFY offer! Get up to $500 in Mastercard Gift Cards* + a 10% discount** on your policy with Australian Unity💸
Sign up with Australian Unity by 30 June 2026 for hospital & extras cover and you'll receive up to $500 in Mastercard Gift Cards*, depending on your level of cover. Additionally, as a Finder reader, you'll also receive 10% off health insurance.** T&Cs apply.
Learn more
Can I get help with preventative measures to look after my health?
Yes. Australian Unity provides a range of preventative health services to members#, including:
- Weight loss programs
- Quit smoking
- Doctor health checks
- Mammogram
- Cervical cancer screenings
- Bowel cancer screenings
Additionally, Australian Unity provides healthy lifestyle benefits+, including gym memberships, skin checks and nicotine replacement therapy.#
Can I get any financial benefits from taking out private health insurance?
If you take out hospital cover by 1 July following your 31st birthday, you can avoid Lifetime Health Cover Loading (which is also known as "LHC Loading").
Lifetime Health Cover Loading is a 2% loading charge added to your hospital premium. It's intended to encourage people to take out hospital cover earlier in life and to maintain it.
The loading is applied on top of your hospital premium for every year you are aged over 30, based on your age on 1 July prior to joining. The maximum LHC loading that anyone can pay is 70%. Increased premiums due to LHC loading stop after 10 years of continuous hospital cover.
That can lead to a big rise in costs for your health cover over that period!
Still not convinced it's worth it? Lets crunch some numbers and see how the LHC loading can impact your premium over the 10 year period.
At time of writing, Finder research suggests the average monthly cost in Australia for silver hospital cover is $153.47.
That's $1841.64 a year.
Add the 2% LHC Loading cost and you're looking at $1878.47.
Not a huge difference in isolation. But over the course of 10 years, you're looking at $2,244.94!
And that's not even considering the annual price increases on health insurance policies -- that figure is purely based on LHC Loading.
So as you can see, you can benefit from substantial cost savings over time if you take out health insurance at a younger age.
Can I get any tax benefits from taking out private health insurance?
Yes! Taking out private hospital cover may be able to reduce your tax obligations, no matter what age you are.
If you don't already have private hospital cover and you're earning over $105,000&, you'll need to pay the Medicare Levy Surcharge (MLS) on top of any other taxes, including the Medicare Levy.
MLS is a levy paid by Australian tax payers who do not have private hospital cover and who earn above a certain income. The surcharge aims to encourage individuals to take out private hospital cover, and where possible, to use the private system to reduce the demand on the public Medicare system. How much you'll need to pay is on a tiered system, usually 1-1.5% of your income.
So if you're single and earn& for example $125,000 a year, you'd be paying an additional 1.25% for the Medicare Levy Surcharge.
However if you shop around, often you can buy a basic level of cover for around the same price as (or even less than) the additional tax you might have to pay.
As an example if you purchase Corporate Basic Plus with Corporate Lite Extras with Australian Unity during the EOFY promotion, you'll pay $1,425.97 annually-, inclusive of the 10% promotional** offer. So private health insurance in some circumstances can be significantly cheaper than the Medicare Levy Surcharge.
Important: If you haven't had Hospital cover for the full period of the last financial year, you may be subject to MLS for that uninsured period.
Choosing a health insurance policy with a provider like Australian Unity before the end of FY25/26 can score you a discount and potentially save you on your tax, too.
Key takeaways
- Looking for offers around the end of the financial year can sometimes get you get a better deal on your health insurance.
- As a Finder reader, you can receive 10% off** when you take out health insurance with Australian Unity. Additionally, you can score up to $500 in Mastercard Gift Cards* (dependent on your level of cover) when you join hospital & extras by 30 June 2026.
- You can get access to a broad range of Extras via Australian Unity.
- Australian Unity provides a wide range of preventative health services and lifestyle benefits to help keep members healthy.
- Taking out private hospital cover can offer both financial and tax benefits long-term.
Learn more about getting cover with Australian Unity
Sponsored by Australian Unity. Sign up with Australian Unity by 30 June 2026 for hospital & extras cover and you'll receive up to $500 in Mastercard Gift Cards (dependent on your level of cover)*. Additionally, as a Finder reader, you'll also receive 10% off** the total price of your policy. T&Cs apply.
*Eligibility requirements and T&C's apply. Offer ends Jun 30, 2026.
**New members on new memberships only. T&C's apply. Offer ends 30 June 2026
^ At our No Gap Dental Network.
+ Selected products and services. Annual limits, service limits and waiting periods apply.~ Provider recognition rules apply.
# T&Cs and eligibility criteria apply.
- Singles cover in VIC with a $750 excess. Rebate Tier 1 income. Assumes a 0% Lifetime Health Cover loading. Price includes a 10% discount, inclusive of a 4% direct debit discount.
& These are based on the income thresholds from 1 July 2026
Image: @Fat Camera via Canva.com