Last chance! The ultimate guide to EOFY health insurance deals
To make it even easier for you to switch health insurance this EOFY, we’ve rounded up as many health insurance offers we could find.
To show you how these stack up in real terms, we've run the numbers for 2 common scenarios: a single person taking out hospital-only cover to avoid the Medicare Levy Surcharge, and a 30-year-old locking in combined hospital and extras cover before Lifetime Health Cover loading kicks in.
| Insurer | Combined hospital & extras | Hospital only | Extras only | Restrictions | Expiry |
|---|---|---|---|---|---|
| ahm health insurance | Up to 12 weeks free (6 wks at 60 days + 6 wks at 13 months). Extras waiting periods waived. Direct join at ahmhealth.com.au. Finder exclusive: $500 digital Visa gift card via Finder Rewards. | 6 weeks free. Finder exclusive: $250 digital Visa gift card via Finder Rewards. | 8 weeks free. Finder exclusive: $150 digital Visa gift card via Finder Rewards. | New members only | 30 Jun 2026 |
| AIA Health | Up to 10 weeks premium cashback paid directly to your bank account over 3 years. | Up to 4 weeks premium cashback paid directly to your bank account. | — | New members only | 30 Jun 2026 |
| Australian Unity | Up to 10 weeks free. | — | — | New members only | 30 Jun 2026 |
| Bupa | Up to 12 weeks free + waived 2 & 6-month waiting periods. Plus: $300 Everyday Rewards Dollars (singles) or $600 (couples/family) when you link your Everyday Rewards and Bupa accounts. | — | — | New members only. Must not have held Bupa cover in last 60 days. EDR offer requires linking Everyday Rewards account. | 29 Jul 2026 (weeks free); 8 Jul 2026 (EDR offer) |
| CBHS Health Fund | 8 weeks free + all extras waiting periods (2, 6 & 12-month) waived. Policy must start 14 May – 30 Jun 2026. | — | — | RESTRICTED: CBA Group employees, contractors, franchisees & eligible family only | 30 Jun 2026 |
| Doctors Health Fund | 8 weeks free + waived 2-month extras waits. 10 weeks free for Avant policyholders; 15 weeks free for Sonic Healthcare employees. | — | — | RESTRICTED: medical/health practitioners, students & eligible family only | 30 Jun 2026 |
| HBF Health | Up to 14 weeks free (6+4+4 wks over 26 months) + chance to win share of $20,000 + no waits on eligible extras. Finder exclusive: $500 digital Visa gift card via Finder Rewards. | 6 weeks free. Finder exclusive: $200 digital Visa gift card via Finder Rewards. | 6 weeks free. | New members only | 30 Jul 2026 (combined); 30 Jun 2026 (hospital/extras-only) |
| Health Partners | Up to 12 weeks free in 3 tranches (4+4+4 wks over 24 months) + instant access to selected extras. Code: 12WFREE. | — | — | New members only. Direct join only. | 30 Jun 2026 |
| HIF (Health Insurance Fund of WA) | Up to 14 weeks free (6+4+4 wks over 25 months, code: HIF6x4w4w) + waived 2-month extras waiting periods. | — | 8 weeks free (code: EXTRAS8WF) + waived 2-month waiting periods. | New members only. Direct debit required. | 30 Jun 2026 |
| Medibank Private | Up to 12 weeks free (6 wks on join + 6 wks at 15 months) + up to $300 in gift cards via Live Better rewards + waived 2 & 6-month extras waiting periods. Code: 12WEEKSPLUS. Finder exclusive: $300 digital Visa gift card via Finder Rewards. | 6 weeks free + waived 2 & 6-month extras waiting periods. Code: 12WEEKSPLUS. Finder exclusive: $250 digital Visa gift card via Finder Rewards. | 8 weeks free (6 wks at 42 days + 2 wks at month 15) + waived 2 & 6-month waiting periods. Code: EXTRA8WEEKS. Finder exclusive: $150 digital Visa gift card via Finder Rewards. | New members only. Must not have held Medibank cover in prior 60 days. | 31 Jul 2026 |
| Navy Health | 6 weeks free + waived 2 & 6-month extras waiting periods. Code: MAYJUN26. | — | — | RESTRICTED: ADF serving/ex-serving members, Reservists, DVA card holders & Defence-supplier employees only | 30 Jun 2026 |
| nib | 10 weeks free. | — | — | New members only | 30 Jun 2026 |
| Nurses & Midwives Health | 6 weeks free (code: SIX) + waived 2 & 6-month extras waiting periods. | — | — | RESTRICTED: nurses, midwives, care workers via relevant union membership & eligible family only | 13 Jul 2026 |
| Phoenix Health Fund | 1 month free (credited after 1st month's premium paid). Also: $150 digital gift card refer-a-friend (ongoing). | 1 month free (credited after 1st month's premium paid). | — | Open membership. Minimum 6-month hold required. | 30 Jun 2026 |
| Qantas Insurance | Up to 200,000 Qantas Points over 15 months + waived 2 & 6-month extras waiting periods. | — | — | New members only. Must be a Qantas Frequent Flyer member. | 30 Jun 2026 |
| Queensland Country Health Fund | — | 6 weeks free + entry to win 1 of 3 x $2,000 gift cards (Silver+ / Bronze+ tiers). | — | New members only | 30 Jun 2026 |
| see-u by HBF | Up to 8 weeks free + up to $400 in gift cards + waived waiting periods on eligible extras. | — | — | New members only | 26 Jul 2026 |
| St. Luke's Health (Tasmania) | 6 weeks free + extras waiting period waivers (refer-a-friend only). Referrer gets $100 gift card. No standalone open-market offer currently active. | — | — | Must be referred by an existing St. Luke's member | 30 Jun 2026 |
| Teachers Health | 6 weeks free (code: SIX) + waived 2 & 6-month extras waiting periods + $50 eGift referral bonus. | — | — | RESTRICTED: education sector workers & eligible family only | 13 Jul 2026 (weeks free); 31 Jul 2026 (waiver) |
| TUH (Transport & Utilities Health) | Merged into Teachers Health (1 Jul 2025). 6 weeks free (code: SIX) + extras waits waived via teachershealth.com.au. $100 eGift refer-a-friend (ongoing). | — | — | RESTRICTED: transport/utilities industry workers only | 13 Jul 2026 (weeks free) |
| Westfund Health Insurance | 6 weeks free + waived 2-month extras waiting periods. Code: TAXTIME26. | — | — | New members only. No prior Westfund cover in last 12 months. Direct debit required. | 20 Jul 2026 |
Health insurance cashback deals: how do they stack up?
Beyond the sign-up offers above, there are also a number of third-party cashback deals currently doing the rounds for new health insurance customers.
We've put Finder's exclusive ahm offer up against the best of them across two common scenarios: a single person taking out hospital-only cover to avoid the MLS and a 30-year-old locking in combined cover before LHC loading kicks in.
Profile 1: Single person, hospital-only cover (avoiding the MLS)
| Deal | Upfront value | Hold requirement |
|---|---|---|
| ahm via Finder | $250 Visa gift card | Hold until 30 Sept 2026 (~3.5 months), direct debit required |
| ShopBack/Canstar flash cashback | $225 cashback (hospital only tier) | 90 days |
| Compare the Market cashback | $300 cashback (combined cover tier only) | 90 days |
| Westfund referral bonus | $100 gift card (hospital-only), can't stack with 6 weeks free | Per referral terms |
Why ahm via Finder comes out on top:
With $250 cashback up for grabs, it beats every other hospital-only-specific offer on this list, and it's the only one that stacks with the insurer's own weeks-free promotion rather than forcing you to pick one or the other. The Compare the Market cashback looks higher at $300, but that rate only applies to combined cover, so it's not actually a fair deal for someone who just wants hospital-only. Westfund's referral bonus is lower value and comes at the cost of giving up their weeks-free offer entirely.
Profile 2: 30-year-old, combined hospital & extras
| Deal | Upfront value | Hold requirement |
|---|---|---|
| ahm via Finder | $500 Visa gift card | Hold until 30 Sept 2026, card issued by 30 Oct |
| ShopBack/Canstar flash cashback | $315 cashback (upsized from $105) | 90 days |
| ShopBack/TopCashback via Compare the Market | $300 cashback | 90 days |
| Bupa Everyday Rewards Dollars | $300 (single) / $600 (couple/family) | 60 days + direct debit + account linking |
| Westfund | 6 weeks free OR $100–$200 referral gift card (not both) | 90 days |
Why ahm via Finder comes out on top:
With a $500 Finder gift card and ahm's own stacked weeks-free offer, this is the richest combined-cover deal currently on the market for singles. The one genuine exception is Bupa's Everyday Rewards offer for couples or families, where the $600 reward is a strong match for what Finder offers, especially once you account for how quickly it can offset a couple's premiums.
Pick up your Finder Reward before June 30
Win $2,500 cash with Finder
The average Aussie tax refund is around $2,500. So this EOFY, we're handing one lucky person that exact amount to spend however they like!
Update 29 June 2026: We updated this article by adding in two new tables comparing other cashback offers to Finder Rewards.
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