Last chance! The ultimate guide to EOFY health insurance deals
Key takeaways
- EOFY health insurance deals expire June 30, so if you've been putting off switching, this is your last chance.
- Perks including digital Visa gift cards, weeks free, waived wait periods and more are all up for grabs.
- What's next: Browse our ultimate health insurance EOFY deals list and switch to a better value policy.
June 30 is one week away, and for anyone who's been putting off switching health insurance, time is officially running out.
New Finder research shows 41% of Aussies rarely, or never, review their health cover.
Sound familiar? The good news is there's never been a better time to change that.
EOFY is hands down one of the best times of year to switch your cover. This is when insurers pull out their biggest offers, giving you every reason to stop procrastinating and act.
To make it even easier for you to switch, we’ve rounded up 3 Finder health insurance rewards worth claiming before the clock runs out.
Medibank
Medibank has an exclusive reward with Finder running until June 30, paired with its own pool of member perks.
- Get a $300 digital gift card from Finder: When you purchase an eligible Medibank combined health insurance policy.
- Get a $250 digital gift card from Finder: When you purchase an eligible Medibank hospital-only policy.
- Get a $150 digital gift card from Finder: When you purchase an eligible Medibank extras-only policy.
- Eligible new members may also unlock Medibank's new member promotions, including up to 12 weeks free and up to $300 in gift cards through Medibank's Live Better rewards program (use Medibank discount code 12WEEKSPLUS).
Why Medibank: With a $300 Finder reward on top of Medibank's own new member offer, the total value on offer here is hard to ignore. It's one of the few deals where you can stack rewards from two directions at once.
ahm
ahm has an exclusive Finder Rewards offer running until June 30, and the reward amount scales with the type of cover you take out.
- Get a $300 digital gift card from Finder: When you purchase an eligible ahm combined Hospital & Extras policy.
- Get a $250 digital gift card from Finder: When you take out eligible Hospital-only cover.
- Get a $150 digital gift card from Finder: When you take out eligible Extras-only cover.
- New customers can also stack the Finder exclusive reward with ahm's direct offer, including:
- Up to 12 weeks free for eligible combined cover
- Up to 8 weeks free for eligible extras-only cover
- Up to 6 weeks free for eligible hospital-only cover
Why ahm: ahm is one of the more flexible options on the market. Whether you need hospital, extras or the full package, there's a reward to match. As a Medibank-backed insurer, you get solid coverage at a generally lower price point, making it a strong pick for anyone who wants quality cover without paying a premium for it.
HBF
HBF is pulling out all the stops for new customers who sign up before June 30. Depending on what you're looking for, you can unlock weeks free and an exclusive Finder reward.
- Get a $500 digital gift card from Finder: When you purchase an eligible HBF combined hospital and extras policy.
- Get a $200 digital gift card from Finder: When you purchase an eligible HBF hospital only policy.
- Depending on the policy you purchase, you'll also be able to stack up to 14 weeks free onto your new policy.
Why HBF: One of Australia's most trusted not-for-profit health insurers, HBF puts its profits back into member benefits rather than shareholder pockets, and with up to a $500 gift card and up to 14 weeks free on the table, EOFY is a particularly good time to make the switch.
Other hot health insurance deals
At Finder, we say that the best deal is the one that actually fits your life. Here's a full rundown of every health insurance offer we could find right now.
Whether you're after more free weeks, gift cards or points, there's something on the list for you.
But you’ll need to be quick, as most of these offers are set to expire on June 30.
| Insurer | Deal | Expiry |
|---|---|---|
| nib | 10 weeks free on eligible combined hospital & extras cover. New members only. | 30 Jun 2026 |
| ahm health insurance | Up to 12 weeks free on combined hospital & extras (6 wks at 60 days + 6 wks at 13 months); 8 wks free on extras-only; 6 wks free on hospital-only. Extras waiting periods waived. New members only, direct join at ahmhealth.com.au. | 30 Jun 2026 |
| AIA Health | Up to 10 weeks free on eligible combined hospital & extras; up to 4 weeks free on hospital only. New members only. | 30 Jun 2026 |
| Australian Unity | Up to 10 weeks free on hospital & extras (combined cover). New members only. | 30 Jun 2026 |
| Bupa | Up to 12 weeks free + waived 2 & 6-month waiting periods on combined hospital & extras. New members only. | 29 Jul 2026 |
| CBHS Health Fund | 8 weeks free + all extras waiting periods (2, 6 & 12-month) waived on combined hospital & extras. RESTRICTED: CBA Group employees, contractors, franchisees & eligible family only. Policy start 14 May - 30 Jun 2026. | 30 Jun 2026 |
| Doctors Health Fund | 8 weeks free on combined hospital & extras + 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. | 30 Jun 2026 |
| HBF Health | Combined hospital & extras: up to 14 weeks free (6+4+4 wks over 26 months) + chance to win share of $20,000 + no waits on eligible extras. Hospital/extras-only: 6 weeks free. New members only. | 30 Jul 2026 (combined); 30 Jun 2026 (hospital/extras-only) |
| Health Partners | Up to 12 weeks free on combined hospital & extras, released in 3 tranches (4+4+4 wks over 24 months) + instant access to selected extras. Code: 12WFREE. New members, direct join only. | 30 Jun 2026 |
| HIF (Health Insurance Fund of WA) | Up to 14 weeks free total (6+4+4 wks over 25 months, code: HIF6x4w4w) + waived 2-month extras waiting periods on combined hospital & extras. New members only, direct debit required. | 30 Jun 2026 |
| Medibank Private | Up to 12 weeks free on combined hospital & extras (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. New members, no Medibank cover in prior 60 days. | 31 Jul 2026 |
| Navy Health | 6 weeks free + waived 2 & 6-month extras waiting periods (code: MAYJUN26) on combined hospital & extras. RESTRICTED: ADF serving/ex-serving members, Reservists, DVA card holders & Defence-supplier employees. | 30 Jun 2026 |
| Nurses & Midwives Health | 6 weeks free (code: SIX) + waived 2 & 6-month extras waiting periods on combined hospital & extras or StarterPak. RESTRICTED: nurses, midwives, care workers via relevant union membership & eligible family. | 13 Jul 2026 |
| Phoenix Health Fund | 1 month free (credited after 1st month's premium paid) on combined hospital & extras or hospital-only. Minimum 6-month hold required. Open membership. Also: $150 digital gift card refer-a-friend (ongoing). | 30 Jun 2026 |
| Qantas Insurance | Up to 200,000 Qantas Points over 15 months + waived 2 & 6-month extras waiting periods on combined hospital & extras. New members only. | 30 Jun 2026 |
| Queensland Country Health Fund | 6 wks free + entry to win 1 of 3 x $2,000 gift cards on eligible hospital cover (Silver+ / Bronze+ tiers). New members only. | 30 Jun 2026 |
| see-u by HBF | Up to 8 wks free + up to $400 in gift cards + waived waiting periods on eligible extras (combined cover). New members only. | 26 Jul 2026 |
| St. Luke's Health (Tasmania) | Refer-a-friend only: new referred member gets 6 wks free + extras waiting period waivers; referrer gets $100 gift card. No standalone open-market join-and-get offer currently active. | 30 Jun 2026 |
| Teachers Health | 6 wks free (code: SIX) + waived 2 & 6-month extras waiting periods + $50 eGift referral bonus on combined hospital & extras. RESTRICTED: education sector workers & eligible family. | 13 Jul 2026 (wks free); 31 Jul 2026 (waiver) |
| TUH (Transport & Utilities Health) | Merged into Teachers Health (1 Jul 2025). New-member offer: 6 weeks free (code: SIX) + extras waits waived via teachershealth.com.au. $100 eGift refer-a-friend (ongoing). RESTRICTED: transport/utilities industry. | 13 Jul 2026 (weeks free) |
| Westfund Health Insurance | 6 weeks free + waived 2-month extras waiting periods (code: TAXTIME26) on combined hospital & extras. New members, no prior Westfund cover in 12 months, direct debit required. | 20 Jul 2026 |
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