EOFY health insurance deals: the best offers to grab before June 30
Key takeaways
- Health insurers have kicked off the month with a brand new set of EOFY health insurance deals to entice new customers.
- If you're a high-income earner or approaching 31, taking out hospital cover before the end of June helps you avoid the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) loading
- What’s next: Check out some of the current offers and purchase a new policy before June 30.
The end of the financial year is one of the best times to take out or switch your health insurance.
Every year around EOFY, a wave of limited-time deals, bonus offers and exclusive rewards hit the market, making it the perfect window to lock in better cover and get something back in the process.
We've rounded up every health insurance deal worth knowing about right now, with the best ones flagged so you don't have to do the hard work yourself.
Qantas Health Insurance
If you’re a Qantas Points fanatic, you’ll want to check out the last offer from Qantas Health Insurance.
- Earn 200,000 Qantas Points over 15 months: When you join an eligible combined policy by 30 June. The more comprehensive your cover, the more points you'll earn. Points are awarded based on your level of cover over 15 months. T&Cs apply.
- Plus, skip 2 and 6-month waiting periods on Extras with combined Hospital and Extras cover.
Why it's a hot deal: If you’ve been building your points stash for your next holiday, this deal may give you the boost you need to hit your goal.
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, waits waived and even 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 to stack up to 14 weeks free onto your new policy.
Why it's a hot deal: Whether you’ve got a big purchase coming up or you need to take care of a big bill, who can say no to a juicy gift card offer?
Medibank
Medibank also has an exclusive reward with Finder running until June 30, paired with its own pool of rewards.
- Get $300 from Finder: When you purchase an eligible Medibank combined health insurance policy.
- Eligible new members may also be able to 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 promo code 12WEEKSPLUS).
Why it's a hot deal: It’s a win-win for new members, as they’ll receive $300 from Finder, plus the chance to stack additional perks from Medibank just for making the switch or taking out cover for the first time.
Bupa
Bupa regularly has deals for new customers considering combined or hospital-only cover.
- Get up to 12 weeks free + 2 and 6 month waits waived: On eligible cover. Ends 10 Jun 2026. T&Cs apply.
Why it's a hot deal: A decent free cover period from a well-known insurer, plus the flexibility to have waits waived gives you access to benefits sooner.
see-u
Backed by HBF, see-u delivers big on providing affordable policies to Aussies seeking cover for everyday healthcare.
- Unlock up to 8 weeks free: When you purchase an eligible hospital and extras cover.
- Get up to $400 in gift cards and waived waiting periods: On eligible extras when you take out eligible hospital and extras cover. T&Cs apply.
Why it’s a hot deal: see-u’s deal for new customers provides immediate financial benefits through free cover and gift cards, while also waiving waiting periods so you can start claiming sooner.
What to know before signing up to a health insurance deal
While promotional offers can be enticing, it's important to choose a policy that truly aligns with your needs. Don't let a deal drive your decision if the underlying coverage isn't the right fit. Keep these considerations in mind:
- Coverage first: Make sure the policy includes the services and treatments you're most likely to use and need.
- Ongoing costs: Evaluate whether the regular premiums remain affordable once any introductory period expires.
- Waiting periods: If you're switching providers, any waiting periods you've already completed will typically carry over, provided you're moving to an equivalent or higher level of cover.
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