Health insurance deals September 2026: up to 12 weeks free from HBF, Medibank and more
Did you know that the majority of Australians are overpaying on their health insurance? It comes down to one habit: not switching.
Finder's 2026 Health Report found 83% of people stayed with the same fund even after premiums rose by an average of 4.41% in April.
Switching funds is easier than most expect, plus a handful of funds are offering serious sign-up deals.
Here are the best health insurance deals available in September 2026.
Biggest offer
Up to 12 weeks free
HBF. Get up to 12 weeks free and up to $200 in gift cards, plus waived waiting periods on eligible extras. For new members who join and maintain hospital and extras cover. T&Cs apply.
Ends 20 October 2026
Up to 10 weeks free
Medibank. New members can get up to 10 weeks free when they join and maintain eligible hospital and extras cover. T&Cs apply.
Ending soon
Up to 8 weeks free
Bupa. Get up to 8 weeks free, plus 2 and 6 month waits waived on eligible extras cover. For new members only. T&Cs apply.
Ends 9 September 2026
Up to 6 weeks free + up to $250 in gift cards
see-u by HBF. Get up to 6 weeks free, plus your choice of up to $250 in gift cards or waived waiting periods on eligible extras. For new members who join and maintain eligible hospital and extras cover. T&Cs apply.
Ends 1 November 2026
Get 6 weeks free
ahm. For new joins on eligible combined hospital and extras cover. T&Cs apply.
Get 6 weeks free
Frank. Get 6 weeks free and skip 2 month waits on extras when you buy combined hospital and extras cover and pay by direct debit. T&Cs apply.
Ends 24 September 2026
Switching health funds is easier than you think
If you're put off by the hassle of switching health insurers, don't be. Switching is mostly handled by your new fund, and you won't lose any waiting periods you've already served, as long as you move to an equivalent level of cover.
Once you apply with the new fund online and give them permission to request your clearance certificate (which shows your cover history and the waiting periods you've served), your old policy is then usually cancelled automatically once the new fund has what it needs.
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