Health Insurance deals and offers in December 2025
Health insurance deals generally come in the form of a certain amount of free weeks of coverage or a cashback on premiums. These deals help keep the health insurance industry competitive and can potentially save you hundreds of dollars on your premiums.
Looking to switch providers or take out health insurance for the first time? Here’s a selection of current health insurance deals and sign-up offers for hospital and extras cover for new eligible members from providers rated by Canstar. Some deals may be state or territory specific, so it’s important to check the terms and conditions of each offer to see how they apply and if you’re eligible.
AAMI
Get six weeks free and skip the two and six-month waiting periods on extras when you take out cover by 16 February 2026.
ahm
Get six weeks free on eligible hospital and extras cover with the promo code 6WFHE.
AIA
AIA is offering a 5% discount on the first year’s premium for eligible policies if you download and join the AIA Vitality app. AIA Vitality is AIA’s health and wellbeing program. You can keep this discount if you reach AIA Vitality Silver status.
Apia
Get six weeks free and skip the two and six-month waiting periods on extras when you take out cover by 16 February 2026.
Astute Simplicity Health
Get six weeks free and skip the two, three and six-month waiting periods on extras when you take out cover by 31 December 2025.
Australian Seniors
Get six weeks free when you take out a policy by 3 February 2026.
Australian Unity
Get up to 10 weeks free when you purchase cover over the phone or online by 2 February 2026.
Bupa
Get up to six weeks free using the promo code 6WEEKSFREE. Offer ends 7 January 2025.
Bupa has also partnered with Everyday Rewards to offer up to 135,000 points when using the promo code REWARDS135. Offer ends 31 January 2026. This offer cannot be combined with any other offer.
Frank Health Insurance
Get six weeks free, plus skip the two and six-month waiting periods on extras when you take out a combined policy.
GMHBA
Get one month free, plus skip the two and six-month waiting periods on extras when you take out a combined policy.
HBF
Get up to eight weeks free when you take out a policy by 13 January 2026.
HCF
Get up to 150,000 Flybuys points when you join and stay on eligible HCF cover for at least 11 months. Offer ends 18 January 2026.
HIF
Get 10 weeks free over 13 months and have no two-month waiting periods on extras by using the promo code HIF6X4W before 31 January 2026.
Health Partners
Get eight weeks free and instant access to selected extras when you take out cover by 31 December 2025. Use the promo code 8WFREE when joining.
Hunter Health Insurance
If your friend is already a member and refers you, Hunter Health Insurance will waive the usual two and six-month waiting periods on extras for your policy.
ING
Get seven weeks free and skip the two and six-month waiting periods on extras when you take out cover by 19 January 2026.
Medibank
Get up to six weeks free on eligible policies plus 30,000 Live Better Points (couples and families) or 15,000 Live Better Points (singles and single parents) that can be redeemed for rewards like gift cards. Two and six-month waiting periods on extras will also be waived. Use the promo code 6WEEKSPLUS when joining.
nib
Get six weeks free and skip the two and six-month waiting periods on extras when you take out a policy online by 31 December 2025.
Phoenix Health Fund
Get your second month free when you take out cover. Also, if your friend is already a member and refers you, you’ll each receive a $150 digital gift card when you sign up for an eligible policy. This offer is available until further notice and applies to new members who have not been a member of Phoenix Health for at least six months prior to joining.
You must email Phoenix Health with your new membership number and the referring member's full name and membership number within 48 hours of completing your membership application to be eligible.
Qantas Insurance
Get up to 120,000 Qantas Points when you join by 5 February 2026.
Real Insurance
Get six weeks free when you take out an eligible policy by 3 March 2026.
See-u by HBF
Get up to six weeks free, as well as a gift card worth up to $400, when you take out an eligible combined policy. Offer ends 27 January 2026.
St. Lukes Health Insurance
If your friend is already a member and refers you, you’ll each receive a $100 gift card when you sign up for an eligible policy. Offer ends 8 February 2026.
Suncorp
Get six weeks free and skip the two and six-month waiting periods on extras when you take out cover by 16 February 2026.
Westfund
Get an eGift Card worth up to $600 when you take out an eligible policy using the promo code THRIVE26. Offer ends 31 January 2026.
Source: All offers are based on advertised online promotions on each provider’s website on 19 December 2025. Please note, conditions and exclusions may apply to these offers. Read all terms and conditions provided by the relevant health insurance provider before deciding whether to commit to a policy.
Are health insurance deals worth it?
They can be in certain circumstances, but it may not be worth choosing a health insurance provider based solely on an introductory deal or short-term discount. After all, while a gift card or a month of free cover may be handy, it could be a small token in terms of the overall cost and coverage provided by the policy.
Therefore, it’s important to consider the cost and quality of coverage alongside any sign-up deal or offer. You may find a policy that suits your needs that also happens to have a sign-up deal attached. It’s also worth reading any documentation, such as the Private Health Information Statement (PHIS) and Target Market Determination (TMD), for any policy you’re considering.
Other factors to consider when comparing health insurance
If you’re shopping around for health insurance, it’s important to look for the hospital and/or extras policy that’s right for you or your family’s needs, preferences and circumstances. You can compare health insurance with Canstar or you can book a call with one of our health insurance specialist to discuss your options.
You may also be interested in the winners of Canstar’s most recent Health Insurance Awards, and you can see how other Aussies feel about their provider with our Most Satisfied Customers Award: Health Insurer.
