Health Insurance deals and offers in May 2026
Health insurance deals typically come in the form of a few weeks free on your cover or as cashback on premiums. They’re designed to attract new members, help keep the 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 eight weeks free when you take out eligible cover by 28 May 2026.
ahm
Get 12 weeks free and skip the two- and six-month waiting periods on extras when you take out an eligible policy using the promo code 12WFREEWW.
New customers can also receive up to eight weeks free on eligible extras policies using the code EXTRAS8WF. Both offers end 30 June 2026.
AIA
Get four weeks free when you take out an eligible policy by 31 May 2026. AIA says it will also donate two weeks worth of premiums towards Breast and Ovarian Cancer Research as part of your sign-up.
Apia
Get eight weeks free when you take out eligible cover by 28 May 2026.
Australian Seniors
Get nine weeks free when you take out eligible cover by 30 June 2026.
Bupa
Get up to eight weeks free and skip the two- and six-month waiting periods on extras when you take out an eligible policy using the promo code 8WEEKSFREE.
Otherwise, you could earn up to 135,000 Everyday Rewards points when you take out an eligible policy using the promo code REWARDS135. Both offers end 13 May 2026 and cannot be combined.
HBF
Get up to 12 weeks free and a gift card worth up to $200, plus skip the waiting periods on certain extras, when you take out an eligible policy by 12 May 2026.
HCF
Earn up to 130,000 Flybuys points when you take out an eligible policy. You can also earn 15x Flybuys points on Bunnings, Coles, and Officeworks shops for two months (up to 20,000 points per partner).
HIF
Get up to 10 weeks free and have no two-month waiting periods on extras when you take out an eligible policy by using the promo code HIF6x4w4w. Offers end 30 June 2026.
Health Partners
Get eight weeks free and instant access to selected extras when you take out eligible cover by 31 May 2026. 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 nine weeks free when you take out an eligible policy by 28 May 2026.
Medibank
Get 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 up to 12 weeks free and skip the two- and six-month waiting periods on extras when you take out an eligible policy by 30 June 2026.
Phoenix Health Fund
Get your second month free when you take out eligible cover.
Otherwise, 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. 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 180,000 Qantas Points when you take out an eligible policy by 11 May 2026.
Queensland Country Health Fund
Get up to 12 weeks free when you take out eligible cover by 30 April 2026.
Real Insurance
Get six weeks free when you take out an eligible policy by 30 June 2026.
Suncorp
Get eight weeks free when you take out eligible cover by 28 May 2026.
Westfund
Get eight weeks free when you take out an eligible policy using the promo code JOINWF26. Offer ends 3 May 2026.
Otherwise, if your friend is already a member and refers you, you’ll each receive up to a $200 eGift Card when you sign up for an eligible policy. Offer ends 29 June 2026.
Source: All offers are based on advertised online promotions on each provider’s website on 1 May 2026. 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 health insurer with our Most Satisfied Customers Award: Health Insurer.
