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Health insurance deals: April 2025
| Provider | Deal | How to get it | Expiry |
|---|---|---|---|
| Australian Unity | Get up to six weeks of free cover on combined hospital and extras plans or extras only plans | Sign up as a new member to an eligible combined hospital and extras or extras only product and maintain your cover for 60 continuous days | 30 June 2025 |
| HCF | Get six weeks of free cover on hospital and extras plans and have two-month waiting periods on extras waived | Sign up as a new member to an eligible combined hospital and extras product and maintain your cover for 90 continuous days | 17 April 2025 |
| Latrobe Health | Get up to 12 weeks of free cover on hospital and extras plans | Sign up for an eligible combined hospital and extras product and maintain your cover continuously for six, 12 and 24 months (four weeks applied at each interval) | 30 April 2025 |
| NIB | Get six weeks of free cover on hospital and extras plans | Sign up for an eligible combined hospital and extras product and maintain your cover continuously up to 25 June 2025 | 30 April 2025 |
| Peoplecare | Get six weeks of free cover on hospital and extras plans | Sign up as a new member to an eligible combined hospital and extras product and maintain your cover for 60 continuous days | 30 June 2025 |
How should I compare health insurance deals?
There are plenty of factors you should consider when comparing the best available health cover deals on the market. Here’s what you should be looking out for:
- Analyse the conditions on free cover incentives: deals like these could save you hundreds of dollars in your first year or two of coverage. However, you won’t usually receive it straight away. Make sure you check how long it takes for the premium waiver to kick in.
- Look out for waiting period waivers: another sign-up offer you might see is the removal of certain waiting periods on extras treatments. These can be restricted to two-month wait periods or can reach up to six. If you need extras treatments in the near future, this could help you out.
- Weigh up the overall cost: crunch the numbers before you buy your plan. Those six weeks of free cover might sound nice, but make sure you aren’t paying more overall with higher premiums.
- Make sure you don’t reset waiting periods: there may be situations where switching cover or provider resets your waiting periods on certain treatments. Double-check that it won’t happen but if it does and you still want to go ahead, make sure the saving is worth it.
- Consider whether added bonuses are worth it: things like free ambulance cover, additional health support and rewards programs can all be great additions and add value. Before you sign up, though, think about how much value they really bring and if they’re worth it.
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The types of health insurance
Common questions about health insurance deals
There’s no simple answer to this question. It depends on the type of health insurance you're after and your family structure. For this reason, it’s important to compare like-for-like policies to make sure you’re getting the best deal that’s right for your individual needs.
Some health funds do offer discounts for customers who pay their premiums by direct debit. These discounts may range from a 2.00% to 4.00% reduction simply by using this payment method.
The two types of health insurance policies designed for foreign students and visitors are Overseas Visitors Health Cover (OVHC) and Overseas Students Health Cover (OSHC). Sign-up deals aren’t common for these insurance products, but it’s still important to compare your options before you apply.
Helpful guides on health insurance
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Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.
Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
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