Health insurance deals: May 2026
| Provider | Deal | How to get it | Expiry |
|---|---|---|---|
| Australian Unity | Get eight weeks of free cover on combined hospital and extras policies. | Sign up as a new member to an eligible mix'n'match or combined hospital and extras product and maintain your cover for 60 continuous days from policy purchase to receive the first six weeks and 12 continuous months for the other two. New is defined as not holding an Australian Unity policy in the 90 days prior to taking out the policy. | 30 June 2026 |
| nib | Get eight weeks of free cover and two and six-month extras waiting periods waived on combined hospital and extras policies. | Sign up for an eligible combined hospital and extras Australian resident's product as a new customer (no nib or nib-issued products held or cancelled six months before or during the offer period) and maintain cover until 29 July 2026. | 31 May 2026 |
| HCF | Get two-month extras waiting periods waived on combined hospital and extras policies. | Sign up for an eligible combined hospital and extras product as a new customer (no HCF or RT Health products held two months before taking up the policy offer or received any promotional discount on one of these products within 12 months). | 30 June 2026 |
| see-u by HBF | Get six weeks of free cover and two and six-month extras waiting periods waived on combined hospital and extras policies. | Sign up for an eligible combined hospital and extras product as a new customer (no see-u by HBF products held or promotions received within 18 months of taking up the policy offer) and maintain cover for eight continuous weeks to receive the first four weeks of free cover. The remaining two weeks will be applied in the 13th month of continuous cover. | 26 July 2026 |
| Deals listed above are offers available currently through the insurers on Compare Club's panel. Savvy is partnered with Compare Club to bring you fast and simple health insurance comparisons. We don't compare all offers or providers on the market. | |||
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.
