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Health insurance deals: May 2025
| Provider | Deal | How to get it | Expiry |
|---|---|---|---|
| Australian Unity | Get eight weeks of free cover on either combined hospital and extras plans or extras only plans. For combined policy buyers, you may also get two-month or optical waiting periods waived. | Sign up as a new member (no Australian Unity policies held within 90 days of joining) to an eligible combined hospital and extras or extras only product and maintain your cover for 60 continuous days. | 31 July 2025 |
| NIB | Get ten weeks of free cover on combined hospital and extras cover or six weeks for extras only policies. | Sign up for an eligible combined hospital and extras product and maintain your cover continuously up to 30 July 2025 (if purchased in May) or 27 August 2025 (if purchased in June). | 30 June 2025 |
| Peoplecare | Get six weeks of free cover on hospital and extras plans. | Sign up as a new member (no Peoplecare policies held within 12 months of joining) 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.
