Our experts have found great health insurance offers

It’s down to our top four picks, which one is your favourite? 

Our experts have found great health insurance offers

It’s down to our top four picks,   which one is your favourite? 

This article is opinion only and should not be taken as medical or financial advice. Check with a financial professional before making any decisions.

¹ You have been offered the HCF eight weeks free Offer through Compare Club and you have agreed to accept the Offer on these terms and conditions. 2. To be eligible to receive the eight weeks free offer (Offer) you must be a new HCF member who joins eligible combined hospital & extras cover between 25 March 2024 00:00 AEST and 30 June 2024 23:59 AEST (Offer period). Excludes Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover. Your cover must start during the Offer period, and you must not have been an HCF member 2 months prior to taking out the Offer. You must pay your first months' premium and maintain your policy for 1 month which will entitle you to have the date your policy is paid to extended by six weeks; and after 12 months from the date you join us, you will be entitled to have the date your policy is paid to extended by an additional two weeks. HCF may take up to six weeks to process each extension.

² These Terms and Conditions apply to the nib join Offer, which allows individuals to join and receive “6 Weeks free” (Offer). The Promoter of this Offer is Health Insurance Comparison Choosewell Pty Ltd ACN 621 342 667 of Level 2, 570 St Kilda Road, Melbourne VIC 3004 (Promoter), and by joining, claimants agree to be bound by these conditions. The Offer commences at 12:00 am (AEST) on 1 MAY 2024 and closes at 11.59 pm (AEST) on 31 MAY 2024 (Offer Period). Policies joined after 11.59 pm (AEST) on 31 MAY 2024 will not be eligible for the Offer. This Offer is open only to Australian citizens, permanent residents of Australia, or those who are entitled to full reciprocal rights under Medicare, registered for Medicare, and listed on an active Medicare card, who are 18 years or over as at the date of joining (being the date of completion of join) (Eligible Members). The Offer is only available to Eligible Members who join an nib combined Hospital and Extras Australian resident’s health insurance product (nib ARHI product) through the promoter’s approved channels during the Offer Period (Eligible Product). The Offer does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Offer excludes any non-health related insurance products (e.g. Travel). nib may request proof of identity, residency, and eligibility to ensure the Eligible Member meets the Private Health Insurance requirements for the Eligible Product. For clarity, Eligible Members who join an Eligible Product (during the Offer Period), which has a policy start date outside of the Offer Period, can qualify for the Offer subject to their compliance with these Terms and Conditions (including, but not limited to, the Eligibility Requirements); and any other terms and conditions imposed by nib in relation to the selection of policy start dates. The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to 6 weeks of the annual premium. To receive the Offer, Eligible Members must successfully join an Eligible Product during the Offer Period through one of the promoter’s approved channels; maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 31 JULY 2024 (Fulfilment Date) and the Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date; not be a current policyholder of a product issued by nib (including nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance) at the time of joining the Eligible Product, or have cancelled any of these policies 6 months before or during the Offer Period; have a valid email address applied to their policy; and not be an employee of the Promoter (together the Eligibility Requirements). Limit of one Offer per Eligible Product commenced during the Offer Period. The Offer cannot be combined with any other offer or promotion except for nib’s “2 and 6 Month Waiver” offer. If an Eligible Member has satisfied the Eligibility Requirements, the Promoter will email the Eligible Member to confirm they have qualified for the Offer and that the adjustment of their “paid to” date on their policy has been adjusted to credit their policy in accordance with these Terms and Conditions. Each Eligible Member acknowledges that the Offer cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security. Subject to any rights any person has under any laws, the Promoter excludes all liability to the maximum extent allowed by law, for any loss or damage (including loss of opportunity, profits, or business) in relation to or resulting from any way in connection with this Offer. Nothing in these Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth). The Promoter may at any time, amend or withdraw all or any part of this Offer and substitute with another Offer of equal or greater value. Eligible Members will not be entitled to any compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value. The Promoter is not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings. The Promoter reserves the right to disqualify from receipt of the Offer any persons that provide false information or who seek to gain an unfair advantage or to manipulate this Offer. Personal information will be collected by the Promoter for the purpose of conducting and promoting this Offer, and to assist the Promoter to improve its services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy (at https://healthinsurancecomparison.com.au/privacy-policy). If the personal information is not provided, the member may not participate in this Offer.

3 Australian Unity: New members on new memberships only who commence a hospital and extras policy between 2 January & 30 June 2024. 6 weeks free applied after you’ve served 60 days of paid Australian Unity membership. ^ All other extras waiting periods still apply. All applicable hospital waiting periods still apply. Transferring members will have amounts claimed in 2024 on their previous cover taken into account in calculating their yearly limit for equivalent services. Offer valid only for new members on new memberships only (hospital & extras), which commence between 2 January & 30 June 2024.

⁴ To be an Eligible Customer, all of the following conditions must be met: The person joining is either: o new Peoplecare members, a former Peoplecare member who left the fund more than 12 months before the offer period commenced. Take out one of the following products: Hospital and Extras products (Combined Products) on single, single parent, single parent plus, couple or family or family plus cover. Take out an eligible product between 1st May 2024 and 30th June 2024. And policy commences by 30th June 2024. Peoplecare membership must be held for 60 continuous days and be financial prior to the 4 WEEKS FREE been applied to the membership. Peoplecare member must maintain the eligible Peoplecare health insurance policy for 13 consecutive months from the join date and be financial to be eligible to receive the subsequent 4 weeks. The membership must be current and paid up to date at the time the offer is being redeemed. Must pay their premiums by direct debit or credit from an account with a financial institution, such as a bank. The 2 and 6 month waiting periods on Extras will be waived from the join date. Yearly limits, other waiting periods, fund and policy rules apply. Exclusions: This offer is not valid for any of the following products: Hospital only products, Extras only products, Ambulance only products and Overseas Student Health Cover Extras. This offer is not valid with any other Peoplecare Discount or Promotion.

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CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326). The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Information found on the CompareClub website is for general purposes only. While we endeavour to provide information that is accurate and up to date, we make no warranties or representations about the accuracy, completeness, reliability or suitability of
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