What factors affect the cost of private health insurance?

The cost of private health insurance depends on a range of factors, including the type of policy, level of cover, who's on the policy, your age, location, income, and more. Each of these influences your premium in different ways.

Which is the cheapest health insurance in Australia?

The cheapest policies are often Basic Hospital or 'Basic – Accident Only' plans with limited coverage. The most affordable Extras policies usually cover basic services like general dental and optical with low annual limits. Always compare based on your needs.

How can I reduce the cost of private health insurance?

You can reduce your premium by: 1) Choosing a higher excess; 2) Selecting a fund with no-gap agreements; 3) Picking a provider with strong networks near you; 4) Switching funds for better deals; 5) Reviewing and tailoring your policy regularly to suit your changing needs.

How Much Does Private Health Insurance Cost in 2026?

How Much Does Private Health Insurance Cost?

The average premiums for Hospital cover range from $85 to $270 per month for singles and $174 to $542 for families. For Extras, singles pay $57 per month on average, while families pay $124.

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Our dedicated Health Insurance experts are here to help. Updated 8 Jan 2026.

How much is private health insurance?

The average private health insurance premiums in Australia are as follows:

Singles

$85–$270 per month for Hospital cover (depending on the tier), or $1,020–$3,240 per year.

$57 per month for Extras cover, or $684 per year.

Couples

$169–$525 per month for Hospital cover (depending on the tier), or $2,028–$6,300 per year.

$115 per month for Extras cover, or $1,380 per year.

Families

$174–$541 per month for Hospital cover (depending on the tier), or $2,088–$6,492 per year.

$124 per month for Extras cover, or $1,488 per year.

These ranges offer a general guide to what you might pay based on your household and cover type. Your actual premium will vary depending on your personal circumstances and where you live. Let's look at the average premiums across Australia.

Tier	Basic Hospital
National	$85
NSW	$92
VIC	$93
QLD	$96
SA	$90
WA	$73
TAS	$92
ACT	$90
NT	$52
Tier	Bronze Hospital
National	$100
NSW	$106
VIC	$112
QLD	$112
SA	$106
WA	$87
TAS	$110
ACT	$109
NT	$69
Tier	Silver Hospital
National	$169
NSW	$174
VIC	$187
QLD	$183
SA	$190
WA	$153
TAS	$175
ACT	$176
NT	$115
Tier	Gold Hospital
National	$270
NSW	$292
VIC	$315
QLD	$306
SA	$259
WA	$247
TAS	$278
ACT	$292
NT	$173
Tier	Extras cover
National	$57
NSW	$60
VIC	$58
QLD	$58
SA	$57
WA	$54
TAS	$54
ACT	$60
NT	$53

Tier	National	NSW	VIC	QLD	SA	WA	TAS	ACT	NT
Basic Hospital	$85	$92	$93	$96	$90	$73	$92	$90	$52
Bronze Hospital	$100	$106	$112	$112	$106	$87	$110	$109	$69
Silver Hospital	$169	$174	$187	$183	$190	$153	$175	$176	$115
Gold Hospital	$270	$292	$315	$306	$259	$247	$278	$292	$173
Extras cover	$57	$60	$58	$58	$57	$54	$54	$60	$53

Source: Privatehealth.gov.au. Average premiums are based on a single person aged 31-64 claiming the maximum government rebate for FY2025/26. Averages assume no lifetime health cover loading and no age-based discount. Always compare policies based on your personal circumstances.

Tier	Basic Hospital
National	$169
NSW	$184
VIC	$189
QLD	$192
SA	$170
WA	$147
TAS	$185
ACT	$184
NT	$104
Tier	Bronze Hospital
National	$208
NSW	$217
VIC	$236
QLD	$231
SA	$218
WA	$180
TAS	$225
ACT	$217
NT	$142
Tier	Silver Hospital
National	$339
NSW	354
VIC	$374
QLD	$368
SA	$340
WA	$318
TAS	$346
ACT	$354
NT	$255
Tier	Gold Hospital
National	$525
NSW	$566
VIC	$610
QLD	$593
SA	$503
WA	$480
TAS	$548
ACT	$566
NT	$337
Tier	Extras cover
National	$115
NSW	$120
VIC	$117
QLD	$115
SA	$127
WA	$116
TAS	$107
ACT	$120
NT	$101

Tier	National	NSW	VIC	QLD	SA	WA	TAS	ACT	NT
Basic Hospital	$169	$184	$189	$192	$170	$147	$185	$184	$104
Bronze Hospital	$208	$217	$236	$231	$218	$180	$225	$217	$142
Silver Hospital	$339	354	$374	$368	$340	$318	$346	$354	$255
Gold Hospital	$525	$566	$610	$593	$503	$480	$548	$566	$337
Extras cover	$115	$120	$117	$115	$127	$116	$107	$120	$101

Source: Privatehealth.gov.au. Average premiums are based on a couple with both partners aged 31-64 claiming the maximum government rebate for FY2025/26 based on household income. Averages assume no lifetime health cover loading and no age-based discount. Always compare policies based on your personal circumstances.

Tier	Basic Hospital
National	$174
NSW	$188
VIC	$192
QLD	$198
SA	$184
WA	$150
TAS	$187
ACT	$188
NT	$105
Tier	Bronze Hospital
National	$208
NSW	$215
VIC	$232
QLD	$236
SA	$221
WA	$175
TAS	$222
ACT	$215
NT	$151
Tier	Silver Hospital
National	$341
NSW	$357
VIC	$378
QLD	$371
SA	$341
WA	$322
TAS	$344
ACT	$357
NT	$263
Tier	Gold Hospital
National	$542
NSW	$579
VIC	$646
QLD	$607
SA	$526
WA	$501
TAS	$551
ACT	$579
NT	$346
Tier	Extras cover
National	$124
NSW	$130
VIC	$127
QLD	$124
SA	$126
WA	$120
TAS	$116
ACT	$130
NT	$109

Tier	National	NSW	VIC	QLD	SA	WA	TAS	ACT	NT
Basic Hospital	$174	$188	$192	$198	$184	$150	$187	$188	$105
Bronze Hospital	$208	$215	$232	$236	$221	$175	$222	$215	$151
Silver Hospital	$341	$357	$378	$371	$341	$322	$344	$357	$263
Gold Hospital	$542	$579	$646	$607	$526	$501	$551	$579	$346
Extras cover	$124	$130	$127	$124	$126	$120	$116	$130	$109

Source: Privatehealth.gov.au. Average premiums are based on a family of two adults with two dependent children under 18 years, claiming the maximum government rebate for FY2025/26 based on household income. Averages assume no lifetime health cover loading and no age-based discount. Always compare policies based on your personal circumstances.

A recent Money.com.au survey revealed that 80% of Australians without private health insurance see cost as the biggest barrier to getting cover. Among those who do have health insurance, 14% say their monthly premiums are the bills they dread most. Half of all respondents believe making private health insurance more affordable is one of the most urgent improvements needed in Australia’s healthcare system.

Here are the main factors that’ll influence what you pay for private health cover:

Type of policy (Hospital-only, Extras-only or both)

Hospital-only cover is usually more expensive than Extras-only. Choosing both increases your premium but gives broader coverage. The more comprehensive your cover, the more you’ll pay, but it can reduce your out-of-pocket costs when you need treatment.

Who’s on the policy?

Policies for couples, families or single parents generally cost more than singles cover because they include multiple people. Adding dependants increases premiums, though some insurers allow children to stay on a family policy up to the age of 31.

Level of cover

The tiered system – Basic, Bronze, Silver and Gold – applies to Hospital cover only, with each tier offering a broader range of services and higher premiums. Extras cover isn’t tiered but varies in cost depending on the number and type of services included (i.e. dental and optical).

Age

Health funds must charge the same premium regardless of age. However, people aged 18–29 may receive age-based discounts on eligible Hospital policies, while older Australians aged 65 and over may receive a higher private health insurance rebate if they meet the income thresholds.

Lifetime health cover (LHC) loading

If you take out Hospital cover after 1 July following your 31st birthday, a 2% loading is added to your premium for every year you delay. This Lifetime Health Cover (LHC) loading can increase your premium by up to 70% and lasts for 10 years.

Location

Health insurance prices can vary by state or territory. Some regions have higher hospital costs or more limited provider networks, which insurers factor into premiums. Metropolitan areas may have more competition, while rural areas might see higher prices for similar cover.

Excess

Choosing a higher excess – the amount you agree to pay when claiming – usually lowers your monthly premium. A lower excess gives you more cover upfront but increases your monthly premium. It's a trade-off between affordability and out-of-pocket expenses.

Provider networks

Some insurers have agreements with specific hospitals or Extras providers. Using in-network providers can reduce or eliminate out-of-pocket costs. Policies with broader or unrestricted provider access may come with higher premiums due to greater flexibility and convenience.

Sign-up offers

Many insurers offer discounts, waived waiting periods, or free weeks to attract new members. These sign-up deals can reduce your upfront costs, but most are time-limited and may not apply after the first few months or year of the policy.

Income

The private health insurance rebate reduces your premium if you earn under a certain income threshold. Higher-income earners receive a smaller rebate or none at all. The rebate is applied directly to your premium or claimed through your tax return.

We asked Australians whether they had increased their health insurance excess (co-payment) in the past 12 months to lower their premiums. Almost three-quarters of respondents (73.1%) said they kept their excess the same, while 16.6% increased it to make their premiums cheaper. Meanwhile, 10.3% reported that they didn’t know they could adjust their excess.

How the Private Health Insurance Rebate can reduce your costs

The Australian Government offers a private health insurance rebate to make premiums more affordable for eligible individuals and families. The rebate amount depends on your income, age and family status.

Below are the private health insurance rebate tiers for premiums paid between 1 July 2025 and 31 March 2026:

Single income	$101,000 or less
Rebate %	24.288% for under 65s 28.337% for ages 65-69 32.385% for ages 70+
Single income	101,001 - $118,000
Rebate %	16.192% for under 65s 20.240% for ages 65-69 24.288% for ages 70+
Single income	$118,001 - $158,000
Rebate %	8.095% for under 65s 12.143% for ages 65-69 16.192% for ages 70+
Single income	$158,001+
Rebate %	Not eligible

Single income	Rebate %
$101,000 or less	24.288% for under 65s 28.337% for ages 65-69 32.385% for ages 70+
101,001 - $118,000	16.192% for under 65s 20.240% for ages 65-69 24.288% for ages 70+
$118,001 - $158,000	8.095% for under 65s 12.143% for ages 65-69 16.192% for ages 70+
$158,001+	Not eligible

Family income	$202,000 or less
Rebate %	24.288% for under 65s 28.337% for ages 65-69 32.385% for ages 70+
Family income	$202,001 - $236,000
Rebate %	16.192% for under 65s 20.240% for ages 65-69 24.288% for ages 70+
Family income	$236,001 - $316,000
Rebate %	8.095% for under 65s 12.143% for ages 65-69 16.192% for ages 70+
Family income	$316,001+
Rebate %	Not eligible

Family income	Rebate %
$202,000 or less	24.288% for under 65s 28.337% for ages 65-69 32.385% for ages 70+
$202,001 - $236,000	16.192% for under 65s 20.240% for ages 65-69 24.288% for ages 70+
$236,001 - $316,000	8.095% for under 65s 12.143% for ages 65-69 16.192% for ages 70+
$316,001+	Not eligible

The cheapest private health insurance policies are generally Basic Hospital cover or “Basic – Accident Only” policies. These meet the legal requirements for private health cover but offer limited benefits – usually only covering treatment as a private patient after an accident or in a restricted range of services.

For Extras, the most affordable options are low-tier policies that cover only a small number of services, such as general dental, optical or physio. These plans typically come with lower annual limits and fewer inclusions, but they can suit people looking for minimal cover at a lower cost.

The table shows some of the cheapest health insurance policies from a range of health funds. Keep in mind the costs are for a couple in NSW earning $202,000 or less per year with a $750 excess.

Health fund	ahm
Hospital policy cost per month	Basic: $152.15 Bronze: $180.30 Silver (Plus): $231.65 Gold: $566.35
Extras policy cost per month	Low: $29.80 Mid: $65.85 Top: $192.60
Health fund	Frank Health Insurance
Hospital policy cost per month	Basic: $157.55 Bronze: $190.10 Silver: $242.20 Gold: $572.50
Extras policy cost per month	Low: $29.05 Mid: $71.05 Top: $221.05
Health fund	HBF
Hospital policy cost per month	Basic: $159.55 Bronze: $186.66 Silver: $259.60 Gold: $510.72
Extras policy cost per month	Low: $32.89 Mid: $73.14 Top: $235.29
Health fund	Medibank
Hospital policy cost per month	Basic: $159.75 Bronze: $186.25 Silver: $234.33 Gold: $535.21
Extras policy cost per month	Low: $48.76 Mid: $55.88 Top: $116.22
Health fund	Bupa
Hospital policy cost per month	Basic: $162.78 Bronze: $184.66 Silver: $231.75 Gold: $560.34
Extras policy cost per month	Low: $23.23 Mid: $71.85 Top: $274.23
Health fund	HCF
Hospital policy cost per month	Basic: $165.03 Bronze: $193.04 Silver: $240.47 Gold: $549.53
Extras policy cost per month	Low: $26.99 Mid: $72.59 Top: $167.65
Health fund	GMHBA
Hospital policy cost per month	Basic: $166.85 Bronze: $196.55 Silver: $245.35 Gold: $566.80
Extras policy cost per month	Low: $54.50 Mid: $91.75 Top: $159.00
Health fund	nib
Hospital policy cost per month	Basic: $170.59 Bronze: $188.70 Silver: $254.78 Gold: Only Silver Plus offered ($361.38)
Extras policy cost per month	Low: $30.05 Mid: $75.85 Top: $162.31
Health fund	Health Partners
Hospital policy cost per month	Basic: $176.17 Bronze: $209.92 Silver: $264.84 Gold: $577.36
Extras policy cost per month	Low: $95.54 Mid: $108.27 Top: $187.32
Health fund	HIF
Hospital policy cost per month	Basic: $185.19 Bronze: $212.30 Silver: $276.65 Gold: $562.77
Extras policy cost per month	Low: $53.83 Mid: $88.51 Top: $219.41

Health fund	Hospital policy cost per month	Extras policy cost per month
ahm	Basic: $152.15 Bronze: $180.30 Silver (Plus): $231.65 Gold: $566.35	Low: $29.80 Mid: $65.85 Top: $192.60
Frank Health Insurance	Basic: $157.55 Bronze: $190.10 Silver: $242.20 Gold: $572.50	Low: $29.05 Mid: $71.05 Top: $221.05
HBF	Basic: $159.55 Bronze: $186.66 Silver: $259.60 Gold: $510.72	Low: $32.89 Mid: $73.14 Top: $235.29
Medibank	Basic: $159.75 Bronze: $186.25 Silver: $234.33 Gold: $535.21	Low: $48.76 Mid: $55.88 Top: $116.22
Bupa	Basic: $162.78 Bronze: $184.66 Silver: $231.75 Gold: $560.34	Low: $23.23 Mid: $71.85 Top: $274.23
HCF	Basic: $165.03 Bronze: $193.04 Silver: $240.47 Gold: $549.53	Low: $26.99 Mid: $72.59 Top: $167.65
GMHBA	Basic: $166.85 Bronze: $196.55 Silver: $245.35 Gold: $566.80	Low: $54.50 Mid: $91.75 Top: $159.00
nib	Basic: $170.59 Bronze: $188.70 Silver: $254.78 Gold: Only Silver Plus offered ($361.38)	Low: $30.05 Mid: $75.85 Top: $162.31
Health Partners	Basic: $176.17 Bronze: $209.92 Silver: $264.84 Gold: $577.36	Low: $95.54 Mid: $108.27 Top: $187.32
HIF	Basic: $185.19 Bronze: $212.30 Silver: $276.65 Gold: $562.77	Low: $53.83 Mid: $88.51 Top: $219.41

Pricing is accurate as of 8 December 2025. Note, this cost comparison is a guide only, based on the criteria outlined above. We have chosen the lowest-cost Hospital policy from each provider, according to each tier (i.e. Basic, Bronze). In some cases price differences may reflect varying levels of cover (Low vs Mid vs Top Extras). Premiums include the maximum available government rebate, assume a $750 excess, no LCH loading or age-based discount and may include other special offers offered by the provider. These policies may not be suitable for you – please see the relevant Product Disclosure Statement to see what is covered. Not all providers in the market are reflected in the comparison. The table is sorted by the lowest Hospital premium.

According to the latest data from the Private Health Insurance Intermediaries Association (PHIIA), the average gross annual premium (GAP) for combined Hospital and Extras policies sold by its members rose by 1% to $4,309 (around $360 per month). This increase is well below the Federal Government’s reported industry-wide average of 3.73%, which took effect on 1 April 2025. The PHIIA report also noted that couples policies had the highest average premiums, followed by family, single parent, and singles policies.

Weighing up cost against cover

Chris Whitelaw General Manager Health Insurance Money.com.au

Chris Whitelaw, General Manager – Health Insurance at Money.com.au

“Cost is often the first thing people consider when choosing health insurance, but the true value comes from the balance between price and meaningful coverage. Paying a bit more in premiums can save significant expenses and stress down the track when unexpected health issues arise. You also need to consider the big moments in life – whether pregnancy is on the cards, a joint replacement, or cataract surgery.”

Chris Whitelaw, General Manager – Health Insurance at Money.com.au

The changing costs of health insurance – one family’s story

Money.com.au’s Senior Finance Writer, Jared Mullane, shares his personal experience with private health insurance premiums over the years.

Years ago, my partner and I had a couples policy covering both Hospital and Extras. Our main goal? To dodge the Medicare Levy Surcharge (MLS) and claim a few basic benefits on general dental and optical. Nothing fancy – just the essentials. Our premiums were pretty modest, around $160 a month.

Choose a higher excess
Choosing a higher excess – the amount you pay if you're admitted to hospital – can significantly reduce your monthly premium. Most health funds offer standard excess options such as $500 or $750 for singles (or up to $1,500 for couples and families). Just be sure to pick an amount you could comfortably afford to pay if you need to make a hospital claim.
Pick a health fund with “no-gap” arrangements
Some health funds have no-gap or known-gap schemes with certain doctors and hospitals. This means you won’t be left with unexpected out-of-pocket costs for in-hospital treatments, helping you get better value from your cover.
Look for funds with strong provider networks in your area
Choosing a health fund with a wide network of hospitals and Extras providers near you can mean no or low gap fees – especially for common services like dental, physio and optical.
Don’t be afraid to switch funds
If your current policy no longer meets your needs or seems too expensive, shop around. Many funds offer sign-up deals, and switching is easier than most people think. Plus, you won’t have to re-serve waiting periods for the same level of cover.
Review and tailor your policy regularly
Your health needs change over time, and so should your cover. Remove any Extras or Hospital services you no longer need, or downgrade tiers if you’re no longer using high-level cover – it could save you hundreds each year.

More health insurance price FAQs

What is the average cost of private health insurance?

On average, singles pay $84.80–$270.26 per month for Hospital cover and $56.92 for Extras. Couples spend $169.25–$525.20 on Hospital cover and $115.05 on Extras, while families pay $174.23–$541.52 for Hospital cover and $123.69 for Extras, according to Money.com.au analysis.

The excludes the likes of Overseas Visitor Health Insurance, which is generally a more expensive form of cover that's required for some visas issues by the Australian Government.

Which state has the cheapest health insurance?

On average, the Northern Territory has the lowest health insurance premiums in Australia across all tiers of Hospital cover (Basic, Bronze, Silver and Gold) as well as Extras policies. This is based on Money.com.au analysis of Privatehealth.gov.au data, which shows consistently cheaper premiums in the NT compared to other states and territories.

Is private health insurance tax-deductible in Australia?

Private health insurance premiums aren’t tax-deductible in Australia, but you may be eligible for a government rebate based on your income, age, and family status. This rebate can be applied as a discount on your premiums or claimed through your annual tax return.

Having eligible Hospital cover can also help you avoid the Medicare Levy Surcharge (MLS) – an extra tax of up to 1.5% of your income if you earn above a certain threshold and don’t have private hospital insurance. So while it’s not directly deductible, private health insurance can reduce your overall tax burden.

Why do premiums increase every year?

Premiums rise annually due to increasing healthcare costs, including medical technology, wages and the number of claims being made. Insurers adjust prices to continue covering these rising expenses.

Can I pause my private health insurance to save money?

Some health funds like Bupa allow you to temporarily suspend your policy, but only under specific circumstances – such as travelling overseas or experiencing financial hardship. This can help you save on premiums, but there are important conditions to be aware of.

To be eligible, you typically need to have held your cover for at least 12 months and be up to date with your payments. While your policy is suspended, you won’t pay premiums, but you also won’t be covered for any treatments or claims. You’ll also temporarily lose access to member benefits and online services.

Be aware: If your Hospital cover is suspended, you may be liable for the Medicare Levy Surcharge (MLS) during that period – which could increase your tax bill if you’re a higher-income earner.

Importantly, if you've already served your waiting periods, you won’t need to re-serve them when your cover resumes. However, if you were mid-way through a waiting period, the countdown will simply pause and continue once your cover restarts.

Always check with your health fund for their specific rules and conditions before pausing your policy.

How do waiting periods affect the cost of health insurance?

Waiting periods don’t change your premium, but they affect when you can claim. Choosing a policy with waived waiting periods (often offered in sign-up deals) can add value and reduce early out-of-pocket costs.

Is it cheaper to pay private health insurance annually or monthly?

In most cases, the total cost is the same whether you pay weekly, fortnightly, monthly, quarterly or annually. However, some insurers may offer minor incentives for certain payment methods, such as direct debit.

That said, many Australians choose to pay annually before 1 April, when health insurers typically increase their premiums. By prepaying for 12 months in advance, you can lock in the current premium and avoid the price hike – potentially saving money over the year.

Do I need Extras cover, or is Hospital cover enough?

Extras cover can help reduce out-of-pocket costs for out-of-hospital services like dental, physio and optical. Whether it’s worth it depends on how often you use those services and how much you're claiming.

How much can I expect to pay out of pocket with private health insurance?

Even with cover, you may still have to pay for things like hospital excesses, specialist gaps, or services not included in your policy. Choosing a fund with no-gap arrangements can help minimise these costs.

Important information

General information only

The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any product is suitable for you and seek independent advice if necessary.

We do not compare all health insurance providers and products available in Australia and we do not guarantee that our product comparisons include all product features and attributes relevant to you.

In providing general information on this page, we are not providing you with a recommendation or suggestion about a particular product. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.

However, when a customer requests that we contact them regarding health insurance, after being on the Money.com.au website, we will take the information they provide into account when providing the customer with a range of health insurance product options.

How we provide personalised health insurance comparisons

We have partnered with The ItsMy Group (ABN 85 167 289 965) to form our panel of health insurance providers. If a Money.com.au insurance advisor helps you find a more suitable product and you join that health insurer, IMG receive a payment from that fund, which they pass on to us. This is normally a one-off fee but it can also be paid in increments over time.

There is no charge to consumers to use the service, and any payment we receive does not change the price you pay for the product. Our health insurance advisors do not know how much we are paid by the fund they recommend.

Both Money.com.au and The ItsMy Group are members of the Private Health Insurance Intermediaries Association (“PHIIA”) and are have signed up to the PHIIA Code of Conduct.

Which brands do we compare?

Our customers have access to offers from a range of health insurance partners:

AHM

AIA Health

Australian Unity

Australian Seniors

Bupa

Frank Health Insurance

GMHBA

HCF

Health Care Insurance

Health Partners

HIF

Hunter Health Insurance

Navy Health

NIB

Peoplecare

Phoenix Health

Real Insurance

RT Health

Seniors Health

Teachers Health

TUH Health Fund

Union Health

Please note, we do not compare all health funds in the market, or all policies from our partner funds, and at times certain funds or products might be unavailable.

Dispute Resolution and Complaints

At Money.com.au, we aim to provide you with the highest level of service, but we also understand that occasionally you may not be 100% happy with us. If that’s the case, you can let us know by emailing us at support@money.com.au

If we can’t resolve your issue immediately, a senior manager will respond to you at the latest by the next business day from receipt of your enquiry. If we are still unable to resolve the matter within three days, it will be escalated to the attention of the CEO.

You could also contact your health fund or the Private Health Insurance Ombudsman’s office (PHIO):

For general information about private health insurance, see https://www.privatehealth.gov.au/

To make a complaint, contact the Commonwealth Ombudsman at www.ombudsman.gov.au

Speak to a Health Expert

Our Australian-based call centre is open weekdays between 9am and 5pm (AEST) with our team of experts ready to help!

You can reach us on 1300 001 359 or (02) 8528 1995.

*Bupa 8 weeks free offer

1. The Offer All Eligible Customers (see section 2 below) will receive from Bupa HI Pty Ltd (ABN 81 000 057 590) (Bupa): a) 8 weeks free health insurance (6 weeks free in year 1 plus 2 weeks free in year 2) on the following terms and conditions. i. In most cases, your 6 weeks free will be applied 28 days after you join, extending the date you're "paid to". The remaining 2 weeks are applied once you've held eligible cover for 13 months, extending the date that billing cycle is "paid to". ii. If your weeks free period ends before your next direct debit date, we may take a smaller-than-usual payment to make up the difference. iii. If you pay yearly, your first payment will be reduced by the value of 6 weeks. Your second yearly payment will be reduced by the value of the remaining 2 weeks free.

2. Eligibility An eligible customer must: a) not have held Bupa Health Insurance in the last 60 days prior to join date b) join through The ItsMy Group Pty Ltd (ABN 85 167 289 965); c) be an Australian resident over the age of 18; d) take out an Eligible Bupa Health Insurance Policy (see section 3 below) between 08/01/2026 and 11/02/2026 and such policy must commence by 11/03/2026, maintain that cover and meet all payment obligations for 28 consecutive days from the join date and be financial to receive the 6 weeks free offer, with the payment value of the free weeks to be calculated on the level of cover at the time the payment is made; e) maintain cover for 13 consecutive months from the join date and be financial to be eligible to receive the subsequent 2 weeks free offer, with the payment value of the free weeks to be calculated on the level of cover at the time the payment is made; f) pay their health insurance premiums by direct debit; and g) provide a valid email address. If they meet all of the eligibility criteria above, they are an Eligible Customer.

3. Eligible Bupa Health Insurance Policy An Eligible Bupa Health Insurance Policy is a combined domestic Hospital and Extras product or packaged product issued by Bupa and available through The ItsMy Group Pty Ltd but excludes any hospital product when combined with Freedom 50 and Freedom 60 Extras products (Freedom 60 Boost is included in this offer).

4. General a) Yearly limits, waiting periods, benefit claiming restrictions, fund and policy rules apply. b) The Offer is not available with any other Bupa promotional join offer provided by Bupa. c) If you do not satisfy these terms and conditions before becoming entitled to the Offer then Bupa may elect, acting reasonably, not to award you with the Offer. If Bupa discovers that you did not satisfy these terms and conditions after the Offer has been awarded, then Bupa may decide, acting reasonably, to remove the Offer. d) Bupa reserves the right to end, change or extend this offer at any time. e) Bupa is not liable for any loss or damage suffered because of this promotion (except that which cannot be excluded by law). f) The Offer is not available to any customers attached to a corporate group including employees [or contractors] of Bupa, or any other Bupa Group company.

§Australian Unity FY26 Q2 Acquisition Offer “Eight Weeks Free” 5 Jan – 31 Mar 2026

Offer

Get 8 (6+2) weeks free when you purchase hospital and extras cover. Not available for extras only. No extras waiver. Offer period

Start Date: 5 Jan 2026

End Date: 31 Mar 2026

Eligibility Criteria

Customers must:

Purchase Australian Unity mix’n’match or combined hospital and extras cover.

Via an aggregator or comparator call centres/websites.

Join between 5 Jan and 31 Mar 2026 where the policies purchased have a commencement date between 5 Jan and 31 Mar 2026

Are new members on new memberships who have not previously held Australian Unity health insurance within 90 days of joining.

Complete 60 days of continuous paid membership (within the first 60 days of membership) before being eligible for 8 weeks free.

Member must be financial and not in arrears or be suspended for a period during the first 60 days of membership to receive the 8 weeks free

For UCA sales, refer to T&Cs for extended date range, sale must be processed on or before 31 March 2026

Note: This offer is not available:

to members who have held health cover with Australian Unity in the 90 days prior to 5 Jan 2026. - to new members who purchase extras only, hospital-only cover or Overseas Visitors Cover.

to dependants who come off their parent’s policy and take out hospital and extras cover within 90 days will not be eligible for this offer. However, they will be eligible for a separate offer if they join within 30 days, refer to the details here.

to Australian Unity staff;

Fulfilment of Eight Weeks Free

Customers need to meet all eligibility criteria as outlined above

The offer will be fulfilled as 6 weeks applied in the first year of membership, and a final two weeks applied in the first month after their first anniversary

Customers need to complete 60 days of continuous paid Australian Unity membership before the initial six weeks offer will be applied to the new member’s policy. Customers need to complete 12 months of continuous paid Australian Unity membership before the final two weeks offer will be applied to their policy

The initial six weeks free offer is applied to each eligible policy by advancing the date it is paid up to, ie moving it forward six weeks. The subsequent and final two weeks free offer is applied to each eligible policy by advancing the date it is paid up to, ie moving it forward two weeks

The six weeks free offer will then be applied within 30 days of completing the 60 days of paid membership due to data and processing time. Note, it won’t be applied on the 61st day, it can take up to 90 days from joining date for the weeks free to be applied, provided the member has maintained payment during that time. Please ensure this is clearly communicated to customers. Similarly, the subsequent and final two weeks free offer will be applied within 30 days of completing 12 months of paid membership due to data and processing time.

Refer to terms and conditions for full information.

Terms and Conditions

(Available at www.australianunity.com.au/aggregator-terms-and-conditions)

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (5 Jan – 31 March 2026)

This offer only applies: a. to people who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product); i. through an aggregator or comparator call centre/website; ii. between 5 Jan and 31 Mar 2026 where the policies purchased have a commencement date between 5 Jan and 31 Mar 2026; and iii. who are new members on new memberships (who have not previously held Australian Unity health insurance within 90 days of joining); or b. to members who purchase Australian Unity hospital & extras cover (either a combined product or a hospital product and an extras product) i. through iSelect’s or Health Insurance Comparison (HIC)’s or It’s My Health’s or HealthDeal’s referral program; ii. have a referral date (i.e. the date the sale was processed by iSelect/ HIC /It’s My Health/ HealthDeal) no later than 31 March 2026 and a start date no later than 17 April 2026; and iii. who are new members on new memberships (who have not previously held Australian Unity health insurance within 90 days of joining).

After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 8 (6+2) weeks free on their eligible cover. Limit of one 8 (6+2) weeks free offer per membership. 3. This promotion is not available: a. to members who purchase through either: the Australian Unity call centre; the Australian Unity website; Australian Unity Partnerships (phone and online portals); b. to members who take out hospital only cover, extras only cover, or Overseas Visitors Cover; c. To members who purchase via an aggregator or comparator (call centre/website) and then switch to an Australian Unity corporate partnership discount d. to Australian Unity staff; e. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here

The 8 weeks free will be applied over 13 months: a. 6 weeks free will be applied to the membership after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date: i. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are: in arrears; or suspended. ii. The 6 weeks free offer is applied to your policy by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership. iii. The offer will be forfeited if member has changed cover within the first 60 days to hospital only cover, extras only cover or Overseas Visitors Cover. iv. The offer will be forfeited if member has changed to a product that has a corporate partnership discount in first 60 days of membership. b. Additional 2 weeks free will be applied to the membership if, at 365 days, the policy remains as hospital and extras cover and the policy is paid up to date i. The 2 weeks free offer is applied to your policy by advancing the date you are paid up to; i.e. moving it forward 2 weeks. The 2 weeks free will be applied to policies within 30 days after completing 365 days of paid membership. ii. The offer will be forfeited if member is no longer an active policyholder on the fulfilment date. iii. The offer will be forfeited if member has changed cover within the first 365 days to hospital only cover, extras only cover or Overseas Visitors Cover. iv. The offer will be forfeited if member has changed to a corporate partnership discount between day 61 – day 395 of membership.

This offer is not available in conjunction with any other retail offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.

This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/aggregator-terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

†NIB offer: “2 and 6 Month Waiver”

These Terms and Conditions apply tovthe nib join Offer, to join and receive a “2 and 6 Month Waiver” (Waiver).

The Promoter of this Waiver is ItsMy Group Pty Ltd ABN 85 167 289 965 of 10/1 Middle Road, Malvern East, VIC 3145 (Promoter). By joining, claimants agree to be bound by these conditions.

The Waiver commences at 12:00 am (AEDT) on 01 NOVEMBER 2025 and shall remain available unless nib amends, withdraws, cancels or suspends the Waiver in accordance with these Terms and Conditions.

The Waiver 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 Waiver 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 Waiver Period (Eligible Product). The Waiver 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 Waiver 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 Waiver Period), which has a policy start date outside of the Waiver Period, can qualify for the Waiver 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 Waiver consists of waiving the 2-months and 6-months waiting periods for Eligible Members on all Extras services that normally require a 2-month or 6-month waiting period under the relevant Eligible Product.

To receive the Waiver, Eligible Members must: (a) successfully join an Eligible Product during the Waiver Period through one of the promoter’s approved channels. Ineligible products include Basic Kickstarter, Basic Accident Hospital and Value Extras; (b) 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 Waiver Period; (c) have a valid email address applied to their policy; and (d) not be an employee of the Promoter (together the Eligibility Requirements).

The Waiver cannot be combined with any other offer or promotion unless otherwise stated.

The Promotor will apply the Waiver at the policy start date of the Eligible Product. The Waiver becomes effective for claims only once the first premium payment has been successfully processed and the policy is deemed financial. Until the policy is financial, the Waiver will not apply to any claims.

Each Eligible Member acknowledges that the Waiver 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 Waiver. • Nothing in these 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 Waiver and substitute with another Offer of equal or greater value. Eligible Members will not be entitled to any compensation in the event that the Waiver or element of the Waiver has been substituted at equal or greater value.

The Promoter reserves the right to disqualify any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Waiver. 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. • Personal information will be collected by the Promoter for the purpose of conducting and promoting this Waiver, and to assist the Promoter to improve its services. By receiving this Waiver, an Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy (at https://www.itsmyhealthinsurance.c om.au/privacy). If the personal information is not provided, the member may not participate in this Waiver.

^HIF Offer: No 2-Month Waits on Extras

The promoter is Health Insurance Fund of Australia Limited ACN 128 302 161 of 100 Stirling Street, Perth, Western Australia 6000 (HIF). Eligibility 1. This offer starts on Thursday 1 January 2026 at 12:01am and closes on Tuesday 30 June 2026 at 11.59pm (WST) (Offer Period). 2. The policy start date must start no later than the Offer Period. 3. This offer is only available to a person who purchases an Eligible Product and opts to pay by Direct Debit for fortnightly, monthly, quarterly, six-monthly or annual payment frequencies (Eligible Member). 4. This offer is available during the Offer Period to Eligible Members who purchase an Eligible Product from a broker. 5. This offer is only available for the following Extras covers: i. Extras: Basic, Value, Simple, Essential, Advanced, Top. (Eligible Product). 6. This offer cannot be used in conjunction with any other offer or discount from HIF, except where those offers or discounts explicitly state. Offer 7. This offer is for a waiver of the 2-month waiting periods on Extras cover on an Eligible Product. 8. Eligible Members must maintain their Eligible Product (and be financial) for 60 consecutive days from the policy start date to be eligible to receive the 2-month Extras. 9. Eligible Members who purchase an Eligible Product and qualify for this offer, but cancel their policy within 60 days of joining will have the 2-month Extras waiting periods re-applied to their policy. 10. This offer is not redeemable for cash, transferrable or exchangeable. 11. To the extent permissible by law, HIF may amend, cancel or suspend all or part of this offer. Privacy 12. HIF’s Privacy Policy outlines how personal information is handled and the steps we take to ensure your privacy, which is available on our website at www.hif.com.au/privacy.