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Health Insurance
Gold health insurance offers the highest level of Hospital cover available.
We can help you decide if the inclusions & benefits are worth the higher premiums
Compare policies, sit back & save money (we'll even do the paperwork)
Our dedicated Health Insurance experts are here to help. Updated 2 Feb 2026.
6 weeks free
On eligible Extras-only cover
Join ahm through Money.com.au on an eligible Extras policy and get 6 weeks free after maintaining continuous cover for 60 days. New members only. Offer ends 31 March 2026. T&Cs apply.#
6 weeks free
On combined Hospital and Extras cover
Offer available through Money.com.au when you join on an eligible Hospital and Extras policy. In most cases, the 6 weeks free is applied 28 days after you join. New members only. Offer ends 31 March 2026. T&Cs apply.*
6 weeks free
On combined Hospital and Extras cover
Offer available when you join as a new member on a combined Hospital and Extras policy. You need to maintain cover until 29 April 2026 to receive the 6 weeks free. Offer ends 28 February 2026. T&Cs apply.†
8 weeks free
On combined Hospital and Extras cover
Join Australian Unity through Money.com.au on eligible products and get 8 weeks free (6 weeks free in year 1, plus 2 weeks free in year 2). New members only. Offer ends 31 March 2026. T&Cs apply.§
6 weeks free
On combined Hospital and Extras cover
Offer is only available to a person who purchases an eligible product and opts to pay by direct debit for fortnightly, monthly, quarterly, or six-monthly. Offer ends 30 April 2026. T&Cs apply.^
Skip 2 & 6 month waits
On eligible Extras services
Offer available when you join as a new member on a combined Hospital and Extras policy. Offer excludes Extras-only and Hospital-only policies. Offer ends 31 Aug 2026. T&Cs apply.\
Skip 2 & 6 month waits
On eligible Extras services
Offer available when you join as a new member on a combined Hospital and Extras policy. Offer excludes Extras-only and Hospital-only policies. Offer ends 31 March 2026. T&Cs apply.`
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Gold health insurance refers to the highest level of private Hospital cover available in Australia. Under the government’s health insurance tier system, Gold policies must include all 38 categories of hospital treatment, covering everything from pregnancy and birth to joint replacements, heart surgery, psychiatric care and more.
This level of cover is designed for people who want the most comprehensive protection and peace of mind when it comes to their hospital care. It also offers the standard benefits that all tiers of Hospital cover come with, including treatment as a private patient in a public or private hospital, choosing your doctor and potentially reducing wait times for elective surgery.
Because Gold policies cover the widest range of treatments, they also come with the highest premiums, meaning they're the most costly health insurance product. That’s why it’s important to consider whether you need all the benefits included or whether a lower tier might be more suitable for your health needs and budget.
Australia’s Hospital cover is divided into four tiers: Basic Hospital cover, Bronze Hospital cover, Silver Hospital cover and Gold Hospital cover. Each tier includes a set list of treatment categories, with higher tiers covering more services. Some insurers also offer “Plus” options (like Bronze/Silver Plus), which include additional treatments from higher tiers.
Gold cover includes every treatment category that private health insurers are required to offer. This means you’ll be covered for all 38 clinical categories, including some of the most complex and high-cost hospital services that lower-tier policies often exclude.
Here are the key treatments that are only included automatically under Gold health insurance:
Health insurance for pregnancy covers hospital care for childbirth, including labour, delivery and postnatal care. It also includes complications related to pregnancy, whether you’re giving birth naturally or via caesarean.
Includes treatments such as in-vitro fertilisation (IVF) and other fertility procedures carried out in hospital. This can be a valuable option for couples needing help to conceive.
You’re covered for joint replacement surgeries like hip, knee or shoulder reconstructions in a private hospital. This is a popular inclusion on seniors health insurance and gives you more choice in your surgeon and recovery setting.
Gold cover includes surgery to remove cataracts and insert intraocular lenses, which can improve or restore vision.
You’ll be covered for inpatient hospital rehabilitation, such as after a stroke or major surgery, and for mental health treatments that require hospital admission. This includes conditions like depression, anxiety and eating disorders.
This covers hospital treatment for chronic pain using devices like pain pumps or nerve stimulators. It’s typically used for long-term pain that hasn’t responded to other treatments.
Gold policies include procedures such as gastric bypass or sleeve gastrectomy for people with obesity-related health issues. These surgeries must meet clinical guidelines to be covered.
This includes hospital treatment focused on relieving pain and improving quality of life for people with life-limiting conditions. It supports both physical and emotional wellbeing during end-of-life care.
Yes, Gold level policies still have waiting periods, just like other levels of Hospital cover. A common example is 12 months for pregnancy and birth services. Other treatments like palliative care, psychiatric care and rehabilitation usually have a two-month waiting period.
If you have a pre-existing condition – meaning any ailment, illness or condition where signs or symptoms were present in the six months before you took out or upgraded your cover – a 12-month waiting period generally applies for hospital treatment. This rule is assessed by a medical practitioner appointed by your insurer and applies across all tiers, including Gold, according to the Commonwealth Ombudsman.
Gold Hospital cover generally costs between $275 and $440 per month for singles, $520 to $750 for couples and families, and $465 to $640 for single-parent families, according to Money.com.au analysis.
Your exact premium will vary based on several individual factors. These include your age, location and chosen health fund, as well as whether you’re eligible for the Australian Government Private Health Insurance Rebate, which can reduce your premium based on your income and age.
Other factors, like the Lifetime Health Cover (LHC) loading, may also apply. This is an extra cost of up to 70% added to your premium if you didn’t take out eligible Hospital cover by July 1 after your 31st birthday.
If you're a high-income earner without Hospital cover, you may be required to pay the Medicare Levy Surcharge (MLS) at tax time, which can range from 1% to 1.5% of your income. Having Gold or any eligible Hospital cover can help you avoid this surcharge.
Chris Whitelaw, General Manager - Health Insurance at Money.com.au
“While Gold offers the most comprehensive Hospital cover available, it’s not going to be worth the higher premiums for a lot of people – especially if they’re not at a life stage where treatments like pregnancy, joint replacements or cataract surgery are relevant. But what’s often overlooked is that Gold cover can offer significant long-term value for those with chronic health needs or who want certainty in accessing complex procedures without exclusions.”
Chris Whitelaw, General Manager - Health Insurance at Money.com.au
Here’s a simple comparison of the key differences between Gold cover to the other hospital tiers:
Feature / Tier | Coverage scope |
|---|---|
Gold | Covers all 38 clinical categories without restrictions |
Silver | Covers most clinical categories, some exclusions or restrictions |
Bronze | Covers fewer categories, many exclusions and restrictions |
Basic | Covers essential and emergency hospital treatments only |
Feature / Tier | Pregnancy and birth |
Gold | Included, usually with 12-month waiting period |
Silver | Often excluded or limited |
Bronze | Usually excluded |
Basic | Excluded |
Feature / Tier | Pre-existing conditions |
Gold | 12-month waiting period applies |
Silver | 12-month waiting period applies |
Bronze | 12-month waiting period applies |
Basic | 12-month waiting period applies |
Feature / Tier | Psychiatric and rehabilitation care |
Gold | Included with standard 2-month waiting period |
Silver | Included, may have some limits |
Bronze | Limited or excluded |
Basic | Excluded |
Feature / Tier | Premium cost |
Gold | Highest |
Silver | Moderate to high |
Bronze | Moderate |
Basic | Lowest |
Feature / Tier | Out-of-pocket costs |
Gold | Lowest for covered treatments |
Silver | Moderate |
Bronze | Higher |
Basic | Highest for non-covered treatments |
Feature / Tier | Ideal for |
Gold | People needing comprehensive care or pregnancy services |
Silver | Those needing good cover but less extensive than Gold |
Bronze | People on a budget with basic hospital needs |
Basic | Those needing minimal cover for emergencies only |
| Feature / Tier | Gold | Silver | Bronze | Basic |
|---|---|---|---|---|
Coverage scope | Covers all 38 clinical categories without restrictions | Covers most clinical categories, some exclusions or restrictions | Covers fewer categories, many exclusions and restrictions | Covers essential and emergency hospital treatments only |
Pregnancy and birth | Included, usually with 12-month waiting period | Often excluded or limited | Usually excluded | Excluded |
Pre-existing conditions | 12-month waiting period applies | 12-month waiting period applies | 12-month waiting period applies | 12-month waiting period applies |
Psychiatric and rehabilitation care | Included with standard 2-month waiting period | Included, may have some limits | Limited or excluded | Excluded |
Premium cost | Highest | Moderate to high | Moderate | Lowest |
Out-of-pocket costs | Lowest for covered treatments | Moderate | Higher | Highest for non-covered treatments |
Ideal for | People needing comprehensive care or pregnancy services | Those needing good cover but less extensive than Gold | People on a budget with basic hospital needs | Those needing minimal cover for emergencies only |
Gold health insurance is best suited to people who want the highest level of private hospital protection and are comfortable paying more for broader coverage. This may include individuals with ongoing or complex health conditions, those planning to start a family and needing pregnancy and birth-related services, or anyone who wants peace of mind knowing all clinical categories are covered without restrictions.
It can be a good fit for older Australians who may need access to treatments like joint replacements or cataract surgery, which are only fully covered under Gold policies.
Gold cover may also appeal to families who want more flexibility around out-of-pocket costs. Some insurers, like ahm and Medibank, waive the excess for children on a family policy, which can help reduce unexpected expenses if your child needs hospital treatment.
Here are four easy ways to ensure you get the best Gold health insurance in Australia:
Not all Gold policies are the same. While they must cover all 38 clinical categories, the specifics (like contract hospitals, gap cover and support programs) can vary. Look closely at what's offered beyond the minimum. Hint: Our health insurance experts can help you here.
Some insurers offer flexible excess options to help lower your premium, while others waive the excess for kids on family policies. Make sure you choose an excess that’s affordable if you need to claim, and consider whether the policy has a per-admission or annual excess cap.
Even the best Gold policy will have waiting periods, such as 12 months for pregnancy or pre-existing conditions. If you’re switching from another fund to the same level of cover, you won’t need to re-serve these – but always confirm with the insurer. If you’re combining your Gold Hospital cover with Extras, some health funds offer no waiting periods on Extras to new customers.
Gold cover comes with higher premiums, so consider whether you’ll actually use the treatments it covers. If not, a Silver policy (or a variant of it such as “Silver Plus”) may offer the services you need at a lower price. Use our comparison tool or speak to one of our health insurance advisers if you’re unsure.
Gold health insurance is the crème de la crème of Hospital cover in Australia. For individuals or families with specific health needs or who want top cover, Gold policies can be worth the investment. But for most, especially those who are on lower incomes or don’t see the value in it, Gold cover may be financially out of reach or simply unnecessary.
In such cases, opting for Silver Plus or Bronze Plus policies might provide a more cost-effective balance between coverage and affordability. Ultimately, whether Gold health insurance is worth it depends on individual circumstances, and if the pros outweigh the cons for your current health needs, life stage and financial situation.
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Yes, but you’ll need to serve waiting periods for any new or upgraded benefits not covered in your previous policy.
Yes, Gold is the only tier that guarantees full coverage for pregnancy, birth and assisted reproductive services in a private hospital.
Gold covers all hospital treatments with no exclusions. Silver Plus can be customised to include some Gold-level services but may still exclude others like pregnancy or cataracts.
While all clinical categories are covered, you may still face out-of-pocket costs for things like robotic surgery, high-cost drugs, consumables or specialist fees above the Medicare Benefits Schedule. Co-payments or an excess may also apply, depending on your policy.
Gold policies cover inpatient hospital services and may include specialist dental procedures performed in a hospital setting. General dental, major dental and optical services are not included and require a separate Extras policy or a combined Hospital and Extras policy.
Not necessarily. Gold cover gives you access to private hospitals and specialists, which can reduce wait times, but treatment still depends on availability and scheduling with your chosen provider.
While there are no direct incentives usually specific to Gold cover, having private hospital insurance can help you avoid the Medicare Levy Surcharge and Lifetime Health Cover loading if you’re over 31. Some health funds also offer sign-up deals and discounts which may only be available to new customers who take out a certain level of cover, such as Gold.
Gold tier policies made up just 2% of total sales in 2024–25, according to the latest data from the Private Health Insurance Intermediaries Association. Money.com.au analysis of APRA’s latest health insurance data found that around 12.3 million Australians have some form of private Hospital cover, including Gold.
Jared Mullane is a finance writer with more than eight years of experience at some of Australia’s biggest finance and consumer brands. His areas of expertise include energy, home loans, personal finance and insurance. Jared is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821).
Sean Callery is the Editor of Money.com.au. He has over 15 years of international experience. He is qualified with a Certificate IV in Finance and Mortgage Broking (FNS40821) and is compliant to provide general advice in Tier 1 General Insurance (RG 146) products.
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.
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.
Our customers have access to offers from a range of health insurance partners:
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.
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):
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.
Offer
Offer period
Eligibility Criteria
Note: This offer is not available:
Fulfilment of Six Weeks Free
Terms and Conditions
Terms and Conditions: Get 6 weeks free when you purchase extras cover (1 Feb – 31 March 2026)
Offer
Offer period
Eligibility Criteria
Note: This offer is not available:
An eligible customer must:
Fulfilment of Six Weeks Free
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".
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.
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 02/02/2026 and 31/03/2026 and such policy must commence by 30/04/2026, 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) pay their health insurance premiums by direct debit; and f) provide a valid email address. If they meet all of the eligibility criteria above, they are an Eligible Customer.
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)
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.
The offer only applies to hospital and extras (combined) policies, not extras-only or hospital-only policies.
This offer does not apply to members transferring from a product issued by nib (including Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance, or nib Corporate Health Insurance) at the time of joining the Eligible Product, or who have cancelled any of these policies within 6 months before or during the offer period.
Excluded Products: Deluxe Saver Silver Plus Hospital.
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.
Eligible Members must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 29 April 2026 (Fulfilment Date). The Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date, if premium payments are not up to date on the Fulfilment Date, or if the policy is cancelled prior to the end of the adjusted “paid to” date provided under the Offer.
Members who join nib with a policy start date outside of the Offer Period can qualify for the Offer, provided the join is processed within the start and end dates of the Offer.
6 Weeks Free Terms and Conditions
These Terms and Conditions apply to the nib join offer to join and receive “6 Weeks Free” (Offer).
The Promoter of this Offer 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 Offer commences at 12:00 am (AEDT) on 1 February 2026 and closes at 11:59 pm (AEDT) on 28 February 2026 (Offer Period). Policies joined after 11:59 pm (AEDT) on 28 February 2026 will not be eligible for the Offer.
This Offer is open only to Australian citizens, permanent residents of Australia, or those 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 (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 any other private health insurance product issued by nib, or to any member moving from one of these products to an Eligible Product. The Offer excludes 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 with a policy start date outside of the Offer Period can qualify for the Offer, subject to compliance with: a) these Terms and Conditions (including the Eligibility Requirements); and b) 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: a) successfully join an Eligible Product during the Offer Period through one of the Promoter’s approved channels. Ineligible products include Basic Kickstarter, Basic Accident Hospital and Value Extras; b) maintain the Eligible Product up to the Fulfilment Date, being 29 April 2026. The Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date, if premium payments are not up to date on the Fulfilment Date, or if the policy is cancelled prior to the end of the adjusted “paid to” date; c) not be a current policyholder of a product issued by nib (including 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, or Seniors Health Insurance) at the time of joining the Eligible Product, nor have cancelled any of these policies within 6 months before or during the Offer Period, excluding transfers from nib International Workers Health Insurance, nib International Students Health Insurance, or where a dependant or spouse transitions to their own policy; d) have a valid email address applied to their policy; and e) not be an employee of the Promoter (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 satisfies the Eligibility Requirements, the Promoter will email the Eligible Member confirming qualification for the Offer and that the “paid to” date has been adjusted in accordance with clause 8.
The Offer cannot be redeemed for cash, refunded, replaced after expiry, or treated as legal tender, an account card, credit, or security.
Subject to any rights under applicable laws, the Promoter excludes all liability to the maximum extent permitted by law for any loss or damage (including loss of opportunity, profits, or business) arising in connection with the Offer.
Nothing in these Terms and Conditions restricts or modifies statutory consumer rights under applicable law, including the Competition and Consumer Act 2010 (Cth).
The Promoter may amend or withdraw all or part of this Offer at any time and substitute it with another offer of equal or greater value. No compensation will be payable where an Offer is substituted.
The Promoter is not responsible for undelivered emails due to spam filters or email settings.
The Promoter reserves the right to disqualify any person who provides false information or seeks to gain an unfair advantage or manipulate the Offer.
Personal information will be collected by the Promoter for the purpose of conducting and promoting this Offer and improving services. By claiming the Offer, Eligible Members consent to the use of their personal information in accordance with the Promoter’s Privacy Policy at https://www.itsmyhealthinsurance.com.au/privacy . If personal information is not provided, participation in the Offer may not be possible.
2 & 6 Month Waiver Terms and Conditions
These Terms and Conditions apply to the 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 1 November 2025 and remains available unless amended, withdrawn, cancelled or suspended by nib in accordance with these Terms and Conditions.
The Waiver is open only to Australian citizens, permanent residents, or those entitled to full reciprocal Medicare rights, registered for Medicare and listed on an active Medicare card, who are 18 years or over as at the date of joining (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 other private health insurance products issued by nib, nor to members transferring from those products. Non-health insurance products (e.g. travel) are excluded.
nib may request proof of identity, residency and eligibility to ensure compliance with Private Health Insurance requirements.
Eligible Members who join an Eligible Product during the Waiver Period with a policy start date outside the Waiver Period may still qualify, subject to compliance with these Terms and Conditions and any nib requirements regarding policy start dates.
The Waiver consists of waiving the 2-month and 6-month waiting periods on all Extras services that normally require those waiting periods under the Eligible Product.
To receive the Waiver, Eligible Members must: a) successfully join an Eligible Product during the Waiver Period through 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, or Seniors Health Insurance) at the time of joining, nor have cancelled any of these products within 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 (Eligibility Requirements).
The Waiver cannot be combined with any other offer or promotion unless otherwise stated.
The Promoter will apply the Waiver at the policy start date. The Waiver becomes effective for claims only once the first premium payment is successfully processed and the policy is deemed financial.
The Waiver cannot be redeemed for cash, refunded, replaced after expiry, or treated as legal tender, an account card, credit, or security.
Subject to applicable laws, the Promoter excludes all liability to the maximum extent permitted by law for any loss or damage arising in connection with the Waiver.
Nothing in these Terms and Conditions restricts or modifies statutory consumer rights under applicable law, including the Competition and Consumer Act 2010 (Cth).
The Promoter may amend or withdraw all or part of this Waiver at any time and substitute it with another offer of equal or greater value.
The Promoter reserves the right to disqualify any person who provides false information or seeks to gain an unfair advantage or manipulate the Waiver.
Personal information will be collected for the purpose of conducting and promoting the Waiver and improving services. By receiving the Waiver, Eligible Members consent to the use of their personal information in accordance with the Promoter’s Privacy Policy at https://www.itsmyhealthinsurance.com.au/privacy . If personal information is not provided, participation in the Waiver may not be possible.
Offer
Eligibility Criteria
Customers must:
Note: This offer is not available:
Fulfilment of Eight Weeks Free
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)
Terms and Conditions for the “6 Weeks’ Free Cover + No 2-Month Waits on Extras (6W2M)” Promotion (Offer)
The promoter is Health Insurance Fund of Australia Limited ACN 128 302 161 of 100 Stirling Street, Perth, Western Australia 6000 (HIF).
Eligibility
This offer starts on Saturday 1 November 2025 at 12:01am and closes on Sunday 30 November 2025 at 11.59pm (WST) (Offer Period).
The policy start date must start no later than the Offer Period.
This offer is only available to a person who purchases an Eligible Product and opts to pay by Direct Debit for fortnightly, monthly, quarterly, or six-monthly (Eligible Member).
This offer is available during the Offer Period to Eligible Members who purchase an Eligible Product from a broker.
This offer is only available for the following Combined and Packaged Hospital and Extras covers: i. Hospital: Basic Plus, Bronze, Bronze Plus, Silver or Silver Plus; and ii. Extras: Basic, Value, Simple, Essential, Advanced, Top; or iii. Packaged: Basic Starter, Bronze Plus Simple Choice (Eligible Product).
This offer cannot be used in conjunction with any other offer or discount from HIF, except where those offers or discounts explicitly state.
Offer
This offer is for 6 weeks’ free cover on an Eligible Product plus a waiver of the 2-month waiting periods on Extras cover.
The 6 weeks’ free cover offer will be applied after 90 consecutive days from the policy start date by advancing the date the policy is paid to by 6 weeks. That is, after 90 consecutive days of cover, the next 6 weeks of cover are treated as paid.
During the 6 weeks’ free cover period, the Direct Debit will be suspended and will resume at the end of the 6 weeks’ free cover period.
At the end of the 6 weeks’ free cover period, the offer is redeemed and HIF is under no further obligation in respect of the offer.
Eligible Members must maintain their Eligible Product (and be financial) for 90 consecutive days from the policy start date on Direct Debit to be eligible to receive the 6 weeks’ free cover. Please allow up to 14 days from that date for the offer to be applied.
This offer is not redeemable for cash, transferrable or exchangeable. No part of the premium which would have otherwise been payable in the 6 week free cover period will be refunded in the event of termination or cancellation of the policy.
Eligible Members who purchase an Eligible Product and qualify for this offer, but later downgrade to Hospital only within 90 days of joining will not have the 6 weeks’ free cover applied to their policy.
Eligible Members who purchase an Eligible Product and qualify for this offer, but downgrade to Extras only within 60 days of joining will have the 2-month Extras waiting periods re-applied to their policy.
To the extent permissible by law, HIF may amend, cancel or suspend all or part of this offer.
Privacy
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
Terms and Conditions | 4 Weeks Free + 2 & 6 Month Waits Waived 2 February 2026 – 31 March 2026
Eligibility
This offer is available to new see-u by HBF policyholders who purchase an eligible combined Hospital and Extras cover via eligible and approved distributors, complete the purchase in a single transaction between 9:00am (AEST) on 2 February 2026 and 11:59pm (AEST) on 31 March 2026, and maintain continuous, paid cover for the required period(s) to receive the free weeks.
This offer is not available to employees of see-u, QCHF, HBF, or related entities; current or former members who have received a promotional joining offer for a see-u by HBF branded policy in the last 18 months; existing see-u members making changes to their current policy (including upgrades, downgrades, or adding dependants); policies purchased as Hospital-only or Extras-only cover; policies combined with products outside the eligible list; or members redeeming another see-u promotion, incentive, or weeks-free offer at the same time.
Eligible Products
The following combined Hospital and Extras products are eligible under this offer: Starter Hospital $750 Excess with Daily Co-Pay plus Eligible Extras; Starter Hospital $750 Excess (Basic) plus Eligible Extras; Saver Hospital $750 Excess (Bronze Plus) plus Eligible Extras; Saver Hospital $750 Excess with Daily Co-Pay plus Eligible Extras; Smart Hospital $750 Excess (Bronze Plus) plus Eligible Extras; and Secure Hospital $750 Excess (Silver) plus Eligible Extras.
Fulfilment of 4 Weeks Free
Four weeks’ free cover will be applied after eight weeks of continuous eligible cover, provided full payment has been received and the policy is set to direct debit. If a member’s last full payment aligns with their free-cover eligibility date, the free cover will begin from the next scheduled payment date. During the free-cover period, direct debits will be paused automatically and regular payments will resume immediately after the free weeks end.
Fulfilment of 2- & 6-Month Extras Waiting Period Waiver
The waiver applies to the Extras portion of the policy only. Hospital waiting periods and any Extras waiting periods longer than six months continue to apply. If you join within two months of leaving another Australian health insurer, waiting periods already served on a comparable or lower level of cover will generally be recognised. Members must be financial and have paid four weeks of premiums before any claims can be approved. Eligible claims for services received from the join date will be payable once this requirement is met.
General Conditions
Free weeks are not redeemable for cash or any other benefit. This offer cannot be used in conjunction with any other see-u promotion, incentive, or weeks-free offer. see-u by HBF reserves the right to vary, withdraw, or amend this offer and its qualifying criteria at any time without notice.
HBF Health Limited ABN 11 126 884 786 trading as see-u by HBF Phone: 1300 499 260 Email: info@seeuhealthinsurance.com.au
