How to factor in bonus offers when choosing health insurance

With nearly 40 insurers offering private health cover across Australia, competition can be fierce. That’s why health funds are tripping over themselves to offer you bonus deals, discounts, and incentives.

*Average savings based off 20,400 customers during 2019!

While bonus offers can certainly sweeten the deal, they should be one of the last things you consider when choosing a health fund. A free Fitbit might sound good now, but how useful will it be if your insurer jacks up your premium?


Though it may be difficult to ignore the promise of free gifts, start your insurance search by focusing on what you want out of your health fund. Use to compare funds that offer similar features, such as extras you know you’ll use.

The service provides you with personalised policy matches so you can compare coverage on a level playing field, without any distractions. Shopping for health insurance should be easy and transparent, so you know exactly what you’re getting.

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Of course, with so many insurers to choose from the process can be overwhelming. You want to make sure your family is covered, that you’re getting the best price, and that you’re avoiding extra taxes or penalties.

The Health Insurance Comparison team provides expert advice over the phone that is tailored to your situation, so you’re able to make an informed decision on a policy. Your consultant can help you understand your options and there’s no obligation to buy.

Choosing health cover is an important decision, not one that should be rushed. You may have noticed that incentives come with an expiration date, designed to encourage you to make a purchase as soon as possible. This can be stressful, which is why it’s smart to ignore these bonus deals until you’ve narrowed down your options.

The truth is, some of these incentives are great deals, but only if they are attached to a health fund that meets your needs. If you’re deciding between two very similar funds, a bonus deal may be the thing that helps you make a final decision, and that’s fine. Just don’t let it lead you astray.

Tips for choosing a health fund:

  • Compare similar funds to find value for money
  • Look at the health fund’s rate rise history—do they tend to raise premiums at a rate higher than average?
  • Consider customer satisfaction to see how the fund is perceived by its members
  • Don’t be afraid to switch! It can save you hundreds of dollars over time.

To find a great deal on health cover, visit today.


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*Average savings based off 20,400 customers during 2019!

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

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