Compare The Market: $275 Cashback on Hospital & Extras Combined Insurance, $225 on Hospital Cover Only @ TopCashback AU

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Compare The Market: $275 Cashback on Hospital & Extras Combined Insurance, $225 on Hospital Cover Only @ TopCashback AU
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easternculture on 24/02/2025 - 10:41 topcashback.com.au (481 clicks)
Last edited 24/02/2025 - 10:46 by 1 other user

Super decent offer as it stacks with free weeks

Hospital & Extras Combined Insurance $275
Hospital Cover Only $225

Stacks with free weeks for some health funds as below

  • Union Health
    Eligible new members who join Union Health by April 30th will receive 4 weeks free on their health insurance. The 4 weeks free will be applied to the second month of your membership provided you pay by direct debit and hold cover for 30 consecutive days from your policy start date.

  • see u by HBF
    New policyholders who commence an eligible see-u combined hospital and extras policy with a $750 excess between 6 January 2025 and 31 May 2025 and pay by direct debit will receive 4 weeks free and your 2 and 6 month waiting periods waived on extras. 4 weeks free will be applied to eligible policies once a premium payment of at least 4 weeks has been made to see-u.

  • Australian Unity
    This offer is available to eligible New Members who have not held Australian Unity health insurance 90 days prior to joining and 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); or purchase Australian Unity extras only cover (extras product) by itself. New Members must pay your premiums, maintain your Policy, not have fallen into arrears or be suspended and complete 60 days of continuous paid membership (within the first 60 days of membership) before being eligible for 6 weeks free. The 6 weeks free offer is applied to each policy by advancing the date it is paid up to, i.e. moving it forward 6 weeks

  • Bupa
    Buy an Eligible combined hospital and extras policy by the 31 March that commences by the 30 April and pay by direct debit to receive 4 weeks free on your first year and an additional 2 weeks free after 13 months Excludes combined cover with Freedom 50 and Freedom 60 extras plans. You must maintain the cover and meet all payment obligations for 28 consecutive days from the join date and be financial. The remaining 2 free weeks are applied once you've held eligible cover for 13 months. The 6 weeks free will be applied to your policy as an extension of the paid-up date of your policy.

Referral Links

Referral: random (4081)

Referrer gets $35, referee gets $10 (after $10 of earned cashback within 180 days of signing up).

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Comments

  • ozbargainerlife1 on 24/02/2025 - 10:59
    +2

    was going to switch to see u. amazing tthanks!

    • easternculture on 24/02/2025 - 11:04

      My free months with frank end on 18th march and did the same lol

    • boretentsu on 24/02/2025 - 11:06

      Thinking about this too. Does anyone know when the promo ends? Is there a minimum stay before the payout is locked in?

      • easternculture on 24/02/2025 - 11:08

        60 days so just a little over the paid and free weeks which makes this a great deal

        Cashback will be confirmed after your insurance product/service has been active for at least 60 days

    • littlesoldier on 24/02/2025 - 12:29

      I am the other way, currently with see u, so have to switch to Bupa LOL

    • ozbargainerlife1 on 24/02/2025 - 11:16

      how quick was your tracking

  • ozbargainerlife1 on 24/02/2025 - 11:14

    waiting for tracking

  • ozbozb on 24/02/2025 - 11:27

    Does anyone know what's the cheapest out of these just to avoid the medicare levy?
    Also, is churning easy? do i need to manually stop the previous policy or that's done by the new company (similar to electricity)?

    • easternculture on 24/02/2025 - 11:29
      +1

      The new health fund will manage the transfer for you.

      To avoid the levy, you just need cheapest hopsital cover

  • 50centscheaper on 24/02/2025 - 11:43

    Thanks, OP!

    I've always benefited from your posts about private insurance cover.

    Off-topic, but I'm about to sign up for a Gold Cover as we're preparing to start a family.

    What's your approach to this? I'm thinking of signing up with a provider offering six weeks free and then switching to another one.

    Cheers

    • easternculture on 24/02/2025 - 11:55

      Why gold cover.
      If its for pregnancy, public hospitals have superior antenatal care and midwifery services. Maternity wards are also much superior than majority of private hospitals

      • JoJoker on 24/02/2025 - 12:23

        If something goes wrong, baby and mum will be transferred to public.

        If something goes wrong for just the baby, only the baby might be transferred.

        Just go public.

      • JoeBogan on 24/02/2025 - 13:07
        +2

        Don’t understand the neg but we’ve had amazing care with our first all through the public system

    • Jolakot on 24/02/2025 - 12:24

      Don't plan on getting many free weeks for gold-tier cover, almost every provider has them explicitly excluded in their T&C, Bupa is one of the few that doesn't.

      You're better off getting the cheapest gold-tier hospital cover at somewhere like Mildura Health for just the person giving birth, and drop back down to the level you actually need on a family plan 6 weeks afterwards (worth waiting just incase of complications). Other person just keeps the minimum level they need.

      Also worth looking at some of the 'silver+' plans, none of them were actually cheaper than Mildura Health gold for us but YMMV.

      Once you're on the family plan, should switch every 10 weeks or so to maximize free weeks depending on the deal, and look at funds that reset mid-year to maximize extras. Fair bit of effort and hassle, but with how expensive it is you can basically save enough cash for a free holiday each year, pays more than my hourly rate at least.

    • tunzafun001 on 24/02/2025 - 12:30
      +2

      I'll back this statement.

      My sister went private, we were convinced to stay public.

      Partner had to have an emergency cesarian 21hrs in, and stay in hospital for half a week. Decision was made, 6mins later she was in an op theater.

      Public care was brilliant, and we had access to post birth midwife….thing. They come to your house and talk you through everything.

      There is no reason for private cover, and you will actually miss out on a few things. My sister wasn't eligible for certain care options.

      • Jolakot on 24/02/2025 - 13:05

        No reason to go private if you're in the catchment area for top-tier public hospitals, especially if you can get into a good MGP program.

        But there are plenty of crappy public hospitals where you'd almost have a better experience giving birth in the parking lot than in the ward, where the extra cost of going private is completely worth it. Especially if having your support person nearby is important to you, some private hospitals have beds for them to use.

    • bestdealsonly on 24/02/2025 - 12:42

      I recommend private if you can afford. I have heard some horror stories on public , that they dont take the patient until the last min for delivery. Private you can go and get admitted earlier. Also there is the same doctor that is coming for your delivery and your routine checkups.

      I think only wife needs preganavy cover as baby is automatically covered for 3 months or something. Check this with isurance provider.

      • easternculture on 24/02/2025 - 12:46
        +1

        Ive heard a few horror stories in private hospitals, bleeding with no anesthetist onsite.

        Private hospital maternity units are almost completely run by midwives with 1 locum doctor for the whole hospital afterhours. If anything goes wrong, pretty much a disaster.

        Most private hospitals also wont accept high risk pregnancies for this very reason.

        Not sure if i want to be in a hospital with no anesthetist onsite afterhours especially if there is a probability that you would need surgery

  • Uncle Roger on 24/02/2025 - 12:15

    So its technically almost free money if getting free weeks?

    • easternculture on 24/02/2025 - 12:16

      Yep

    • ChampofAus on 24/02/2025 - 12:27

      Technically nothing is free.

    • littlesoldier on 24/02/2025 - 12:33

      Not sure how frequent people churning on health insurance
      For me probably doing 2-3 policies per year, so still have to pay a bit in between
      my current policy with see-u was also applied in CompareTheMarket via TCB (with $260 cashback + 4 weeks free) back in Oct 2024
      And today decided to take this offer again to Bupa

  • ChampofAus on 24/02/2025 - 12:21

    Why buy insurance?

    • U30004 on 24/02/2025 - 12:23
      +2

      To contribute to the Australian economy. Everyone has to own a house and an suv

      • WhyAmICommenting on 24/02/2025 - 12:26

        *at least two houses for the Ponzi scheme thanks

        • U30004 on 24/02/2025 - 12:53
          +1

          You mean "investment property"

  • kurcio on 24/02/2025 - 12:31
    -1

    What if you bought a new insurance plan 2 weeks ago? Does this work?

  • tunzafun001 on 24/02/2025 - 12:35

    Hey @easternculture

    Was just about to go with the Medibank offer.

    Cashrewards has this offer as well (various rates for different insurance types).

    Can I go this HBF deal for the free 4 weeks, and then sign up for the Medibank deal to kick in 8 weeks after that? Pretty sure I can do that?

    • easternculture on 24/02/2025 - 12:37

      Yeah, you can setup a sign up date.
      However, look at t&c as sometimew your policy has to be active before the end of promo

  • Zaenille on 24/02/2025 - 13:11

    Do you know when this expires? I'd love to jump on this but I'm currently churning through the free weeks of another insurance!

    • easternculture on 24/02/2025 - 13:13

      You can set an advance date to when you want your cover to start

      • Zaenille on 24/02/2025 - 13:20

        Oh neat! I might do that. But also do you know when the deal ends? Just so I have a mental deadline.

  • mr_alligator on 24/02/2025 - 13:58

    does anyone know which health insurance provides cover for weight loss medication, waiting periods and how much you can claim back. I am looking into getting a prescription for either wegovy or mounjaro.

    I have tried searching but can't any useful information on the internet so might need to contact each one separately.

    • easternculture on 24/02/2025 - 14:07

      Weight loss medications as a private script (non pbs) can be claimed under pharmacy i would have thought

  • SuHao on 24/02/2025 - 14:06

    I’m under working holiday visa. Is this suitable?

  • mikuno on 24/02/2025 - 14:15

    Been 4.5 months and still waiting for superloop to track.

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