Escape of the WeekEscape of the Week

Health Insurance Tracker

Switching health funds is one of the easiest points plays in Australia — sign-up bonuses, waived waiting periods and tens of thousands of Qantas or Velocity points. We track the best switch deals so you always know where to move next.

The best switch deals right now

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Unlock the live deals & promo codes

The current best health-insurance switch deals — bonus points, weeks free, waived waits and the promo codes to claim them — are a Points Hub member tool.

Unlock with The Points Hub

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The numbers to remember

90–120 days
for your bonus points to land
12–18 months
before you can rejoin an insurer
30 days
cooling-off refund window
Never
do your waiting periods reset

The churning rules, made simple

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Why switching is safe

  • 🔄

    Your waiting periods carry across

    Your old fund's transfer certificate moves any waiting time you've already served onto equivalent cover — you never restart from scratch.

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    Lifetime Health Cover stays put

    No LHC loading is added when you switch, as long as you keep a hospital policy in place.

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    There's a 30-day cooling-off

    Cancel within ~30 days with no claims made and you get a refund — a safety net if a deal isn't what you expected.

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Watch out — don't get burned

  • âŗ

    Hold long enough before you leave

    Every deal has a minimum hold before the bonus is locked in. Leave too early and the fund claws it back. We list the hold on each deal.

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    Wait for the points before switching again

    Usually ~90 days to hit the minimum-hold requirement, then another ~30 days to clear into your account — around 90–120 days all up. Don't cancel or move to the next deal until they've actually landed.

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    Don't re-churn the same fund too soon

    Bonuses are for new customers — you usually need 12–18 months since you last held that fund before you can rejoin. Sister brands count too (e.g. Medibank + ahm), so rotate funds.

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Squeeze out even more

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    Call up and compare

    Phone and retention offers often beat the website — ring the new fund, and your current one, before you commit.

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    Pay medical bills on a points card

    For extras like dental, physio or massage, pay in full on a points card then claim the rebate back — you keep points on the whole bill.

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    Stack a cashback portal on top

    Where it's allowed, click through ShopBack / Cashrewards on your way to the insurer for cashback on top of the points + promo. We flag which deals stack.

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    Keep your own transfer certificate

    Transfers can be slow or wrong. Keep a copy, check your waiting periods carried over, and escalate to the free PHIO ombudsman if a fund won't fix it.