$150 "The Iconic" eGift Card with Any Combined Hospital + Extras Package (Online Offer) @ NIB

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easternculture on 02/03/2016 - 21:39 nib.com.au (278 clicks)
Last edited 02/03/2016 - 23:30 by 1 other user

I've been jumping from one PHI to another nearly every month to benefit from these great sign up offers and have accumulated over $600 in GC's / Flybuy Points etc

This month, i see NIB are giving away a $150 "The ICONIC" eGift card when you join any combined Hospital + Extras package online

Also a heads up that if you authorize NIB to cancel your current PHI policy with another provider, it will be from the day you join NIB and all limits/waiting periods/claims with be carried forward to your new NIB policy.

Full T&C here

Hopefully this will help some OzBargainers

Enjoy

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• 

  spuderump on 02/03/2016 - 22:30

  What are some of the other offers you have come across recently?

  • 

    easternculture on 02/03/2016 - 23:28

    • Medibank 20000 Flybuys and $200 Adidas voucher
    • Then NIB for $100 eftpos
    • Then HIF $50
    • Then back to NIB for the $100 eftpos again
    • Jumped on today to the iSelect $300 offer
    • 

      Appleboat on 03/03/2016 - 00:46

      I note this is online only but is that a requirement of eligibility? What about nib via I-select and picking up both the $150 and the $300 eftpos cards?

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        easternculture on 03/03/2016 - 00:59

        What about nib via I-select and picking up both the $150 and the $300 eftpos cards?

        The offer isnt showing via iSelect for the $150 Iconic gift card

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  thumbybumbi on 02/03/2016 - 22:51

  +1

  how easy is it to jump from one PHI to another? I'm about to get PHI (just extras though) for the first time. Have you had to restart your waiting periods at all?

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    easternculture on 02/03/2016 - 23:29

    its in the OP

    Also a heads up that if you authorize NIB to cancel your current PHI policy with another provider, it will be from the day you join NIB and all limits/waiting periods/claims with be carried forward to your new NIB policy.

    • 

      thumbybumbi on 03/03/2016 - 00:47

      ah thanks. I actually just meant with hopping around in general though - does it get complicated after hopping a few times? I can imagine trying to explain that even though i was with my previous provider for a month, i'd served waiting periods across a bunch of other providers, each being 1 month or so each…
      i don't know the system very well, so this might not make much sense haha

      • 

        eltito on 03/03/2016 - 11:53

        +1

        Won't work for extras only policy, essentially 95% of offers I've seen (I use to work in health insurance) is always hospital and extras combined policy. You can however take a hospital and extras policy out and cancel either one at any time.

        No it doesn't get complicated, the new company will request a clearance certificate to the old company on your behalf - the old company has the info from older companies you were with (which would occur if u jumped around a fair bit).

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  00 on 02/03/2016 - 23:35

  +1

  Companies need to bribe us to take out health insurance? So I get a kickback for taking out insurance with a private company to help me if I'm sick or injured. Bizarre.

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    easternculture on 02/03/2016 - 23:37

    ive got it for tax purposes. I'd be paying it either way so might as well make use of it :)

    • 

      00 on 02/03/2016 - 23:39

      In essence you pay a private company a fee in order to lower the tax you pay the government

    • 

      Kingfield on 02/03/2016 - 23:44

      huh private health insurance is tax deductible?!

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        easternculture on 02/03/2016 - 23:56

        To avoid the extra 1% they charge me for not having PHI

    • 

      bg on 03/03/2016 - 06:32

      +1

      Although with reduced/no rebates that may not be so true anymore. Certainly was when it was introduced About 15 years ago. But rates have increased and we get no rebates - health insurance is really quite expensive in Australia, plus often massive gap payments.

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    Charity on 03/03/2016 - 06:04

    The company is not there to help you, they are betting on you.

    The bet is that you will pay more in premiums (over a lifetime) than you will spend. The kickback is to get you on their books. Speaking of your health, are you seeing clearer now?

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  strawberrybug on 03/03/2016 - 10:44

  If only they carried forward your major waiting periods for extras.