This was posted 1 year 6 months 3 days ago, and might be an out-dated deal.

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6 Weeks Free after 30 Days, 60,000 Bonus Woolworths Rewards Points (Worth $300), 2- & 6-Month Waiting Period Waived @ Bupa

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6 Weeks Free after 30 Days, 60,000 Bonus Woolworths Rewards Points (Worth $300), 2- & 6-Month Waiting Period Waived @ Bupa
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Lmokorusmania on 19/06/2023 - 22:59 bupa.com.au (6612 clicks)
Last edited 20/06/2023 - 15:03 by 1 other user
EOFYOFFER

First post please be gentle :)

Up to 10 weeks free on eligible hospital and extras products (6 weeks free after 30 days plus 4 weeks free after 13 months) + $300 worth Everyday Rewards dollars (on third month) + 2 & 6 month waits waived on extras (from join date).

If my understanding is right, for most profit you keep policy for 72-90 days then cancel where you get everything above except the 4 weeks free.

Eligibility can be seen on https://www.bupa.com.au/campaigns/health-insurance/ten-weeks… but in summary must not held Bupa health insurance in the last 12 months prior to join date, for policy commences by 30/07/2023 and provide BUPA with everyday rewards membership number within 30 days of joining.

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Referrer gets $100 Prezzee e-gift card. Refer a Colleague program only eligible at a participating Bupa Health Insurance Retail Store nationally and/or Australia Sales and Customer Service support line. Quote member number from the referral system.

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closed Comments

    • MITM on 20/06/2023 - 06:18
      +1

      How do you find claiming from VIC for Dental for example, when HealthPartners is SA (Adelaide) centric ? Wouldn’t be many HP dentists in VIC I’d assume.
      Likewise with Hospitals, if you choose elective surgery, are there many HP preferred private hospitals in VIC ?
      Whereas BUPA has nationwide providers (although ironically, no preferred dentist in my local suburb).

      • HardQuiz on 20/06/2023 - 07:32

        Good questions.

        I’d like to hear from any non-SA who are with Health Partners.

        • Jasongood on 20/06/2023 - 10:59
          +2

          I am in Brisbane and I am on Health Partners Gold Hospital and HBF Extras Flex 60

          I went with Health Partners is because it's the cheapest Gold I can find (2 years ago) and used it to give birth to my lovely boy last year at Greenslopes Private, the hospital bill is in the $10k mark for 5 nights and all covered (minus excess and the pain killing doctor), HP also rebated the compression garment recommended by the hospital physio (which is essential).

          I have back pain and hand problem so I visit physio all the time, going with HBF Flex extra makes it so easy to do the calc in my brain! HBF pay 60% of whatever the physio charges (even supports Apple Pay) and I pay the rest on a Qantas CC. I chose to pay yearly on this Extra and I called the rep to set the anniversary few days before April so I always pay on current year's rate on renewal.

          Sorry for sounds like a shill but I feel the above are very good value to me. If you know any Extra policy that do percentage rebate as well please share so I can compare! :)

  • Chef Freeman on 19/06/2023 - 23:52

    I'm having trouble understanding this, does this mean things like chiropractor, dentist etc.
    Which are considered extras right?
    You don't have to wait 2 or 6 months period to be able to use the health insurance to cover those?
    First health insurance so a bit lost

    • OldSchoolHarry on 20/06/2023 - 00:07
      +1

      2 months waiting period for dental and 6 months for eyes is standard waiting period on most Extras insurance unless you get a 'waiving' offer.

    • sh4hp on 20/06/2023 - 00:11
      +5

      Yup. All the extras that you usually have to wait 2/6 months before being able to claim is now available from day 2.

      However, do keep in mind that the 1 year waiting period items are the big ticket items, i.e. dental surgeries or hearing loss aides etc.

      • Chef Freeman on 20/06/2023 - 09:12

        Thank you
        I thought it might mean that
        Ill go ahead and start the application for mine

  • sh4hp on 20/06/2023 - 00:18

    My question is this, will they cover a % or a fixed amount? I know AHM covers a fixed amount, which adds up in the end. Paid 60% of the dental bill the last time, and about 50% for the chiro every time. Or is this actually normal?

    I know some who always pay 20% gap regardless, so not sure if that's an older plan.

    • Tony-Abbott on 20/06/2023 - 00:54
      -5

      Read the product description. It's all there.

      • Toffees on 20/06/2023 - 01:36
        +7

        Such a helpful comment :)

      • sh4hp on 20/06/2023 - 07:40

        I don't think it's always there, hence the question for existing/prior subscribers.

        Like it says 60% up to annual limit for most, so I am wondering if that's alway true or it's "60% or the cap price for the service, whichever is lower". Like if I did a single overpriced $600 chiro session (unlikely but an example), will they still pay the $480 portion?

        • Birdseye on 20/06/2023 - 08:33

          It's based on the item number that the chiro uses. Providers will often have a different percentage they cover at their 'preferred' providers (because they can dictate how much those providers charge for each item) versus how much they will cover at another provider.

          Even if they do cover 60% everywhere and the single session is very high priced, you don't really 'win' anyway - because it will just take up a larger amount of your overall annual limit.

          • sh4hp on 20/06/2023 - 21:17

            @Birdseye: Yeah, don't really wanna "win" as much as wanna "use em all up" lol.

            No point in having a $1000 limit for Dental surgery when the claim only covers 35% of the cost, which my current AHM paid. And you don't do dental surgeries all the time, so would have liked it if I can claim more when I do have to do it.

  • rban945 on 20/06/2023 - 00:20

    Haven’t switched health insurance before but looking into it now - will waiting periods for services that usually require 12 month waits (such as major dental) carry over if I have already served that time with my current provider or will I be losing that?

    • OldBugger on 20/06/2023 - 00:34

      It'll carry over if it is the same

    • Maestrok on 20/06/2023 - 06:08

      you might want to ask the provider you're thinking of switching to. "ozbargain said…. " won't work if anything happens. :-p

  • lankylank on 20/06/2023 - 01:05
    +1

    Whenever the T+C states any eligible domestic hospital cover and extras (to get the 6 weeks free and the woolies pts). Would that include basic hospital cover or at least bronze.
    It's a little hard to tell!

  • gimme on 20/06/2023 - 02:36
    +3

    take the 6 weeks and churn. i do this 3-4 times a year with multiple x weeks free providers. rinse repeat. and of course there's no waiting period anyway for equivalent cover. Yes there's no more loyalty to existing customers but that's everywhere so just stop being a loyal (lazy) customer. it's a sport here anyway with all sorts of providers.

    • MITM on 20/06/2023 - 06:23

      How long do you join for before you get your free weeks and then churn ?

      • gimme on 20/06/2023 - 08:35

        depends on T&Cs of each deal

    • ar7ist on 20/06/2023 - 07:40

      What level of cover do you have?

      • gimme on 20/06/2023 - 08:36
        +1

        level appropriate for my needs. Everyone is different

  • amsaini15 on 20/06/2023 - 04:45

    Which other provider other than BUPA is offering similar signup bonus? I am with Bupa and seems like its time to change.

    • sywex on 20/06/2023 - 04:52
      +1

      Medibank has 6 weeks free and 25000 live better points that you can use to redeem for $200 off premium.

      • amsaini15 on 20/06/2023 - 05:30

        Thanks mate

      • kickling on 28/06/2023 - 23:11

        Medibank are also doing a $250 / $500 Gift card + 6 Weeks free

        • sywex on 28/06/2023 - 23:58

          That's the offer I was referring to. 25k pts for single policy or 50k for a couple. They advertise it as up to $250/$500 gift card value because there are options to redeem 25k points like for a $250 Apple or Adidas gift card. But I think most people would find more value in redeeming 25k points for $200 reduction in premium.

  • alcadive on 20/06/2023 - 05:45

    Is anybody else just raw dogging life without health insurance?

    Does it actually save you money in the long run?

    • Maestrok on 20/06/2023 - 06:10
      +2

      Depends on your age, income (due to tax) and whether you use it.

    • philmarcracken on 20/06/2023 - 06:18
      +7

      Private health cover gets you into private wings/hospitals which are far more comfortable and let you actually rest.

      In public you're in a 4 bed room, sleeping next to one bloke on a cpap which sounds like hes trying to suck a tennis ball through a garden hose(and winning).

      Hell the last stay at private, they had room service.

    • G-rig on 20/06/2023 - 06:29
      +2

      Depends on your circumstances as pointed out, but you can end up more paying tax if you don't at the have the appropriate of hospital cover at least.

      It's also worth taking this out before you turn 31 or you will pay a 2% LHC loading on top of your premium.(https://www.ato.gov.au/Individuals/Medicare-and-private-heal…)

      Perhaps have a quick look on the ATO website:
      https://www.ato.gov.au/Individuals/Medicare-and-private-heal…

    • OldBugger on 20/06/2023 - 09:59
      +1

      I was dogging it until recently.

      You could definitely save money by not having it. Just use public. Although waiting for treatment might keep you out of work in some cases. But over your lifetime, I'm sure most of us would not break even with their HI premiums. Sanity and well-being is another thing.

    • Birdseye on 20/06/2023 - 14:23
      +1

      If I don't have hospital cover I pay (as does my partner) an extra 1% or so in tax. So it's pretty much worth it just for that.
      I've also unexpectedly needed elective surgery like three times in the past three years, and each of those I would have been waiting years or paying through the nose to go private (like tens of thousands of dollars, private without cover is insanely expensive). I also had an emergency ambulance a year or so ago, that would have been a couple of k too without cover (which you can of course just get separately, but it's included with pretty much all PHI)

    • watwatwat on 20/06/2023 - 14:33

      life without health insurance?

      No, I get hospital cover for tax purposes and make a nice profit each year.

    • tessel on 22/06/2023 - 20:08
      +1

      Nothing but raw here mate.

  • choister on 20/06/2023 - 06:24

    Guys, I have been with Medibank for 20 years and currently on a family cover. Medibank has $2400 orthodontic lifetime limit which could be utilised by my daughter in the next year or two. It seems Bupa’s lifetime limit is $1200. It wouldn’t be worth the change for me until my daughter is finished with the orthodontic right?

    • G-rig on 20/06/2023 - 06:32

      That's a good point. The limits of extras on new plans aren't often as good as the years go by (joined up on a corporate plan), and you do get a discount for loyalty up to 7 years (i think) with Bupa. Another reason I didn't end up moving.

      • delfredo on 20/06/2023 - 07:54

        Where can I find the Bupa loyalty info? There’s so much content on their site I must have missed it.

        • G-rig on 20/06/2023 - 08:24

          Maybe worth asking them, I think it's still a thing, will see if I can find it in my policy.

    • Birdseye on 20/06/2023 - 14:24
      +1

      If you think she's going to need ortho, then I'd stick with Medibank for a while. But maybe call them up 'looking for a transfer certificate' and see if they'll throw some free weeks your way to keep you ;)

  • bluephonebox on 20/06/2023 - 07:49

    Ends up the same (compared to my comparable NIB cover) even after the 10-week free and $300 reward dollars. So, no thanks.

  • grezk on 20/06/2023 - 08:04
    +1

    I run a dental clinic, and hands down the best for cover has to be Australian Unity. Different procedures have different rates of cover, but on average it covers around 50%. I think people get overly loyal with the bigger players and the advertised payouts, but practically we see AU payout more across a variety of procedures in a single visit, and from personal experience the premiums are cheaper too.

    • thermos36 on 20/06/2023 - 08:32

      Hey mate, what's the best route/insurance to take for someone who has pretty consistent dental issues resulting in crowns and an implant? My partner has shit teeth despite doing everything she is supposed to and it's bleeding us dry haha

      • watwatwat on 20/06/2023 - 14:41

        Do you brush twice a day and floss? How much money have you spent on teeth already and how many implants do you have?

      • grezk on 27/06/2023 - 12:22

        Go to a different dentist - haha. Seriously though, I would get a second opinion to make sure there isn't a more conservative approach you can take. Like a wait-and-see approach like root canal treatment, as opposed to a crown.

    • delfredo on 20/06/2023 - 09:15

      The world of health funds is so confusing. Some of Bupa extra products say 60% back or 70% back on items like general dental. From what I’m reading from you, sounds like AU is the best giving back 50% on average. Then I’m confused as to why Bupa has plans that give back 60% or more, are they not really 60%?

      • grezk on 27/06/2023 - 12:19

        A lot of it is marketing, they may give 60% on the more well-known procedures. However, a dental visit may consist of 5-10 line items (e.g. x-ray, fluoride treatment etc). Since these have lower rates of return, the average goes down in total. i.e. it is really hard to navigate.

    • MITM on 20/06/2023 - 19:46

      @grez Great insider info. Thank you.

  • Sketch3 on 20/06/2023 - 08:40

    Within the next 2 weeks I need to buy prescription glasses, get my teeth checked up (and a few cavaties filled) and in tye next 6 months eventually get braces (its unavoidable my mouth is just built wrong, its not cosmetic). As I'm young and never has health insurance before I'm not sure if this deal would apply to these things?

    • ste3man on 20/06/2023 - 10:42

      Far from an expert on this, but just sharing my personal experience of similar (approx 18 months ago):
      As I needed dental work (fillings mainly) and new to health insurance, I signed up to the highest option (Medibank Top Extras 90). I got the 6 weeks free promo years ago, so I think I paid $210 per month (hospital and top extras) for 6 weeks, then the following 6 weeks were free.
      2/6 months were waived so I could immediately claim 90% on fillings, with ‘2 free check ups/xray/scale & clean a year’ and also claim up to $250 on Specsavers (good for my high prescription).
      Once I had done all my dental & glasses, I dropped to Top Extras 60, after my 6 weeks free period had ended.
      Braces - most don’t cover for 24 months. So not sure how it works, maybe if you have a payment plan? But hopefully someone else can assist.

      Even if you quit heath insurance after 12 weeks, definitely better to have it to get fillings & opticians during that time.

      • michael9865 on 24/06/2023 - 13:14

        did it two years back on 100% cover, i'm assuming they don't have that anymore

      • RockyK9 on 25/06/2023 - 18:20

        New to PHI

        With the $250 claim on Specsavers, did the 90% also apply?

        For example, your order total was $300 which meant you were able to claim 90% which is $270 however with your limit, you only got back $250? Did you get the benefit immediately?

    • Birdseye on 20/06/2023 - 14:27

      Extras can cover at least some of all these things. Hospital cover is different, and this deal is for both hospital and extras.
      Extras cover is actually pretty good value really even if you just use general dental (check ups, fillings) and optical. You have to get a higher level of extras cover to get braces covered, I'm not sure if it works out to be worth it for that. If you do get cover for braces, try and get them done around the end of the year and the start of the next - that way you can claim your full orthodontics limit for two calendar years (if they can splitit up over multiple appointments)

      • Birdseye on 20/06/2023 - 14:28
        +1

        Also note that orthodontics (braces) will have a 12 month waiting period before you can claim, so I'd suggest getting cover sooner rather than later if you want to go down that path

  • kickling on 20/06/2023 - 08:44

    FYI this is for hospital and extras.

    For hospital only you can get 4 weeks free using code 4WFHOSPITAL

  • cocomelon on 20/06/2023 - 09:32

    anyone knows? if i cancel the policy will i get the refund included the 4 weeks free from medibank?

    • OldBugger on 20/06/2023 - 10:01

      Say that again?

      • cocomelon on 20/06/2023 - 10:09

        If I switch to another private health insurance (PHI) provider after being with Medibank for 2 months and receiving 4 weeks of bonuses and 50,000 rewards points, will I receive a refund for the value of the signed-up bonus? Additionally, my policy with Medibank is paid up until August, including 4 weeks free and a $200 credit.

        • OldBugger on 20/06/2023 - 10:14

          I'm in the same boat with medibank. You won't get your points refunded so I used them on amcal gift cards. I couldn't get a straight answer about refunding unused premiums from medibank so I suggest scheduling the churn a week before your paid up to date.

  • InTheMarket on 20/06/2023 - 09:41

    Does anyone know if I'm trying to avoid paying the extra tax, do I need private health insurance for the whole year or am I able to still get it and avoid paying the tax?

    • cocomelon on 20/06/2023 - 09:49
      +2

      it calculates how many days you have your PHI in 365 days

    • kickling on 20/06/2023 - 09:49
      +2

      You will pay loading on any days you do not have cover, pro rata

  • herpadurkastan on 20/06/2023 - 10:22
    +5

    Just a word of warning to all, make sure you manually link your EDR and BUPA accounts within 30 days as the T&Cs on the EDR site when I signed up with did not originally state this and now I’m embroiled in a poop fight between both BUPA and Woolworths brushing me off to eachother to receive my EDR bonus points - saying it is the other parties responsibility to confirm whether I’m eligible to receive them. Especially Woolworths EDR, don’t want a single thing to do with it.

    • kickling on 28/06/2023 - 23:12

      Just registered my login. I can't find the place in my account to even look at the EDR number / details… but my policy hasn't started yet, so maybe that's why.

      • herpadurkastan on 29/06/2023 - 09:21

        Yeah, plus I’m pretty sure you have to do it through the Everyday Rewards app under “partners” and link your accounts that way.

  • and on 20/06/2023 - 13:28

    So, let me ask you, guys.

    I just entered the details of the 21 y.o. person and it turns out that the cheapest combined policy I can get is $16/week, if you want to claim something meaningful i.e. optical) its $20/week.

    So I can pay $64/month and claim $300 worth of everyday rewards after 2 months, right? $128 vs $300?

    • VantageXL on 20/06/2023 - 13:33
      +4

      You only have to pay for one month and then you get 6 weeks free so you’ll likely only end up paying $64 for the $300 worth of points.

  • alterego13 on 20/06/2023 - 13:52

    Switched to HCF in November from Bupa! Think I wont be eligible for this…

  • Westpac on 20/06/2023 - 14:11

    if you only want hospital cover for tax purposes is it better to just go with the cheapest insurer? or is it worth paying that extra for extras and better hospital cover?

  • mrhorse on 20/06/2023 - 14:15

    As an existing member with an emergency cover ($2.85 per fortnight), I am offered with 12 weeks free instead of what’s in the EOFY offer, 10 weeks free + $300 everyday rewards.

    • and on 20/06/2023 - 15:56

      Was it automatic, via email or you had to contact them?

  • Birdseye on 20/06/2023 - 14:30
    +1

    Thanks OP, turns out BUPA is cheaper per fortnight than my current provider for similar cover, so with all the weeks free and points I'll be over $1k ahead over 13 months :)

    • MITM on 20/06/2023 - 19:52

      👍🏻

  • nephilim on 20/06/2023 - 14:31

    Worth visiting your branch to arrange this deal if you have lots of free time, last time I did this deal they gave me a free visit to dentist voucher.

  • Drakesy on 20/06/2023 - 14:45
    +2

    Their baseline hospital is such a trash policy, along with the extras.

    Classic Private health lobbyists forcing people into taking out expensive shit policies to minimise tax.

    • tessel on 20/06/2023 - 16:39

      Honestly isn't that what people want though? I'm not sure about the expensive part as I've never had private health insurance. They want to minimise their tax and want to pay as little as possible for private health? So they don't care what is included as they only care about what they pay on tax. The demand is there and these companies are providing what people want.

      • Drakesy on 20/06/2023 - 17:23
        +1

        The thing is, it's these healthy individuals who are in the higher tax brackets who already pay huge medicare levy's that are donating to Private health companies in return for nothing so to minimise their tax. The Private health companies know this and fully exploit it so as to just undercut the tax they'd otherwise pay.

        I'd personally put $1000 extra into medicare than into a Private health company.

  • TrulyUnicorn on 20/06/2023 - 16:19

    Question, I'm thinking about signing up for Health Partners under their current "8WFREE" deal, see below:
    https://www.healthpartners.com.au/health-insurance/promotion…

    "This Offer is available for new members on new memberships who join and start a combined Hospital and Extras cover (eligible cover) by 30 June 2023 and who have not held Health Partners health cover in the last 12 months. If the new member maintains eligible cover continuously for 60 days from the cover start date and remains on an eligible combined cover during this period, they will receive 4 weeks free. The policyholder’s membership must be financial to receive this initial 4 weeks free. The initial 4 weeks free cover will be applied to the eligible cover within 30 paid days after completing 60 continuous days of paid membership to allow for data and processing time."

    Does this mean after 60 days I get an additional 4 weeks free or do I get 4 weeks from that 60 days rebated?

    Cheers

    • MITM on 20/06/2023 - 20:00

      After paying for 2 months you’ll get 1 month free. Not sure when you’ll get the next free month, maybe the 13th month is free.

  • PeeDee on 20/06/2023 - 18:04

    Is this something you can only get online?

  • bigspike on 20/06/2023 - 18:27

    So new customers only. What if our current policy with Bupa is in the wife's name, but we make a new policy in my name? Will all the same levels apply if we both have always been on the same policy?

    • screensaver on 20/06/2023 - 18:32
      +1

      No but this is the second time they have had this deal. Churn elsewhere for 12 months and then keep an eye out for this offer

  • gembel on 20/06/2023 - 20:26

    Signed up today. Transferring from ahm, with start date on 21st.

    Only received email "We are finalising your membership." Haven't received another email.

    Do i need to do anything?

    • vegemite2008 on 21/06/2023 - 17:53

      I signed up last week 16/6.

      I contacted their customer service online. Some wait time, but after I spoke to them they sent me the welcome pack.

      This is an amazing deal.

  • ady211 on 20/06/2023 - 20:27

    Made overpayment to Medibank using Coles card need to check what happens if I switch with overpayment

    • zer0ne on 20/06/2023 - 20:48

      Keen to know too! Hopefully they refund the premium to your bank account and not the Coles mastercards

      • ady211 on 20/06/2023 - 21:09
        +2

        Have posted a query to them will update once I get a response

        • zer0ne on 20/06/2023 - 21:15

          Hmm i found this for Bupa where i intend to use the coles cards, if the coles cards dont accept refunds it might come under the limited circumstances mentioned below

          How refunds are paid
          Refunds are always paid to the original payment source. This is the credit card or bank account that was used to make the payment.

          There are very limited circumstances where a refund may be paid to a different source and may only be considered where a refund to the original payment source was rejected by the issuing bank or card provider.

          • ady211 on 21/06/2023 - 10:43
            +2

            @zer0ne: Medibank refunding to bank account spoke with them just now

            • zer0ne on 21/06/2023 - 13:11

              @ady211: thanks for confirming, i'm with AIA currently , hopefully they do the same

  • AlphaC on 20/06/2023 - 21:13

    Where do you find your Bupa referral code?

    I'm on their app but can't locate it.

    • EBG on 21/06/2023 - 10:57

      I haven’t been able to find it either… maybe they no longer exist?

  • Roe Jogan on 20/06/2023 - 21:15

    so i need to decide if i should get private health cover or start paying "private health cover medicare levy surcharge" which is %1 of my income. that equates to $1k surcharge.

    is it a good move to get bupa health cover just so i dont have to pay the surcharge this coming tax year?

  • qkr on 20/06/2023 - 22:15

    Be aware the terms and conditions state you must pay via direct debit to be eligible for the bonus offers.

    • Notoriousbird on 20/06/2023 - 23:09

      So paying via paypal wont count?

  • Cits on 20/06/2023 - 22:57

    Could anyone share their experiences with claiming corrective laser eye surgery on health insurance. My quotes have been exorbitantly expensive. My thinking now is get it done at the end of a holiday in SE Asia or if there's a cover for it do the maths on that.

    • snkrfrkr on 21/06/2023 - 20:34
      +1

      Not many heath funds cover laser eye surgery from memory, and there's usually a long waiting period which typically offsets any savings, unless you are getting other elective procedures done.
      Last time I looked, these were the HFs that covered:
      BUPA (ultimate gold cover)- covers most, if not all of laser costs, but has a 36month waiting period.
      Medibank (gold ultra)- covers approx. 3k, also 36month waiting period.
      AHM (lifestyle extras)- covers $600, but has a 24month waiting period.

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