6 Weeks Free after 30 Days, 2 More Weeks Free after 13 Months, 2- & 6-Month Waiting Period Waived @ Bupa

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roadeh on 16/01/2024 - 10:46 bupa.com.au (732 clicks)
Last edited 16/01/2024 - 14:28 by 1 other user

8WEEKSFREE

Not as good as this deal https://www.ozbargain.com.au/node/782617, but was looking around to see who my next churn target could be for health insurance and this may fit the bill. As before, no point hanging on beyond the 6 week free period

T&Cs:

Get up to 8 (6+2) Weeks Free + 2 & 6 month waiting periods waived on Extras - Terms & Conditions
1. The Offer

Eligible Customers who maintain an Eligible Bupa Health Insurance Policy and pay by direct debit will receive from Bupa HI Pty Ltd (ABN 81 000 057 590) (Bupa):

8 weeks free over two years: 6 weeks free applied 30 days from policy start date (year 1), and a subsequent 2 weeks free applied after 13 months of continuous cover (year 2), with the value of each ‘weeks free’ payment calculated on the level of cover held at the time the payment is made; and
The 2 and 6 month waiting periods waived on extras: applied at policy start date.
2. Eligible Customer

You are an Eligible Customer if you:

have not held domestic Bupa health insurance within the last 12 months of your join date;
are an Australian resident over the age of 18;
take out an Eligible Bupa Health Insurance Policy (see Section 3) between 11/01/2024 and 14/02/2024 and commence your policy by 14/03/2024;
pay your health insurance premiums by direct debit ongoing to receive the offer in year 1 and year 2;
provide a valid email address; and
use promo code 8WEEKSFREE if joining online.
3. Eligible Bupa Health Insurance Policy

An Eligible Health Insurance Policy is a single, single parent, single parent plus, couple or family or family plus combined Domestic Hospital and Extras product or packaged product issued by Bupa and excludes:

Any hospital product when combined with Extras Saver cover;
Hospital only products;
Extras Only products;
Ambulance only products; and
Short Stay Visitors Products, Overseas Visitors Products, Overseas Student Health Products.
4. General

Yearly limits, other waiting periods, service restrictions (clinical reasonability rules), fund and policy rules apply.
The Offer is not available with any other Bupa promotional join offer provided by Bupa.
If you breach these terms and conditions before becoming entitled to the Offer then Bupa may elect, acting reasonably, not to award you with the Offer. If Bupa discovers the breach after the Offer has been awarded, then Bupa may decide, acting reasonably, to remove the Offer.
Bupa reserves the right to end, change or extend this offer at any time.
Bupa is not liable for any loss or damage suffered because of this promotion (except that which cannot be excluded by law).
The offer is available only if you join through Bupa direct channels and is not available if you join through a price comparator.
The Offer is not available to any customers attached to a corporate group including employees [or contractors] of Bupa, or any other Bupa Group company

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  U30004 on 16/01/2024 - 11:16

  Churn Churn Churn

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  ujwols on 16/01/2024 - 11:21

  +2

  PHI is one thing that I have figured is not worth churning in and out as no two policies are same. I am still on the policy that I got about 12 years ago which is now grandfathered and replaced with a new one with lot less inclusions, so imo it pays to be loyal on PHI

  • 

    redfox1200 on 16/01/2024 - 11:23

    how much have you used it though

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      ujwols on 16/01/2024 - 11:25

      Again, PHI is one thing which we must have but hope should never have to use it and fortunately it has been like that way.

      But having a good cover PHI gives you a piece of mind.
      So no I haven’t used it as much other than the extras (dental and optical claims)

  • 

    joeiwu on 16/01/2024 - 11:37

    +4

    I think that's subjective though, especially for people that haven't "locked in" a cover xx years ago.
    If you churn, not all covers are equal but a cover is better than none, and with 4-6 weeks & gift cards all over the place, successful churning could save families 50%+ yearly just on premiums.

    Nothing to sneeze about, given the website we are having a conversation on right now.

    • 

      JohnHowardsEyebrows on 30/01/2024 - 19:27

      Yep, and the fact is, most of us are only paying it because the government forces us. PHI in Australia is a scam, so it's better to get something back from it.

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  melcool on 16/01/2024 - 11:21

  hi rep, wondering if the optical cover can be used straightaway if purchase the insurance in this deal now? thanks.

  • 

    neoaesthetics on 16/01/2024 - 11:33

    I know you will be able to. The last 3 funds I've been with allow this if the 2 month period is waived (usual waiting period on optical).

    • 

      melcool on 16/01/2024 - 12:04

      thanks mate, will get this to claim the optical that I need. cheers.

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  seanmilt on 16/01/2024 - 11:37

  Can someone explain to me how the churning of extras works? Do we get a fresh set of extra balances to churn also?

  Lastly, it seems that these offers are only for those that have Private Hospital AND Extras, assume its not often we see offers on just hospital?

  • 

    alfawex on 16/01/2024 - 16:44

    The balance used on extras will also come over with you so you won't be able to e.g. use optical twice. Usual reset is then at year end although there are one or two providers who do the reset at mid-year.

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      Frozensage on 20/01/2024 - 23:45

      Churn between provider tha resets the extra limit in Jan and another in Jul to maximise the benefit

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  Koipanda on 16/01/2024 - 14:12

  "have not held domestic Bupa health insurance within the last 12 months of your join date"

  I swear it used to be 3 months

  • 

    djsydney on 01/02/2024 - 15:25

    I agree. I remember being 60 days or something. This 12 months spoils the game!

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  tunzafun001 on 16/01/2024 - 14:18

  Anyway to compare policies like for like (somehow)? I'm with Teachers Health, but the policy inclusions/ extras are very different than say HCF??

  • 

    caperite on 21/01/2024 - 00:44

    I think Choice has pretty good comparisons. Worth the subscription to Choice, imo.

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  Robbo95 on 16/01/2024 - 19:04

  What would be the most valuable package? Just wanting to use it for dental, and remedial massages I think. Unless there’s better options?

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  roosterben on 18/01/2024 - 11:42

  Good deal, just churned yesterday, after much over analysis of 15+ providers this seemed to fit our needs best and provide cheapest 13 month price.

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  Frozensage on 20/01/2024 - 23:44

  I churn between this and ahm so you get new extra limit every 6 month. Only reason getting PHI is to keep ato happy.

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  matthew1234 on 01/02/2024 - 16:50

  Has anyone tried using it in conjunction with this offer; https://www.woolworthsrewards.com.au/partners/bupa/150k-poin…
  Seems like a great deal if you do the 2 together.

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    roadeh on 02/02/2024 - 12:22

    They both require using a code so I don't see how it's possible sadly

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    roosterben on 02/02/2024 - 13:06

    If you read the fine print the Woolworths offer is not available in conjunction with any other offers. I went for the 8 weeks free instead as it is easier and quicker to get the benefit I reckon.