• expired

6 Weeks Hospital+Extra Cover Free after 30 Days, up to 140,000 Everyday Rewards Points, 2 & 6 Month Waiting Period Waived @ Bupa

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10WEEKSPLUS

Join Bupa on eligible combined hospital and extras cover by 10 April 2024 and get up to 10 weeks free (6 weeks free after 30 days plus 4 weeks free after 13 months), plus up to $700 Everyday Rewards dollars*. (That’s up to 140,000 Everyday Rewards points!)

Plus, we’ll waive the 2 & 6 month waiting periods on extras.*

T&Cs https://www.bupa.com.au/campaigns/health-insurance/ten-weeks…

  • Not eligible if you have held domestic Bupa health insurance within the last 12 months of your join date
  • 70,000 Everyday Rewards points (equal to $350 Everyday Rewards dollars) on a single, combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply)
  • 140,000 Everyday Rewards points (equal to $700 Everyday Rewards dollars) on a single parent, single parent plus, couple, family or family plus combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply)

Referral Links

Referral: random (263)

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.

Related Stores

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Everyday Rewards
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Comments

  • +2

    Shit show. Still no points and was promised by end of june.

    Today when contacted an agent with absolutely no idea still trying to say 3rd month is july when i joined march.
    Tired of this now

    • When I contacted them yesterday they said it will be paid after 90 days but they are 10 business days behind , so it could be 114 days

      • so, they are saying they are 10 business days behind the 90 days to process the points? I am up to 104 days now, so I hope that the 114 days is the worst case scenario. I just received the email from ER saying that now unlinked from Bupa (I cancelled 3/6)…I hope that doesn't stuff things up seeing I don't have the points yet

        • +1

          Yes, they said similar to me.

          I responded to the complaint saying that if Bupa didn't pay by the promised 'up to 90 days', I would lodge a complaint with the PHIO.

          Unlike Bupa, I keep my promises and will lodge the complaint if Bupa doesn't pay by 90 days.

          • @YesPleaseThankYou: via whatsapp….I complained again and said that the accounts are delinked and they said that it has to be linked to get the points. I pointed out that it is now 104 days since I joined and it is not my fault they haven't awarded the points yet

            • +1

              @souths123: Yeah, I received an email today saying that Bupa had been delinked from Everyday Rewards (EDR).

              I didn't do that. It must be some arrangement between Bupa and EDR.

              I don't care about the delinking; Bupa remains responsible for the payment of the points.

              • +1

                @YesPleaseThankYou: that's what I told them. I will see if I get the email response today from the case management team. I have already said if I don't get a satisfactory result I will be making a complaint to the ombudsman

              • @YesPleaseThankYou: still no email from them from a case manager…..was told I should have received one by end of business yesterday….grrr, getting a bit pissed now. This is going to be a real fight to get these points now that the accounts aren't linked anymore

                • @souths123: With all due respect, it takes 5 mins to lodge a complaint with the PHIO.

                  If Bupa has not responded to you as promised, that is sufficient for you to escalate it to the PHIO.

                  Multiple posts on here about the same thing isn't helping your cause.

                  • -1

                    @YesPleaseThankYou: also with all due respect, it keeps others up to date with what is going on with other people who are having issues. I am going to be putting in a complaint to PHIO. If there is no response from the case manager on Monday, I will then escalate it to PHIO. No point doing it today anyway, as it is the weekend.

                    • -1

                      @souths123: But you are not adding anything new, just rewording what you have already posted (multiple times). Good luck with it!

  • Points arrived today, exactly 3 months from my cover start date.

    • you are lucky, it is 104 days for me and everyday rewards delinked my Bupa account today

      • +2

        I need to check if my partner got it too. We signed up together.

        Update: My partner received her points just now. We didn't contact BUPA at all, and our cover started on 6th April. I signed up on 31 March.

        • seems to be no system as to who got points first. I would have thought it would be according to join date, but it is all over the shop for joining dates and many from April already have their points….whether still members or not. Many from March haven't received the points….it's like ours were totally lost in the system

    • +2

      Just coincidence, I'd say.

      Bupa overpromised and underdelivered with this promotion.

      It is evident that has poor processes and little regard for Australian Consumer Law.

  • +1

    I used the chat function in My Bupa app and I got the rewards points same day. Active account.

    • +2

      Just lucky. Chat isn't the magic solution.

    • +1

      Not surprising but it seems that having an active account increases the likelihood of receiving the points. I thought there would be more people maximising profit :D

      • +1

        yes, if you still have the account active it would definitely be easier to get the points credited (if an issue like this)….people that cancelled are now having their ER accounts delinked before getting the bonus points credited (me included….104 days since joining, cancelled at 73 days)

  • getting the run around from Bupa and ER….both say the other is responsible for crediting the points. In the meantime my Bupa and ER are now delinked (as of today) from ER end.

    • It's just weird that my Bupa and ER are still linked even tho I cancelled my Bupa about a month ago… 104 days since joining, no points yet…

      • mine is 104 days today as well, don't be surprised when you get the email from ER to say it is delinked…I cancelled on day 73

        • +1

          Sorry just realised I typed in the wrong date…It's 111 days for me! And I cancelled on day 80.

          I actually reached out to Bupa before cancellation to make sure the 60 days requirement is met and they said yes. I am now using this screenshot to argue, but it seems like Bupa is the one crediting the points, not ER. Not sure about this, but it's just so frustrating to argue with both of them…

      • +1

        It seems they credit points or unlink Bupa and ER on Friday afternoons based on what I've noticed. My acccounts were unlinked last Friday. (108 days since joining as of today, cancelled on day 73).

        • Will find out this afternoon then

    • +2

      same bullsh1t for the promotion last year. In the end I had to go through ombudsman to get the monkeys to assign the points

      • +1

        Compensation? I never settle for what should have been offered by default.

        • I've asked for BUPA to have some integrity, I should have aimed lower as I know that's too much to ask and I won't get it.

  • Joined 4 April 2024 and received the points yesterday (5 July 2024).

    • +1

      you are lucky. I think the rest of us missing the points (from March join) will prob have to go through the ombudsman to get them credited (many of us now have had our accounts unlinked from ER….their end, it is now 105 days from joining for me and I left on day 73, accounts unlinked yesterday by ER, so I can't see how they can award the points now automatically, as they aren't linked anymore)

  • +1

    Anyone receive points over the weekend , I’ve been told I should get the points this week as at the end of the week it will be 90 days plus 10 business days

    • I joined on the 8th of April and was told that I should expect by the 18th of July. And that if I hadn't received points by the end of the month call them back.

  • +1

    Day 114 - no points yet.

    Reported to Bupa last week and just got an email from them, saying I’m ineligible because free periods applied as part of my sign-up offer do not count towards the 60 days. Total BS!

    • There you go. All sorts of reasons keep coming.

    • +1

      then why did other people get it, that is a crock

      • +1

        They basically dont have a rule to follow. They do whatever they want.

        • +2

          I still haven't had a reply on my case number (was supposed to get a reply by end of business Friday at the latest according to them), but I have just lodged a complaint with the ombudsman

    • I assume your policy was cancelled ?

      • Yeah but some people who cancelled their policies also got their points.

        • +2

          Yeh it’s stupid , some people signed up and cancelled and got points , some people signed up in March and haven’t cancelled and haven’t received points , some people signed up in April and have received points . It’s a shit show .

    • +1

      see my update info on the last page of this thread

      • +1

        Thank you for sharing and congrats on your win! Bupa is currently investigating my case and hopefully they will honour my points soon.

  • +6

    I was another one that signed up in March and then cancelled after holding the policy for 75+ days. Despite receiving assurances that I would still receive the points if I cancelled I received the below today.

    Dear xxxxxx,

    Thank you for your patience while we investigate your case with regards to the Everyday Rewards offer. Our Woolworths Partnership team have completed the investigation and found that your policy has only received a total of 45 days of actual payments, therefore, the eligibility criteria has not been met for the Everyday Rewards points to be deposited. According to the terms and conditions of the offer, you will need to make all required payments for 60 days by direct debit.

    If you are unhappy with this outcome, you may escalate this matter further to our Customer Relations Team (our highest point of escalation). To do so, please complete this form https://www.bupa.com.au/health-insurance/understanding-your-…. The current turnaround of our Customer Relations Department is sitting at 3 to 6 business days, once the complaint has been submitted.

    Alternatively, you may also contact us via our channels below and our team can help you escalating it on your behalf to them or if you need assistance with anything else. We will now proceed with closing this case.

    Sincerely,

    xxxxx

    Next step is now the PHIO.

    • Wow. Can't believe how much of a shit show this has been compared to churning with credit cards.

      • +2

        Yeh and It’s the first time I’ve signed up for health insurance to churn, maybe il stick to credit cards lol

    • +4

      The terms said all required payments for 60 days, you're not required to make payments during the free weeks. They clearly don't understand their own terms.

      • +2

        And yet they still try to sneak the “top up” charge in there as well.

    • +3

      I've also ended up having to just go to the Ombudsman. It's a shame because I think something just went wrong with the promotion and instead of trying to fix it they're trying to make up reasons why the points weren't awarded. It's clear they intended to award the points and have for a number of people, including those who cancelled. They were telling me that them saying they were awarding points in the third month after taking out the policy meant the policy needed to be held for 90 days and the terms explicitly stating it needed to be held for 60 days weren't relevant.

    • +1

      Rubbish.
      They come up with whatever reason.

    • escalate via that link they gave you. I did that and finally got a good result (I cancelled at 73 day mark, if that helps) I am supposed to get my points in 5-7 working days and received an apology for the wrong info given in my initial rejection

  • +1

    Got the same email.

  • Opened the everyday rewards app with an extra 140k points and thought for sure it must be some sort of mistake only to finally recall this promotion that I had signed up to in late April.

    • +1

      Very luck, I’m still waiting and signed up in March

  • Ouch what a mess.

    Just seeking advice for my situation (and to help anyone in a similar situation)

    I signed up 10th April
    First Payment made 20th April
    BS 'top-up' made 10th May
    Next Payment due tomorrow 10th July

    Haven't received any points yet.

    Should I cancel knowing i'm past the 60 days but haven't 'paid' for 60 days?
    Contact them to try and clarify in writing?
    Just pay the next payment for sanity sake? (knowing it'll cost me another $200 or so and greatly reduce the 'value' of the deal)

    Thanks in advance for any advice!

    Think i'll avoid BUPA for any future bonuses….

    • Makes no difference what you do.
      1.Move somewhere else now, chase/ wait for the Bupa points (you have met the T&Cs).
      2.Stay longer, make another payment. Then move a few days later, the unused part of the payment will get refunded.
      3.Just stay with Bupa.

      All scenario's you get the points!

      • Appreciate your reply.

        I don't want to keep the insurance or stay with BUPA longer than needed - was purely after the points.

        I understand I have met the T&Cs based on how most people viewed them but seems like BUPA is trying to enforce a 'different' understanding of the 60 days based on recent replies…and I know it's potentially a time consuming pain chasing things up via complaints/AFCA/Ombudsman.

        Who exactly do I complain to for health insurance?

        Good to know they do pro-rata though - might just suck it up and pay for a few more weeks to meet the '60 days'

        • You can also move your payment, you can move it a week out and pay for the next week

        • +2

          Give me a P…. 'P'…. give me an H…..'H'…… you get the drift… right here..

          https://www.ombudsman.gov.au/industry-and-agency-oversight/p…

          • @tunzafun001: well, we will see what happens for all of us from our complaints to ombudsman. I won't hold my breath, but will be happy if we get them

            • @souths123: T&Cs are there ..that's all the Ombudsman cares about.

              • @tunzafun001: when did you put in your complaint to ombudsman? Would be good to hear how that one turns out, as I did mine on Monday 8th July.

                • @souths123: The ombudsman seemed to be saying it could be months. I gave BUPA my ombudsman ref to go with my escalation.

                  • @Miss B: I should have given them the ref as well when I replied to their follow up email. I gave my Bupa ref to ombudsman. I just told Bupa I had submitted a complaint to them

  • Signed up March 17th and ended the policy 31st of May. Definitely eligible for the points.

    Contacted BUPA today and they're claiming because I haven't made payments over 60 days that I am not eligible (due to the free period).

    The terms straight up don't say that

    " Eligible Customers will collect 70,000 Everyday Rewards points (equal to $350 Everyday Rewards dollars) on a single combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply) or 140,000 Everyday Rewards points (equal to $700 Everyday Rewards dollars) on a single parent, single parent plus, couple, family or family plus combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply) which will appear in their Everyday Rewards Account in the third month after taking out an Eligible Bupa Health Insurance Policy and hold for 60 days after joining."

    Will need to end up contacting the ombudsman

  • +1

    just got a follow up from Bupa after saying no to points to escalate….I just gave them a piece of my mind about the whole sht show and that many of us have complained to ombudsman about this and how inconsistent the whole awarding of the points was and the wording in the T & Cs have been totally ignored.

    • Did you get any sort of confirmation email when you submitted your complaint to Bupa? I submitted one on Monday however have not received anything to suggest it even went through.

      • Yes, i did get an email with a new case number

      • +1

        my follow up escalated complaint to Bupa is getting me the rewards points in 5-7 working days (as of their reply this afternoon)

  • +5

    Bupa's conduct in respect of this promotion has been dishonest and disgusting.

    The sooner everyone lodges a complaint with the PHIO, the sooner the Ombudsman will haul Bupa in for a case conference.

    Those who have been declined EDR points for taking up both the free points and 6 weeks free offer - Bupa marketed the two elements together. In fact, the terms were listed together, from the heading down. This was not an either/or promotion.

    Imagine working for such a deceitful company.

  • +2

    One more on the list of those awaiting points, was told to wait 100 days, called today and it has been 'escalated' to the concerned team. Joined 2nd April and still on the same level of cover.

  • +1

    Signed up 28th March , just got the points today, it has been 90 days plus 10 business days . Kept the policy active and just cancelled

  • Got points today after following up via chat. Signed up 10 April and didn't cancel.

    • Same here. Got the 140k point yesterday after following up via chat 2 days ago. Signed up on 11 April and didn't cancel too.

  • Points credited today, Rewards activity shows credit date as 27th March.

  • +8

    Received an email from Bupa bullshiting that since I have only paid for 39 days so I am not eligible. Filed complaint to ombudsman.
    https://forms.ombudsman.gov.au/prod?entitytype=phio&layoutco…

    For anyone doest get points but a bit reluctant/lazy to lodge complaint, I used chatgpt to refine my case and am quite happy with the result. Feel free to copy and make some adjustments accordingly.

    I am writing to formally lodge a complaint against Bupa Private Insurance regarding their failure to honour a promotional offer and an unauthorized charge to my account.

    Background
    Bupa ran a promotion for customers who joined between 14 March 2024 and 10 April 2024, with the policy commencing by 10 May 2024. The promotion included:
    Six weeks free applied 30 days from the policy start date.
    140,000 Everyday Rewards Points, equivalent to $700 Everyday Rewards dollars, to be awarded in the third month after taking out an eligible Bupa Health Insurance policy and holding it for 60 days.

    My Case
    Joining and Payment Details
    On 16 March 2024, after being with XXX for years as XXX tier members, we joined Bupa during their promotion period, paying $XXX.xx monthly for an eligible policy (Basic Plus Starter Hospital $750 Excess + Freedom 50 Extras). Membership No. xxxxxxx.
    According to the terms and conditions (T&C), we should have received six weeks free from the 30th day of joining (14 April 2024), meaning no payment should have been required from 14 April to 25 May 2024.

    Unauthorised Charge
    However, on 16 April 2024, Bupa charged us $124.62 without any prior notice or explanation. This charge contradicted the T&C, which specified a six-week free period starting on the 30th day of joining. Consequently, the next payment date was erroneously set to 16 June, effectively extending our payment period and delaying the application of the free weeks.

    Point Eligibility
    On 4 June 2024, after holding the policy for 80 days, we cancelled it and signed up with XXXX health insurance. Before cancellation, we confirmed our eligibility for the promotional points with Bupa representatives, who assured us we had met the criteria by holding the policy for 60 days. We were instructed to wait for the points, which were supposed to be awarded in the third month (June 2024).

    Issues Faced
    Non-Issuance of Promotional Points: From late June to 7 July, I made multiple attempts via phone calls and webchats to inquire about the points, which had not been awarded. On 8 July, a case manager from Bupa (Case Reference: XXXXXXXX) informed us via email that we were not eligible for the 140,000 Everyday Rewards Points because we only paid for 39 days, not 60 days, claiming that the T&C required 60 days of PAID coverage.

    Misrepresentation of Terms and Conditions: The T&C did not specify the requirement of 60 days of paid coverage; it clearly mentioned the necessity to hold the policy for 60 days. Bupa’s refusal to issue the points is a clear violation of their own stated terms.

    Request for Resolution and Compensation
    I request the Ombudsman’s assistance in resolving this matter by:

    1. Ensuring Bupa honors its promotional commitment and issues the 140,000 Everyday Rewards Points.

    2. Addressing the unauthorized charge of $124.62 and ensuring a refund for this amount.

    3. Providing compensation for the inconvenience, time, and effort spent in resolving this issue. I believe a compensation of $200 is reasonable to cover the distress and inconvenience caused, and to serve as a penalty for Bupa’s dishonor of their promotional terms.

    4. Investigating the broader issue to prevent other customers from facing similar problems.

    At last:
    To attach supporting documents, please save and upload the files provided by our legendary community members from this thread.

    Bupa’s promotional T&C: https://web.archive.org/web/20240428082247/https://www.bupa.…

    Everyday Rewards promotion T&C: https://imgur.com/a/woolworths-bupa-edr-f3dU7xc

    Good luck chasing up the points! $700 is a lot these days.

    • did you provide your new PHI membership number or Bupa's on the Ombudsman form (below the complaint fields where they are asking if you have PHI)?

      • +1

        I put in Bupa's so the Ombudsman can use it to better approach Bupa (in case Bupa asks for a membership number), saving the potential back and forth.

    • +1

      The ombudsman finally kicked in last week, took around 45 days, and then Bupa contacted me to confirm my requests today. They are aware of the large-scale issue and quietly happily told me that they will upload points to my ER account manually. Regarding the refund and compensation, the man said he is checking with his manager to see what they can offer, probably not $200 but definitely something.

      Dont give up!

      • +1

        I'd say if the $200 is unreasonable…$300 will be fine instead.

  • Joined 30th Mar and got points yesterday. :)

  • +2

    Seems like they sticking to the whole "you didn't do the 60 days of 'required' payments" line, which is not an interpretation anyone would make from reading the T&Cs. Clearly deceptive marketing, and random as to whether you get paid or not.

    I'll complain to the ombudsman, but I don't feel like its going to do anything.

    Bupa are scummy as hell

    • You also have the option of taking Bupa to Fair Trading or equivalent in your state. I will do this if unsuccessful with the PHIO.

      The more that complain to the PHIO, the greater the visibility this issue will get. Bupa's complaint statistics will surely be the worst in the industry after its conduct in recent months.

      I also encourage people to lodge a report with the ACCC in respect of Bupa's deceptive conduct. The ACCC can't help with individual complaints, but it can and does act against entities where needed.

  • +2

    Bupa are a bunch of scum, I've asked them to cancel multiple times via the app they keep saying yes then asking straight after do you want to cancel been 2 weeks now of that and whenever i call them it takes over an hour to get in touch and then it gets no where

    • +1

      When I called to cancel rep asked me the usual "why do I want to cancel questions" and the scare talk saying I won't be covered etc. Then claimed their system was being slow and kept me on the line for like 8 minutes in silence. Once their system "started working again" she asked me all the questions again. Call be a cynic but it felt like she was hoping I would just hang up.

      Have submitted two complaints now about not getting the 140k points through their websites 2 weeks apart and have not even received a confirmation.

      • Both of you need to lodge complaints with the PHIO.

  • -1

    this is in the T&C and they will use this to weazel their way out of it

    "Bupa and Woolworths reserve the right to alter, shorten the period of, adjust any details of, or cancel the Everyday Rewards Offer or this promotion at any time in their sole discretion"
    line h in General
    so, unless PHIO see it our way, we are stuffed

    • +1

      Rubbish.

      Once you have signed up, the rules in effect at the time apply. That clause simply allows Bupa to end the promotion or change the terms from that point forward, eg, offer less points.

      If that clause had any retrospective effect, then contracts everywhere would include the term. Contracts would be unenforceable, and the commercial world would collapse.

      Some marketing moron within Bupa has copied the term from some other dodgy and improperly worded promotion.

      • until I get the green light from the ombudsman, I won't believe anything.

  • +2

    BUPA chat replied that I'll receive points after 100 days of joining LOL
    So, initially, T&C 60 days, then 90, now it's 100 days )))

    • As someone who has been waiting 123 days, they're full of shit.
      In the third month, after 90 days, by the end of the month, within 10 business days…

  • +1

    Anyone heard anything from ombudsman ?

    • no, but see my post below

  • +4

    an update to my escalated case with Bupa has now yielded a win! Received another reply after telling them again what happened and my everyday rewards number etc, and I will be getting the 140,000 points in approx 5-7 business days. They apologised for being given the incorrect info in my initial case reply….where they flat out told me I didn't qualify. (I had told them each time I had lodged a complaint with the Ombudsman)

    Anyone that didn't receive another email from Bupa to escalate after their initial complaint was rejected….try again

    • Did they call you?

      • +1

        no, received a follow up email from the escalation team at Bupa

        "Hope this email finds you well. Thank you for your patience while I have investigated your case.

        I would like to confirm that your Everyday Rewards points will be allocated to your Rewards account in the next 5 to 7 business days.

        I can understand your frustration and do apologise for the incorrect information provided. Should you not receive your points in the above timeframe please reply to my email and I will investigate further.

        This now brings the review to a close and your case has been finalised. If you are not satisfied with this outcome, you can ask that your case is escalated to a formal dispute for a Senior Customer Relations Specialist to review. Simply let us know by return email, or by calling 1800 802 386, why you feel we should have reached a different outcome and provide us with any new and relevant information. "

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