6 Weeks Free after 28 Days, 2 More Weeks Free after 13 Months, 2- & 6-Month Extras Waiting Period Waived @ Bupa

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6 Weeks Free after 28 Days, 2 More Weeks Free after 13 Months, 2- & 6-Month Extras Waiting Period Waived @ Bupa
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soan papdi on 20/08/2024 - 20:59 bupa.com.au (184 clicks)
Last edited 20/08/2024 - 22:39 by 1 other user
8WEEKSFREE

Yes yes, BUPA is expensive and not for everyone. For churners, this works out to 6 weeks free as no one sticks around for a full year. Main points to note are:

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

  • In most cases, your 6 weeks free will be applied 28 days after you join, extending the date you’re “paid to”. The remaining 2 weeks are applied once you’ve held eligible cover for 13 months, extending the date that billing cycle is “paid to”.

  • If you join through a Bupa consultant and pay yearly, your first payment will be reduced by the value of 6 weeks. The remaining 2 weeks are applied once you’ve held eligible cover for 13 months. This means your third yearly payment will be reduced by the value of 2 weeks.

Read the T&C for all conditions.

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Comments

  • easternculture on 20/08/2024 - 21:02

    Bupa lol.
    Have been chasing them 2 weeks so far for the $350 worth of everyday points.
    Will be escelating to ombudsman next week

    • Bujji11 on 20/08/2024 - 21:08

      I had the same issue, they advised I need to have my everyday rewards account and bupa to be linked from my app and then raise an escalation then O got my points in a week and then I switched to HCF for the $450 gift card

      • easternculture on 20/08/2024 - 21:09
        -1

        I already switch to teachers health for 4 weeks free after first premium so effectively 6 weeks for $85.

        Kept my bupa active but will ask TH to cancel policy when bupa process the points and they will refund from when i started with TH

        Already have chosen my next churn after TH

        • nned2say on 20/08/2024 - 21:47

          how many churns do you have for a financial year？

          • easternculture on 20/08/2024 - 22:14

            @nned2say: At least 6

            • txb on 20/08/2024 - 23:10

              @easternculture: How much do you think you save churning? Any negative from churning (apart from proces of churning over and over)

              You'd have to be consistently churning over a year to get the sweet significant savings. But if there's a period of non free weeks you're forced to go on the cheapest at the time in that year vs locking/prepaying for a pre April price hike. I take you've done the math on risk reward assessment and find its in your favour?

              • easternculture on 21/08/2024 - 11:26

                @txb:

                But if there's a period of non free weeks you're forced to go on the cheapest at the time in that year vs locking/prepaying for a pre April price hike. I take you've done the math on risk reward assessment and find its in your favour

                In that case you use TCB CTM for $200 to $250 cashback depending on offer. Also min period for cashback to be paid is 1 month with insurer

            • boretentsu on 20/08/2024 - 23:29

              @easternculture: I'm curious, what did your churn history look like for FY23? What were the providers you switched to and what was the total amount of PHI you paid.

              • easternculture on 21/08/2024 - 08:34

                @boretentsu: On my tax return i usually have 6 or 7 different PHI listed.
                I churn to best offer at that time that provides free weeks +/- gift card. Last too times i used compare the market via TCB so got $500 cashback too.

                Without TCB maybe equivalent to 4/5 months paid factoring in gift cards/free months. Now we have TCB CTR , its likely to be free this year (so far this financial year ive made a profit)

                • boretentsu on 21/08/2024 - 12:23

                  @easternculture: So what list of providers did you churn to in fy23?

                • txb on 21/08/2024 - 12:29

                  @easternculture: Inspiring! Nice. Never thought to churn phi, is it much a like churning energy providers - you sign up to the next provider and they handle everything else? do you get any overlap of insurance coverage or it seamless on your tax statement?

                  • easternculture on 21/08/2024 - 12:59
                    +1

                    @txb: If you provide authority and details to your new provider, they handle the cancellation and transfer certificate

                • nned2say on 21/08/2024 - 12:46

                  @easternculture: @easternculture, do you mean we can use TCB CTR multiple times?

      • Ozzster on 20/08/2024 - 21:13

        Same happened to me too. The only difference is that for HCF I was offered $100 gift card. And after switching HCF started saying that I will get free weeks not as soon as I accomplish the required period. This part is dodgy, they said "you become eligible" but it doesn't mean they gonna give me 6 weeks right away. I have been waiting for a month, no free weeks appeared. I was bombing their support and all places where I could. It became even worse, they said to remain eligible you must keep paying and waiting. After all, I spent more than 2 months waiting for the 6 free weeks with HCF, and about 5 hours on calls with their support.

    • rcgy on 21/08/2024 - 08:58

      I'm on day 66 of waiting for them to credit the points. Escalate to the ombudsman now.

      • easternculture on 22/08/2024 - 12:35

        Just got points now, after threatening ombudsman

        • rcgy on 22/08/2024 - 14:39

          I've already submitted a complaint to the ombudsman, feels like there's nothing left that I can do other than just phone up every week.

    • nightelves on 21/08/2024 - 10:14

      With Bupa when you eventually get your points and when you cancel what portion do they refund?

      • easternculture on 21/08/2024 - 11:24

        The date you joined new fund

        • nightelves on 21/08/2024 - 12:34

          You’re saying they refund you upto 60 days as well as giving you the points? Sounds too good to be true.

          • easternculture on 22/08/2024 - 12:37

            @nightelves: Its the law. They refund you from the day you start new fund as long as you havent made any claims from the new fund date

  • GeneralKeen on 20/08/2024 - 21:16
    -1

    No additional rewards points?

    • soan papdi on 20/08/2024 - 21:20

      Not in this offer, from what I can see

  • Sang11 on 20/08/2024 - 22:43

    If Bupa is no good, who's the best PHI to go with?

  • Drakesy on 20/08/2024 - 23:06

    Churned this when they gave away $350 woolworths rewards with it.

    Now moved to frank for their 2 months free

  • ShouldIBuyIt on 21/08/2024 - 06:59

    Is there a wiki for PHI churning? Similar to credit card… Would be handy. Only need dental

    • lasterato on 21/08/2024 - 09:26

      How does churning work with waiting periods though?…

      • Drakesy on 21/08/2024 - 10:47
        +1

        You only really churn PHI if you're using it as a trash policy/tax avoidance.

        • ShouldIBuyIt on 21/08/2024 - 12:55

          Oh so people only churn extras?
          What's the best hospital cover option?

    • IXXI on 21/08/2024 - 14:55

      Can you share Credit Card Churn Wiki link please?

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