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7 Weeks Free Health Insurance (COVID-19 Benefit, Stacks with Signup Benefit) @ GMHBA

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7 Weeks Free Health Insurance (COVID-19 Benefit, Stacks with Signup Benefit) @ GMHBA
Go to Deal
machej on 06/09/2024 - 21:30 gmhba.com.au (10384 clicks)
Last edited 07/10/2024 - 09:48 by 4 other users

An insane deal as it seems to stack so you get the sign up benefit (expires 20/9) + Covid return benefit if signing up before 13th September. Duplicate offer removed from title — Mod.

Here is the Covid deal: https://www.gmhba.com.au/campaigns/returnofsavings

Here is the signup deal which has previously been posted on Ozbargain: https://www.ozbargain.com.au/node/863079

Could be worth >$1000 of value to some people.

⚠️ Important Notice ⚠️

Terms of the campaign was changed. To qualify for the upcoming return of COVID-19 claims savings, GMHBA members need to hold an active private health insurance policy from 13 September 2024 and remain active on 30 September 2024. See the full terms on their website.

The deal expiry date is updated to reflect 13th Sept as the last day to obtain this offer.

Most eligible members who were active on 1 September 2024 will have had their paid-to date moved forward by 7 weeks on 30 September 2024.
New members who joined GMHBA or reactivated their policy after 1 September 2024, and met the eligibility criteria for the 7-week contribution, will have this applied to their membership in the coming weeks. We will communicate further details with these members once the contribution has been made.

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closed Comments

  • easternculture on 06/09/2024 - 21:34

    damn signing up asap

  • Aureus on 06/09/2024 - 21:41

    Crazy good deal.

  • Uvani on 06/09/2024 - 21:58
    +1

    Can anyone confirm if it stacks

    • machej on 06/09/2024 - 22:03
      +5

      Yes it stacks, in my welcome email they say I get it and I got the sign up deal. I just churned from Qantas after collecting the 60,000 points.

      • Harsh Deep on 06/09/2024 - 22:39

        i have AHM one https://www.ozbargain.com.au/node/853764
        which i purchased on 30th of june, and i am waiting for $100 refund.
        Just want to know, what is the different between these 2 policies, Can i keep these 2 together and what should i do ?? someone care to explain please. don't know much about these health covers and how thay work.

      • nightelves on 06/09/2024 - 22:40

        I’m currently on the Qantas deal atm. If I sign up to this would I still be able to get my Qantas points.

        • machej on 06/09/2024 - 22:44

          Only if you're with them for 60 days (depending on the offer you signed up for). Their latest offer is a bit different as it has longer waiting periods on some points. They do give you the Qantas points super promptly though. If you won't get the points before September 25th you'd have to weigh up whether you want the points or the 13 weeks.

          • nightelves on 06/09/2024 - 23:00

            @machej: Dam hard to forfeit 120k Qantas points as it also earns me Qantas Club Plus.

            • machej on 06/09/2024 - 23:01

              @nightelves: Agree, if each point is worth 2 cents then it's $2400 of value + whatever you value PC.

        • chopper690 on 06/09/2024 - 23:41
          +1

          Just sign up to both

      • nomekop on 06/09/2024 - 23:19
        -1

        It's funny because I posted the previous deal but I haven't received any info on the 7 weeks free yet XD

      • Ryder on 06/09/2024 - 23:59

        Didn’t receive this in the welcome email

      • Embaloo on 07/09/2024 - 00:06

        When did you get your welcome email?

      • able on 07/09/2024 - 04:51

        can you confirm that your welcome email states both the 6 weeks free + 7 weeks covid offer? thanks!!!
        weird that a couple of comments from others are saying that nothing is mentioned…???

        I'm wondering if anyone else with welcome email capturing the stack offer

        • machej on 07/09/2024 - 11:29
          +1

          It's not the first welcome email but the thanks for joining that you get 4-5 days later.

      • Gonltruck on 07/09/2024 - 10:59

        Im struggling to keep up here. Are GMHBA also offering 60k qff points on top of this 13 weeks free?

        • machej on 07/09/2024 - 11:30

          Different offers. Qantas offers points, GMBHA offer free weeks.

      • ilovefullprice on 07/09/2024 - 12:24
        +1

        Am a bit late to the game. Which one was the Qantas deal?

      • tabboy on 09/09/2024 - 11:05

        Where's the link to this Qantas health insurance? I just signed up to GMHBA…

      • savemesomemoney on 18/09/2024 - 09:58

        Anyone in here still waiting for the confirmation email mentioning the bonuses? I haven't received any bonus confirmation. Only received the welcome email and this a little over a week ago.

        • RenVilo on 18/09/2024 - 10:30

          I confirmed over chat that I qualify for the 6 weeks free and I signed up the night of the 13th. Then for the 7 weeks, it will only be looked at after 30 Sep as the condition is to have an active membership to this date. Well that's what they told me.

          • savemesomemoney on 18/09/2024 - 12:17
            +2

            @RenVilo: Thanks mate. I went and asked the chat support as well. Had quite the same response but was reassured the COVID benefit will be added too as the sign up was within the promotion period.

      • drillvoice on 27/09/2024 - 08:14

        Can you tell me what your welcome email said? I have got a welcome email that didn't say anything, I want to confirm it worked.

        • scottb721 on 27/09/2024 - 09:02

          My welcome email didn't mention any bonuses but I did get a separate one with the subject "Six weeks free applied".

          In it was "Good news – your join offer of 6 weeks free has been applied to your membership.
          There is nothing more you need to do."

    • 1c1990 on 06/09/2024 - 23:08

      May I know which stacking you are referring here? TIA

    • link90 on 07/09/2024 - 06:29
      +1

      "When will eligible memberships receive their seven-week contribution payment in 2024?
      COVID-19 claims savings will be returned to eligible active memberships from 30 September 2024. On this date, the paid-to date for most eligible active policies will be moved forward 7 weeks. We’re working hard on getting these savings back to members and will send a reminder in September."

      I found the above in the FAQs section at the bottom of the deal page. I think it's best to call to confirm. The cynical part of me thinks they're technically just giving you both benefits (doesn't say anything about extending the discount). Based on only the wording above, if:

      • you purchased this on 25 September - you get 4 weeks Covid Benefits, then 6 weeks Sign-up benefit kicks in (3 week overlap from weeks 5-7 inclusive with the 2 benefits, total 10 weeks free)

      • you purchased this in 2 days, Monday, 9 September - you get 1 week Covid Benefit from the 30, then the 6 week benefit kicks in (6 week overlap from weeks 5-10 inclusive, total 7 weeks free)

      10 weeks is still a great saving

  • Drakesy on 06/09/2024 - 21:59
    +1

    Godammit thats good
    Just churning ahm at the moment.

    • boretentsu on 07/09/2024 - 06:46

      I just churned a week ago for 6 weeks free, kicks in another 21 days… is it worthwhile to just churn again?

    • Maximumturbo on 07/09/2024 - 15:28

      Sorry if this is a stupid question. When you churn these deals, do you need to re-serve 12 month waiting periods or can it be carried over between providers? I am looking to churn but have some services with 12 month waiting periods that I will need soon.

      • easternculture on 07/09/2024 - 15:49
        +1

        If you stay on at least same level of cover, and supply transfer certificate to new fund, your waiting periods carry over to next fund

        • boretentsu on 07/09/2024 - 18:51

          Is this process automatic?

          • fozzie on 08/09/2024 - 23:37
            +1

            @boretentsu: Yes if you have been with previous fund a while. If you swap frequently you need to forward previous transfer certificates.

        • ltwo on 07/09/2024 - 19:03
          +2

          bear in mind a difference in limits (e.g. $1000pa vs $1100pa) will mean a change in the level of cover

          • boretentsu on 09/09/2024 - 06:53

            @ltwo: Is this just for extras or for hospital as well? I.e. Bronze to bronze

  • PeppaCat on 06/09/2024 - 22:07

    Question: Lots of health funds provides XXX weeks free offer every a few months, can I keeps transfer between different health funds?

    • machej on 06/09/2024 - 22:10
      +2

      Yes, just collect all the clearance certificates, make sure you have continuous coverage at a base level of coverage you want and send the certificates to your latest health insurer. I wouldn't suggest churning often if you have health issues or are expecting a baby as it could create unnecessary annoyance.

      • nomekop on 06/09/2024 - 22:19

        I reckon I disagree with that. In Australia, policy covers are standardized by law, so if you switch to an equivalent cover, you'll get exactly the same benefits. We've got bronze, silver, and gold levels, and that's pretty much it. Health funds might try to keep you by offering a ‘plus’ option with a few extra perks, but don’t be fooled—the basic cover is the same across all funds. So, if you’re on a gold cover that includes pregnancy, you can swap to any other fund and still get 100% coverage.

        Let’s get the word out and make switching health funds the norm!

        • machej on 06/09/2024 - 22:23

          I don't think we're disagreeing with each other. I'm not saying you'll lose your cover, I'm saying without all your clearance certificates if you've moved within the same year the next health fund won't know you don't need to reserve waiting periods. Generally only your previous health fund will generate a clearance certificate and send it automatically to your next fund.

          • leeroys_dad on 06/09/2024 - 22:29

            @machej: Sending your own CC to new fund saves headache. It means they know about pre existing conditions waiting periods already served etc

            • machej on 06/09/2024 - 22:33

              @leeroys_dad: Correct, that's exactly what I'm saying. I will send 4 CCs to GMHBA after receiving my previous one.

              • nomekop on 06/09/2024 - 23:20
                +1

                @machej: I have been churning consistenly, and usually I just let the new fund chace the previous one for the CC. But now you are making me think this twice. Any reason you do it yourself? It's so easy to just give your policy and they follow it up everytime

                • machej on 06/09/2024 - 23:26
                  +1

                  @nomekop: You just want to ensure you have 12 months of CCs to provide the latest fund so you're always covered. There's no issue with churning but I wouldn't suggest people constantly do it if they have chronic health issues, could cause unwarranted stress.

                  • nomekop on 06/09/2024 - 23:29
                    -1

                    @machej: Thanks for replying.
                    I think someone that has a chronic condition should churn even more as, assuming they will have a expensive policy, the savings are really substantial. I want to emphasise there is nothing to stress about, as the clearance certificates are generated quickly and apply reatroactively. They will be covered at all times.
                    Furthemore, churning helps to reset extras maximum benefits. Some health companies reset in july, some in january, so churning would even help more someone that needs physio, etc

                    • 0 0 0 on 07/09/2024 - 00:53

                      @nomekop: And if you raise flags and are denied cover you're screwed for the rest of your life when you have to declare you've been denied insurance before

                      • Aureus on 07/09/2024 - 02:19

                        @0 0 0: Huh?

                        You wouldn't "raise flags" and health funds legally can't refuse to insure you.

                        • nomekop on 07/09/2024 - 09:20
                          +1

                          @Aureus: Funds cannot legally deny you insurance. Why would you raide red flags? This is not like car insurance, as when you apply, the only thing they ask your name email and number.

                          You might be wondering how funds cover large expenses if a client transfer and has sudden high bills. For this instance, the health funds have a common fund pool which they can access in these instances. It ensures fairness for all.

                          • Aureus on 07/09/2024 - 10:01

                            @nomekop: Think you meant to reply to the other guy.

      • BuddhaBoy on 07/09/2024 - 09:24
        +1

        Hi, what is a clearance certificate and how do one obtain it?

        • thatguyfromthatplace on 07/09/2024 - 12:41

          It's a letter that your current insurer will issue to your new one when you leave. It contains information about who was covered on your policy, how long they were covered for, and what level of cover they held. It's issued automatically when the new insurer contacts the old one to request it. Note - you must tell your new insurer about the old one when you sign up and give them the member number and permission to contact the old fund.

  • Crowing on 06/09/2024 - 22:09

    They also offer AIA vitality option. Rejoined them after finding out about the 7 weeks Covid free period despite being with them earlier this year (won’t be eligible for the 4 weeks) but much cheaper than going through AIA insurance

    • cheap4321 on 07/09/2024 - 13:42

      dont think aia vitality option is availble for families

    • Mangoslushie on 07/09/2024 - 20:44

      Is the AIA Vitality option also part of the covid 7 weeks extension? The FAQ doesnt say it isnt…

  • aligab on 06/09/2024 - 22:16

    If i sign up what benefit will i be entitled to?

    • nomekop on 06/09/2024 - 22:21

      You get free weeks. Your entitlement depends on the policy you choose

  • aligab on 06/09/2024 - 22:24

    So that means for 13 weeks i wont be charged anything as per this ad?

    • machej on 06/09/2024 - 22:26

      Correct, after the first 4 weeks.

    • Harsh Deep on 06/09/2024 - 22:28

      after 4 weeks

      • fozzie on 06/09/2024 - 22:48
        +1

        On terms and conditions says you have to pay 1 month.

  • aligab on 06/09/2024 - 22:25
    +2

    I dont live in Vic but NSW would that work?

    • Mypdaygone on 07/09/2024 - 13:23

      Gmhba can be for anyone in Australia

  • fozzie on 06/09/2024 - 22:29

    So pay for 4 weeks and get another 13 weeks free? Insane value.

  • leeroys_dad on 06/09/2024 - 22:30
    +3

    Technically, it looks like the 7 weeks is calculated based on premium on 25 Sep. So up your cover, be calculated 7 weeks, then lower coverage and get more time free

    • robhung on 06/09/2024 - 23:15

      So you reckon signup to Basic Hospital + Basic Extra's now, change to Gold Hospital + Top Extra's for one week - perhaps 23 Sep, and then change it back to Basic Hospital + Basic Extra's to maximise premium rebate?

    • fozzie on 08/09/2024 - 23:32

      Smart. Keeping fingers crossed about that. Does anyone know if changing can be done easily online?

  • bobzor on 06/09/2024 - 22:32

    Title should say GMHBA

    • machej on 06/09/2024 - 22:34

      Thanks, good pick up, have amended.

  • aligab on 06/09/2024 - 22:33
    +1

    I never had health insurance, which one covers kids in the family if i choose one? Or os it jist oneperson?

    • fozzie on 06/09/2024 - 22:41

      Just family and your dependents are free

  • financialminimalism on 06/09/2024 - 22:39

    dang. That’s a $1400+ saving.
    Their premium is only $140 pa then I pay now.
    So 10 years before I’m out of pocket for moving.

    • machej on 06/09/2024 - 22:42

      From family that have used them they also pay out particularly well for hospital so I kind of feel a bit dirty posting this deal but I'd hope that some people stay with them.

      • financialminimalism on 06/09/2024 - 22:45

        I actually feel bad leaving my current fund. Haven’t really had to use them much thankfully, they they’ve been great. I don’t really churn. Currently I’m on the cheapest premium for my family.
        But these guys offer no excess for day hospital visits which is a big plus and I don’t think my fund offers that (on paper, they have just refunded me the excess when in practice though as a bonus).

        • fozzie on 06/09/2024 - 22:49
          +11

          Why do you feel bad? They make lots of money. Don’t worry about it.

          • machej on 06/09/2024 - 22:51
            +1

            @fozzie: Some of these insurers are not-for-profits like GMHBA.

            • financialminimalism on 06/09/2024 - 22:55

              @machej: Yeah mine is not for profit. It does cost a lot of money I agree.
              Health Partners is my current fund. Most satisfied customers every year for 5 or 6 years if you believe Canstar.

          • nomekop on 06/09/2024 - 23:24
            +1

            @fozzie: Exactly! That they return 7 weeks is neglegible, as I am sure the profits are insane

        • nomekop on 06/09/2024 - 23:23

          I really wish I knew about this just a few months ago. 550$ just for the a daily procedure

        • 2024 on 07/09/2024 - 09:06
          +1

          Why feel bad? If you haven't had to use it much, then you've paid them for the privilege of getting a bit of a deduction if anything should go wrong.

          Health insurers are not mum and pop shops.

          They love taking your money, they don't love you.

          • nomekop on 07/09/2024 - 09:22

            @2024: If I knew about this policy, I would have moved to this fund right before

  • Mondorock on 06/09/2024 - 22:48
    -3

    Are you with HBA?

    • Mondorock on 09/09/2024 - 20:51
      -2

      Wtf would anyone downvote this?

  • Traya1 on 06/09/2024 - 22:52
    -1

    Trying to understand how this works, if you sign up prior to 20th Sep that's 20 weeks free?

    • xers on 06/09/2024 - 22:57
      +1

      No the 13 weeks is inclusive of 7 weeks covid benefits. The standard offer is 6 weeks free.

      • Traya1 on 06/09/2024 - 23:58

        Thought so, 13 weeks free is an odd number - still a decent offer.

  • tulalit on 06/09/2024 - 22:55

    I had a great cover with them and would join in a heartbeat if we’re not waiting for velocity points!
    Love the extras cover 75% claim and don’t have to check “members providers” which was always a plus!

    • dirtyhen on 06/09/2024 - 23:03

      Damn same, can’t leave medibank until Oct

      • fozzie on 07/09/2024 - 06:11

        I’m in a similar postition. Evaluating whether is worth loosing the 2 weeks free with Medibank (policy is paid up to 4th October). This would mean for me pay a month and get 11 weeks free which is still a great saving.

        • somethingguy on 07/09/2024 - 08:34

          Mine is paid until 9th of October. Have you received the 50k Medibank points yet? I'm just over 7 weeks, and I think it can up to 8 weeks.

          • fozzie on 07/09/2024 - 17:35

            @somethingguy: I received points. And you?

            • somethingguy on 08/09/2024 - 20:36

              @fozzie: No points. When did you receive yours? Called Medibank and they reckon it can take up to 10 weeks.

              • fozzie on 08/09/2024 - 20:41

                @somethingguy: it's been a while. A couple of weeks at least. Have you signed up to live better?

    • MBix on 07/09/2024 - 00:06

      Technically I’m fairly sure you can double up insurance providers, but don’t quote me on that

      • PeeDee on 07/09/2024 - 01:36
        +2

        Someone double check on this please. Im with corporate Bupa extras basic and wanna confirm.

        • financialminimalism on 07/09/2024 - 07:23
          +1

          You can have as many insurance products as you like. But you can only claim from one

      • easternculture on 07/09/2024 - 08:05

        Correct. I have TUH hospital & extras and AHM top extras

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