6 Weeks Free on Eligible Hospital and Combined Policies + 2 Weeks Free after 13 Months @ Territory Health Fund

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VQLD on 10/10/2024 - 14:18 territoryhealth.com.au (184 clicks)
Last edited 10/10/2024 - 15:44 by 1 other user

Looks like you can get 6 weeks FREE straight away and then churn?

The offer of eight weeks free private health insurance cover with THF applies to the first 6 weeks of premium of the new eligible private health insurance policy, and a subsequent 2 weeks free applied after 13 months of continuous cover.

Offer available for new policy owners who purchase one of the following eligible Territory Health Fund branded hospital only or combined covers issued by HBF Health Limited trading as Territory Health Fund (ABN 11 126 884 786) (THF) between 9:00 am (AEST) on 5 August 2024 and 5.00 pm (AEST) on 15 December 2024:

a. Better Hospital (Silver+);
b. Better Hospital (Silver+) and Extras packaged cover;
c. Vital Hospital (Bronze+); and
d. Vital Hospital (Bronze+) and Extras packaged cover.

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Territory Health Fund

• 

  VQLD on 10/10/2024 - 14:29

  Hm… does this mean if I held QCHF PHI recently, I can't use this offer? Or below conditions are for THF and HBF only?

  2. Offer does not apply to:
     a. employees of THF, QCHF or HBF;
     b. employees of Queensland Country Bank Limited, QCHF’s agents or any of its
     related entities;
     c. current or former members who have previously received a one month free,
     4 weeks free or six weeks free offer in relation to Territory Health Fund
     branded cover in the last 18 months; or
     d. a person with coverage under any Territory Health Fund branded cover either
     as a spouse or de-facto, purchasing a policy in their own right;
     e. a current member of a Territory Health Fund branded cover; when upgrading
     or downgrading their Territory Health Fund branded cover; adding a spouse
     or dependant to an existing Territory Health Fund branded cover or making
     any other policy changes.
     f. a person who has held cover with HBF Health Limited or HBF Health Limited
     trading as Queensland Country Health Fund who have previously received a
     one month free, four weeks free, six weeks free or eight weeks free offer in
     the last 18 months
  • 

    YesPleaseThankYou on 10/10/2024 - 16:30

    Clause 2.f is a new addition—it was not there previously.

• 

  YesPleaseThankYou on 12/10/2024 - 10:25

  Territory Health Fund (THF) appears to have silently changed the terms of this offer on 3 October 2024 to add Clause 2.f (above) and quoted here:

  a person who has held cover with HBF Health Limited or HBF Health Limited trading as Queensland Country Health Fund who have previously received a one month free, four weeks free, six weeks free or eight weeks free offer in the last 18 months

  Any previous HBF or Queensland Country Health Fund (QCHF) members who joined between 5 August 2024 and 3 October 2024 should be OK to receive this promotion.

  It is very sneaky of THF to have silently changed the terms. Instead, the two different periods should be clearly stated in the terms.

  • 

    VQLD on 14/10/2024 - 10:47

    that wording is so weird, why they didnt just say:

    "…who has held cover with HBF Health Limited or Queensland Country Health Fund…"

• 

  YesPleaseThankYou on 12/10/2024 - 10:29

  +2

  For those unfamiliar with health fund churning, this promotion is as good as it gets. The discount is 100%, as there no qualifying period before receiving the 6 weeks free.

  Further, THF resets extras limits on 'Anniversary Date', meaning that your extra limits (carried over from your previous fund), will reset immediately upon your THF cover commencing. This is very useful for anyone who may have reached their current fund's extras limits but seek or need to claim more, eg, new glasses or contact lenses.

  • 

    VQLD on 14/10/2024 - 10:56

    what will happen with extra limits with the next churn?
    say, Bupa->THF->Medibank
    Will Medibank pick up Bupa's limits or THF ones? If later, this means even paying for 1 month of THF and then switch worth it?

    • 

      YesPleaseThankYou on 14/10/2024 - 11:00

      The next fund won't pick-up the limits, it will sum the usage (claims) made in the relevant period and apply them to the relevant category.

      Depending on when the new fund resets its Extras, it may result in you having exhausted the extras limit for that category immediately upon joining. The limits will reset per the new fund's usual schedule, eg, 1 January.

      • 

        YesPleaseThankYou on 14/10/2024 - 12:33

        +1

        For the avoidance of doubt: The next fund will sum the usage (claims) made with all funds in the relevant period and apply them to the relevant category.

        To take your example, all claims made with Bupa and THF (and any other fund you have held in 2024) will be applied by Medibank, resetting on 1 January, per Medibank's usual process.

        It doesn't matter if the sum of these exceeds the Medibank limit (the claims were properly made and authorised by each fund at the relevant time), it just means that category will be exhausted.

        The information will come from your Transfer Certificates.

        • 

          VQLD on 15/10/2024 - 11:10

          @YesPleaseThankYou: another surprise was that "free" Bupa's dental checkups are not actually free when moving to another provider :-)…
          Next provider deducts those $200 (or whatever) from Extra limits, despite they were excluded from the Bupa's limits

          • 

            YesPleaseThankYou on 16/10/2024 - 20:19

            @VQLD: What does it matter when the next provider likely also has free dental checkups? Many seem to.

            How many checkups per annum are you doing or even need?

            When churning, you'll be gone in 4-10 weeks anyway.

            I don't sweat the small stuff.

    • 

      YesPleaseThankYou on 14/10/2024 - 11:02

      +1

      If you're ineligible for the promo (and therefore won't get any premium for free), then it is feasible to join to take advantage of the Anniversary Reset date.

      Why stay a whole month?

      Always best to read the Fund Rules.

• 

  TantrumToBlind on 18/10/2024 - 22:20

  it's not mentioned in the T&C. this means waiting period still applies?

  • 

    TantrumToBlind on 29/10/2024 - 21:06

    in the end i joined QCHF. they have the same offer and waived the 2 month waiting period.

    • 

      RTY on 01/11/2024 - 09:44

      Hi there, the home page said 8 weeks free but once I started the application, there's no mentioning of the free weeks? Did you get charged after submitting application? I haven't hit submit button yet. Thanks