• expired

Join & Hold Eligible Hospital & Extras Cover for 28 Days, Get Bonus 50,000/100,000 Live Better Points @ Medibank

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Join & Hold Eligible Hospital & Extras Cover for 28 Days, Get Bonus 50,000/100,000 Live Better Points @ Medibank
Go to Deal
Nuggets on 04/12/2024 - 19:39 medibank.com.au (227 clicks)
Last edited 04/12/2024 - 21:38
LIVEBETTER

2&6 month waiting periods on extras also waived.

New members only. Offer ends 18 December 2024. Must quote promo code ‘LIVEBETTER’ and set up direct debit when joining.

Want up to $1000 in gift cards?
Join and maintain eligible Bronze hospital and extras cover or above and you could get 100,000 Live Better points (couples and families) or 50,000 Live Better points (singles and single parents) to redeem on rewards like gift cards. We'll also waive 2&6 month waiting periods on extras.

Things you should know
‡ For new members on new memberships who join and start eligible combined Bronze hospital and extras cover or above from 7 November – 18 December 2024 and who have not held Medibank health cover in previous 60 days (unless they are dependents coming off their parent’s cover). Must quote promo code ‘LIVEBETTER’ when joining. Excludes Hospital only cover, Extras only cover, Basic covers, Corporate covers, Accident Cover, Ambulance Cover, Overseas Visitors Health Insurance, Overseas Students Health Cover (OSHC), Working Visa Health Insurance, ahm covers and other selected covers. Not available with any other offer. Medibank may end this offer or amend these offer terms and conditions at any time without notice. Medibank employees are not eligible for this offer.

2&6 month waits waived on extras terms: 2&6 month waiting periods on extras waived. Other waiting periods apply (including 12 months on some dental services). If you're switching from another fund and you’ve used any of your current limits (at that fund), that will count towards your annual limits with us. If you've reached your limits at your previous fund you may not be able to claim straight away on extras.

Live Better rewards points terms: Must maintain direct debit and hold eligible product for 28 consecutive days from the policy start date to receive Live Better rewards points. The points will not be issued if you change to an ineligible cover, terminate your cover or suspend your cover during this period. Policyholder will require access to a smartphone and will need to download the My Medibank app. Policyholder will need to have registered a My Medibank account, sign up to Live Better rewards via the My Medibank app and track a Live Better rewards activity within 28 consecutive days from the policy start date. Must be 16 years or over to register for Live Better rewards. Live Better rewards points could take up to 8 weeks from the policy start date to be loaded to the policyholder’s Live Better account. Singles and single parents will receive 50,000 Live Better rewards points, and families and couples will receive 100,000 Live Better rewards points.

Live Better Rewards terms: Must be a Medibank member with eligible hospital cover, extras cover, or hospital and extras cover, be up-to-date with premium payments and have signed up to Medibank Live Better rewards with My Medibank or have linked their MyMedibank account with their Live Better rewards account to redeem rewards. Additional terms and conditions may apply to the redemption of a reward depending on the type of reward chosen. Read full Medibank Live Better rewards terms here: https://www.medibank.com.au/livebetter/rewards/terms/

Apple terms: Apple Watch SE requires iPhone Xs or later with iOS 18 or later. Bands are subject to availability. Carrier plan required for cellular service. Contact your service provider for more details. Connection may vary based on network availability. International roaming is not supported. Check apple.com/au/watch/cellular for participating carriers and eligibility. See support.apple.com/en-au/HT207578 for additional setup instructions.

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Comments

  • Smokey010 on 04/12/2024 - 19:42

    Is a transfer from another provider eligible for the points?
    Cheers

    • Nuggets on 04/12/2024 - 19:44
      +1

      Yes, you just sign up with Medibank and cancel your previous provider.

      • Smokey010 on 04/12/2024 - 19:44

        Thank you 🙏

      • winaxter on 04/12/2024 - 20:05

        How does churning health insurance work, do they auto cancel old one like utilities? Or do I have to manually cancel on the day the new one gets set up?

        • Nuggets on 04/12/2024 - 20:10
          -4

          Manually cancel the old. There is no linkage or churning.

          Personally I keep my existing health cover and just double up for the 28 days. It's less cost effective but I have some grandfathered discounts with my not for profit insurer that I would like to keep.

          • YesPleaseThankYou on 04/12/2024 - 20:55
            +1

            @Nuggets:

            grandfathered discounts with my not for profit insurer that I would like to keep

            There is 100% no way that these grandfathered discounts save you more than regularly churning.

            Following the 'pay 1 month, get 6 weeks free' equates to a discount of around 58%.

            Your logic is flawed.

            • Nuggets on 04/12/2024 - 21:42

              @YesPleaseThankYou: I’m not interested in changing cover provider every other month. It makes my life more complicated than I care for.

              Go for it though if it makes you happy and saves you a buck. I was just sharing my perspective.

              I have the maximum age based discount and providers are not obliged to recognise your previously held age based discount.

              • YesPleaseThankYou on 04/12/2024 - 21:46

                @Nuggets:

                When you turn 41, the discount is reduced by 2%. So if you had an existing 10% discount, this reduces to 8% when you turn 41. For each further year, the discount is reduced by a further 2% until it reaches 0%.

                Source: https://www.privatehealth.gov.au/health_insurance/surcharges…

                Churning is simple. I usually churn after about 2½ months (pay 1 month get 6 weeks free offers).

                You're overpaying for the sake retaining a tiny discount. Good on you!

        • BargainMe on 04/12/2024 - 20:34
          +3

          Yes, it auto cancels just like utilities

          • Nuggets on 04/12/2024 - 21:47
            -1

            @BargainMe: Thanks, TIL. I think that’s only when you request the previous to be closed though, I have held multiple covers concurrently and the previous does not auto close.

        • JohnHowardsEyebrows on 04/12/2024 - 22:34
          +1

          They'll ask if you want them to cancel your current policy. If you agree to this, you provide your policy details. Very easy.

  • SomnusZ on 04/12/2024 - 20:11
    +6

    Can't find anywhere mentioning about 6 weeks free on their website. Only the points.

    • Nuggets on 04/12/2024 - 21:39

      Sorry, I reused a previous deal and thought I had removed all mentions of 6 weeks free. Fixed

      • YesPleaseThankYou on 04/12/2024 - 21:40
        -1

        Reused? What else is wrong in your post then?

        • Nuggets on 04/12/2024 - 21:46

          Big talk for someone who has posted two deals in their 15 years on the platform. Jog on mate and stop being a knob to people who are posting for the good of the community.

          • YesPleaseThankYou on 04/12/2024 - 21:48
            -1

            @Nuggets: And look at all the tips I have offered.

            Posting a crap deal (like the one you have posted) isn't doing good for anyone.

            I mean, you can't even work out good value for your own circumstances.

            • Nuggets on 04/12/2024 - 21:52

              @YesPleaseThankYou: Just because you don’t see the value doesn’t mean it isn’t good value for others.

              For my circumstances this deal is better than the most recent where 6 weeks free were included and half the live better points.

              28 days of extras (not interested in the hospital cover) is long enough to see the dentist and get new glasses and perhaps see the physio if I need. Cash outlay is minimal and in return I receive the healthcare and the $1000 worth of points on top.

              The six weeks free offer required 42 days of cover to be held and only offered half of the points. Easily worse value for me.

              Although, you said it was a crap deal, so it must be true.

              • YesPleaseThankYou on 04/12/2024 - 22:01

                @Nuggets:

                I receive the … $1000 worth of points

                But see:

                Singles and single parents will receive 50,000 Live Better rewards points, and families and couples will receive 100,000 Live Better rewards points.

                To get your $1000 worth (of shitty Live Better points) redeemable for a very limited range of products and services you'd need to hold a family policy Bronze hospital and extras cover and above.

                Are you single but getting family cover? Plus you're keeping multiple policies active. Are you claiming your extras at the two different insurers?

                • dnw213 on 05/12/2024 - 00:51

                  @YesPleaseThankYou: i think it's a good deal, 50k points almost gets you an apple watch 10. maybe you need to stfu

              • YesPleaseThankYou on 04/12/2024 - 22:10

                @Nuggets: Now that I put some further thought to this, if you are holding multiple hospital policies, you are claiming the government rebate for two policies concurrently. My understand is that this is not permitted.

                I'll read up the regulations when I have more time. Let's hope that someone from a fund will chime in here and clarify :)

          • YesPleaseThankYou on 04/12/2024 - 22:17

            @Nuggets: Oh, why did the OP mark this 'deal' as expired?

            All their multiple policy secrets exposed?

  • jackofspade on 04/12/2024 - 20:37
    +2

    28 days is misleading when you have to wait 8 weeks for the points

    • Nuggets on 04/12/2024 - 21:39
      -1

      You can close your account after 28 days, the live better account lives on separately and will get the points in due course. You don’t need to maintain the cover until the points are credited.

      • YesPleaseThankYou on 04/12/2024 - 21:41
        -1

        Too risky.

        Medibank customer service is almost as bad as Bupa's.

        As a regular churner, and without 6 weeks free, this is no deal from me 🛑👎

      • jackofspade on 04/12/2024 - 21:59
        +1

        Live better account is automatically deactivated if you don't have an active policy

        • Ckanna on 04/12/2024 - 22:05
          +1

          Yes, you are correct.. it automatically deactivates post cancellation of cover

    • YesPleaseThankYou on 04/12/2024 - 21:43
      -1

      Please report Medibank to the ACCC for this misleading promotion.

  • arctan on 04/12/2024 - 22:04
    +1

    Terrible company. Joined 6 months ago and they still can't fix my waiting period.
    How do you escalate complaints with this mob? Should I go to a branch as their phone support is useless.

    • YesPleaseThankYou on 04/12/2024 - 22:06

      Contact the Private Health Insurance Ombudsman.

  • kainomac on 04/12/2024 - 22:38

    Why is this marked as expired? Promo code still works during checkout?

    • JohnHowardsEyebrows on 04/12/2024 - 22:39

      Maybe because the 6 weeks free isn't a thing.

      • kainomac on 04/12/2024 - 22:45

        You’re right though the OP admitted their mistake and edited the post. As far as anyone who looks at the post now, it never happened.

    • YesPleaseThankYou on 04/12/2024 - 22:55
      -1

      Have a read of the OP's subsequent posts. There's much going on.

      Negged all my posts and moved on.

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