Up to 10 Weeks Free on Combined Hospital and Extras Health Insurance Policies from see-u by HBF

Terms and conditions

1. Offer is only available to new see-u policyholders who purchase an eligible combined Hospital & Extra’s policy via the see-u contact centre or see-u website in a single transaction, health insurance issued by HBF Health Limited trading as see-u by HBF (ABN 11 126 884 786) (see-u) between 9:00 am (AEST) on 20 January 2025 and 5.00 pm (AEST) on 31 May 2025:
   Eligible Products
   a. Premium Hospital Non-Obstetrics (Silver+) combined with an Extras cover
   b. Secure Hospital (Silver) combined with an Extras cover
   c. Smart Hospital (Bronze+) combined with an Extras cover
   d. Saver Hospital (Bronze+) combined with an Extras cover.
   e. Starter Hospital (Basic) + combined with an Extras cover.

2. Offer does not apply to:
   f. employees of see-u, QCHF & HBF; or any agents or its related entities;
   g. current or former members who have previously received a promotional offer for a see-u by HBF branded cover in the last 18 months; or
   h. a person with coverage under any see-u by HBF branded cover either as a spouse or defacto, purchasing a policy in their own right;
   i. Members who have held see-u hospital and/or extras cover in the previous 30 days;
   j. a current member of a see-u by HBF branded cover; when upgrading or downgrading their see-u by HBF branded cover; adding a spouse or dependant to an existing see-u by HBF branded cover or making any other policy changes.

3. The policy must be set up on direct debit, and the first 4 weeks' premium must be paid before the offer can be applied. The offer of 10 weeks of free private health insurance cover with see-u by HBF will be applied to the first 6 weeks of premiums, starting after the initial 4 weeks of cover. An additional 4 weeks of free cover will be applied after 13 months of continuous cover.

4. Not available in conjunction with any other see-u offers, including other incentives, campaigns, or weeks free offers.

5. see-u by HBF reserves the right to amend or remove the Ten Weeks Free offer and any qualifying criteria at any time.

Direct link to see-u by HBF Ten Weeks Free Terms and Conditions and Internet Archive of the Terms.

Some notes and thoughts:

• Having reviewed current promotions from all insurers, this is the only non-restricted fund I identified as offering the industry-typical 'pay 1 month, get 6 weeks free' (approximately 58% discount) offer, although this promotion is more accurately described as 'pay 4 weeks, get 6 weeks free' (60% discount). The '4 weeks of free cover … applied after 13 months of continuous cover' element of this promotion is not included in these calculations.
• By the time the 10-week initial period (4 weeks paid followed by 6 weeks free) nears completion, there will almost certainly be other health fund promotions available. We are approaching the time of year where the funds will all announce their annual price increases, which usually prompts policyholders into looking for cheaper alternatives. The funds know this and scramble to both retain customers and steal (gain) customers from each other.
• The see-u website says 'we’re all about keeping health insurance simple'. In reality this means that the extra (general treatment) insurance component covers less treatments than other providers. If you're looking for wide extras coverage, I would suggest that see-u isn't for you. Hospital cover is standardised into product tiers and therefore much easier to compare.
• See the Performance tab on this page for various metrics about this insurer.