I came across this offer from HBF. Instead of offering free weeks they give you cashback.
Here’s some scenarios of how long you’ll need to hold your policy before receiving the cashback:
Sign up on 7 Feb 2025: Cashback paid on 7 May 2025 → 90 days.
Sign up on 28 Feb 2025: Cashback paid on 7 May 2025 → 69 days.
Sign up on 1 Mar 2025: Cashback paid on 6 June 2025 → 97 days.
Sign up on 31 Mar 2025: Cashback paid on 6 June 2025 → 67 days.
Sign up on 1 Apr 2025: Cashback paid on 7 July 2025 → 97 days.
Sign up on 15 Apr 2025: Cashback paid on 7 July 2025 → 83 days.
Depending on your sign-up date, you'll need to wait between 67 and 97 days before the cashback is credited to your account.
Link to T&Cs summarised below.
https://www.hbf.com.au/-/media/project/hbf/hbf-web-app/files…
HBF Cashback Offer Terms and Conditions
Eligible Covers
The offer is available on the following eligible HBF hospital and extras covers when purchased together in one transaction:
Hospital Cover
- Basic Hospital Plus
- Basic Hospital Plus Elevate
- Bronze Hospital Plus
- Silver Hospital
- Silver Hospital Plus
- Gold Hospital Elevate
Extras Cover
- Basic Extras
- Flex 50
- Flex 60
- Complete 60
- Top 70
Offer Overview
Eligible members will receive the applicable cashback amount, as detailed in these terms and conditions, deposited directly into their nominated bank account.
- The cashback amount is determined by product combination and policy type (i.e., single, family, etc.).
Cashback Amounts
| Hospital Cover | Extras Cover | Singles/Single Parent | Family/Couple |
|---|---|---|---|
| Basic/Bronze | Basic/Flex 50/Flex 60/Complete 60 | $150 | $300 |
| Basic/Bronze | Top 70 | $250 | $500 |
| Silver/Silver Plus | Basic/Flex 50/Flex 60/Complete 60 | $250 | $500 |
| Silver/Silver Plus | Top 70 | $350 | $700 |
| Gold Elevate | Basic/Flex 50 | $350 | $700 |
| Gold Elevate | Top 70/Flex 60/Complete 60 | $500 | $1,000 |
Eligibility Criteria
To receive the cashback offer:
- The policy must be paid in full and up to date at the time of the Fulfilment Eligibility Check and at Fulfilment.
- Maintain eligible HBF hospital and extras cover until the offer is fulfilled.
- Be a new HBF policyholder or have not held an HBF policy (hospital and/or extras, including urgent ambulance) in the last 12 months (excluding dependents coming off a family policy).
- Pay premiums monthly or fortnightly via direct debit and ensure payments are up to date at the time of the Fulfilment Eligibility Check.
- Provide valid direct credit details before the offer is fulfilled.
- Provide a valid email address.
Offer Validity Period
- Join and start cover between 12:01am AWST, Tuesday 4 February 2025 and 11:59pm AWST, Tuesday 15 April 2025.
Fulfilment Eligibility Check & Cashback Payment Dates
| Policy Purchase Period | Eligibility Check Date | Cashback Payment Date |
|---|---|---|
| 4 Feb 2025 – 28 Feb 2025 | 30 April 2025 | 7 May 2025 |
| 1 Mar 2025 – 31 Mar 2025 | 30 May 2025 | 6 June 2025 |
| 1 Apr 2025 – 15 Apr 2025 | 30 June 2025 | 7 July 2025 |
Exclusions
The offer does not apply to:
- Members who start their cover before 4 February 2025 or after 15 April 2025.
- Current HBF policyholders (excluding dependents coming off a family policy).
- Members who pay premiums quarterly, half-yearly, or annually.
- HBF employees and their immediate family members eligible for HBF staff discounts.
- Members who have redeemed an HBF promotional offer, save offer, or corporate discount in the last 12 months.
- Any other offer or discount, except for the direct debit discount.
- This offer cannot be used in conjunction with any other offer.
I ported to nib, then frank called me and offered me another 6 weeks free over the already 14 weeks free i got from them last year so i continued with frank. So all up i probabaly paid for 2 months max PHI all up up to mid march
And ive already claimed over $2k in extras including gym membership $400 last calender year and $400 this calender year