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Compare The Market: $275 Cashback on Hospital & Extras Combined Insurance, $225 on Hospital Cover Only @ TopCashback AU

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Compare The Market: $275 Cashback on Hospital & Extras Combined Insurance, $225 on Hospital Cover Only @ TopCashback AU
Go to Deal
easternculture on 24/02/2025 - 10:41 topcashback.com.au (2456 clicks)
Last edited 25/02/2025 - 11:40 by 2 other users

Super decent offer as it stacks with free weeks

Hospital & Extras Combined Insurance $275
Hospital Cover Only $225

Stacks with free weeks for some health funds as below

  • Union Health
    Eligible new members who join Union Health by April 30th will receive 4 weeks free on their health insurance. The 4 weeks free will be applied to the second month of your membership provided you pay by direct debit and hold cover for 30 consecutive days from your policy start date.

  • see u by HBF
    New policyholders who commence an eligible see-u combined hospital and extras policy with a $750 excess between 6 January 2025 and 31 May 2025 and pay by direct debit will receive 4 weeks free and your 2 and 6 month waiting periods waived on extras. 4 weeks free will be applied to eligible policies once a premium payment of at least 4 weeks has been made to see-u.

  • Australian Unity
    This offer is available to eligible New Members who have not held Australian Unity health insurance 90 days prior to joining and who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product); or purchase Australian Unity extras only cover (extras product) by itself. New Members must pay your premiums, maintain your Policy, not have fallen into arrears or be suspended and complete 60 days of continuous paid membership (within the first 60 days of membership) before being eligible for 6 weeks free. The 6 weeks free offer is applied to each policy by advancing the date it is paid up to, i.e. moving it forward 6 weeks

  • Bupa
    Buy an Eligible combined hospital and extras policy by the 31 March that commences by the 30 April and pay by direct debit to receive 4 weeks free on your first year and an additional 2 weeks free after 13 months Excludes combined cover with Freedom 50 and Freedom 60 extras plans. You must maintain the cover and meet all payment obligations for 28 consecutive days from the join date and be financial. The remaining 2 free weeks are applied once you've held eligible cover for 13 months. The 6 weeks free will be applied to your policy as an extension of the paid-up date of your policy.

Referral Links

Referral: random (4086)

Referrer gets $35, referee gets $10 (after $10 of earned cashback within 180 days of signing up).

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Comments

      • AACP on 24/02/2025 - 16:24

        Looks like thats the only way. Thanks for that.

  • Pseudomocha on 24/02/2025 - 16:28

    Am I eligible if I've claimed a cashback from CTM before for PHI?

    • easternculture on 24/02/2025 - 17:26

      As far as my understanding one cashback per policy. Nothing stated on number of policies

  • oling on 24/02/2025 - 16:50

    Are we able to see the free week offer in CTM website?

    • easternculture on 24/02/2025 - 17:28

      You should see them in the comparison choices

  • jbw87 on 24/02/2025 - 17:36
    +4

    @tightarse are you able to confirm if you will still receive the cash back if CTM calls you and you do it over the phone.

    • sammy-lg on 08/03/2025 - 09:45

      A ring back worked for me last time..

      This time I went fully through the website and didn't track. Have put a claim through a d now have to wait… I got screenshots, but if it takes too long, I'm sticking clear of cashback in the future!

  • cheap4321 on 24/02/2025 - 19:27
    +1

    Out of the phi listed only Union Health give free weeks for hospital only.

    Does anyone know how prepayment works? I paid for aia almost 3 weeks ago. Do they refund me prorata?

    • easternculture on 24/02/2025 - 20:04

      You only pay for active days.

      • cheap4321 on 24/02/2025 - 21:57

        why isnt union coming up for a family of 4 in nsw with no extras? I only see see u and bupa out of the 4 listed.

  • Aerith-Waifu on 24/02/2025 - 22:56

    When is this cashback offer ends?

    • Store Reptightarse @ TopCashback AU on 25/02/2025 - 10:21
      +1

      Ends 23:59 AEDT March 31, unless withdrawn prior by CTM and/or TCB.

  • Yamato on 24/02/2025 - 23:09

    is the TCB cash back independent of the actual amount you pay on your policy e.g per month or do you need to have paid cumulatively the cash back amount. e.g. policy is 100/month, so pay for ~2 and a bit months to get the full $275 cash back for hosp+extras? TIA!

    • littlesoldier on 24/02/2025 - 23:23
      +2

      Cashback for this offer is unrelated to the plan or company you have chosen, as long as you click through TCB to CTM, and apply a Hospital + extras policy, You will get $275 cashback

      • Yamato on 24/02/2025 - 23:46

        What a time to be alive!

        Thank you!

  • YoungPrecise on 25/02/2025 - 09:54

    my policy doesn't end for another couple weeks. Is there an expiry date on this cashback offer?

    • easternculture on 25/02/2025 - 09:54

      You can change the start date of new policy during application

    • Jdonovas1 on 04/04/2025 - 07:24

      Your current insurance provider will provide a pro rata refund

  • boretentsu on 25/02/2025 - 12:06

    Completed at 7am. Not showing in pending or confirmed. If I chose a future date, does this affect the cashback tracking?

  • jbw87 on 25/02/2025 - 13:32
    +2

    Sent a message to TCB. They said you can't double dip so to speak (you won't get both the gift card and the cashback)..

    • easternculture on 25/02/2025 - 13:42
      +2

      Honestly, if CS convinced me i can, i would be complaining to Health insurance ombudsman and making them pay me a $375 gift card as compensation

      • jbw87 on 25/02/2025 - 13:43

        Yeah totally agree with you….just wanted to pass on the information I received

  • Ievgen on 25/02/2025 - 15:58

    Signed up for Hospital only. $225 tracked. Thanks OP!

    • cheap4321 on 25/02/2025 - 22:10

      which one you sign up for?

      • Ievgen on 25/02/2025 - 22:19

        HCF, no free weeks.

        • cheap4321 on 25/02/2025 - 22:41

          single or family? Because it looks like ahm is giving 6 weeks free in the first year for hospital only - https://ahm.com.au/offer/8-Weeks-Free-AP-Feb-04-2025#terms

          It might work out better if youre a family.

          • Ievgen on 25/02/2025 - 23:12

            @cheap4321: Family. I can’t remember amh being one of available options.

            • cheap4321 on 26/02/2025 - 13:16

              @Ievgen: The deal I listed requires a code so will invalidate cashback.

              6 weeks free is like $300 for the $230 plan so better than cashback and you don’t have the risk of it not being approved

  • frostybite on 25/02/2025 - 16:05

    It’s been almost a day and it hasn’t tracked for me

  • hazzad on 25/02/2025 - 17:22

    Can OP confirm that an insurer offering a free weeks deal will still track and pay the cash back? Many note in the T&C's that they wont combine any other offer with their promotions? Also do CTM not cover Frank insurance anymore?

    • easternculture on 25/02/2025 - 17:26

      Yes as long as you complete the whole signup online, you will get cashback.

      The comparison is based on the options you provide for hospital and extras

      You can also filter results to include frank only

  • GS9891 on 25/02/2025 - 20:26

    Just a word of advice, have had tracking fail for car and life/income insurance with CTM via TopCashback over the past year. Thankfully was sorted out by lodging a claim for the car insurance last year, and am currently in the process of claiming the life/income insurance cashback (which seems to be progressing smoothly so far).

    Always use Edge with no blocking extensions/etc and other cashback sites/retailers always work, so not sure why there always seems to be tracking issues with CTM and TCB, but don't be shocked if it takes a bit of extra legwork is all to get your cashback.

    • sammy-lg on 08/03/2025 - 09:48

      Good to know, I used a callback last time and it tracked fine. This time did it online through the app and it hasn't tracked, at least it showed up as a click so I can follow it up easily.

  • mrhorse on 26/02/2025 - 14:20
    +1

    Ever since I provided my phone number on CTM's website, I have got tons of scam robot calls saying my phone number is being suspended.
    wt….

  • Jared17 on 28/02/2025 - 02:47
    -1

    I wonder which is t he better deal for bupa? This one or the everyday rewards points which you can't stack with other promo offers

  • Trippelsewe on 28/02/2025 - 09:18

    Signed up with NIB last night 20:35, no tracking as of this morning.

  • rarelyscene on 28/02/2025 - 11:44

    @easternculture I signed up with a fund that doesn’t have optical extras coverage mistakenly but going to stick with them anyway, coverage with them started the other day but it looks like my old Medibank coverage hasn’t finalised yet.

    If I make an optical claim today with my Medibank coverage, how badly would that stuff things up?

  • xdivino on 28/02/2025 - 15:19

    I'm Primarily doing Private Health for tax reasons so have hospital and extras to what I think is a pretty basic level.

    Is there any pro tips or guide around changing funds and getting the most out of these free weeks and such.

  • tqf8h on 28/02/2025 - 19:43

    Seems I can't get see u in WA, but it is available in other states, the reason being "Currently we don't have policies for pregnancy, assisted reproduction, weight loss surgery, or in-hospital psychiatry", none of which I need. I'm not sure how to remove these from the search, even though that is what they suggest. I have only chosen limited cover for tax purposes anyway, so, these wouldn't be covered anyway.

  • DealHuntersXD on 02/03/2025 - 13:18

    Instead of choosing a couple's cover, can I opt for two individual covers for my wife and me and receive the cashback twice—once using her account?

  • DealHuntersXD on 02/03/2025 - 14:58

    Was anyone able to track both the cashback and the gift card? The CR assured me that the gift card would not impact the cashback from TCB.

    • easternculture on 02/03/2025 - 14:58

      Either one of the other.
      You have to complete the whole transaction online to qualify for CB from TCB

      • DealHuntersXD on 02/03/2025 - 15:02

        So I lose $275 cashback for $150 gift card which I didn't want in the first place but was offered by the CR

        • easternculture on 02/03/2025 - 15:04

          Yep.
          Unless you take CTM to PHI ombudsman and demand a compensation of $275 as they confirmed it

          • DealHuntersXD on 02/03/2025 - 15:05

            @easternculture: For which, I will have to wait till the cashback is tracked? I setup the PHI for tomorrow, so should I cancel it and opt for it via TCB just for the cashback?

            • easternculture on 02/03/2025 - 15:07
              +1

              @DealHuntersXD: Yep. Call cancel amd reapply but call PHI you chose and let them know so you dont miss out on free weeks as they may disqualify you as being a current customer with the second policy through CTM

              • DealHuntersXD on 02/03/2025 - 15:13

                @easternculture: How long before the cashback was tracked for you?
                I will cancel and reapply for a different or same plan depending on which will be easier to deal with

                • easternculture on 02/03/2025 - 15:20

                  @DealHuntersXD: Once it was immediate, a few times it took between 3 to 8 weeks , but they all tracked with no intervention except submitting a missing claim

                  • DealHuntersXD on 02/03/2025 - 15:30

                    @easternculture: PHI can only be canceled via call on weekdays, by which time my first debit will have already gone through. Should I draft an email to CTM requesting that the gift card and cashback be tracked instead, or is there a better way to handle this?"

      • DealHuntersXD on 02/03/2025 - 15:04
        +1

        If you receive a call from Compare the Market’s call centre, they will open the original quote used via TopCashback's URL. Tracking will continue as normal provided you don't start a new quote for any reason. Note you will not qualify for both cashback and CTM gift cards (if offered). If you attempt to claim both, your cashback may be cancelled at the discretion of CTM or TCB. You are however entitled to utilise TCB's cashback and any offers your insurer of choice is offering via CTM.

        • hazzad on 11/03/2025 - 14:10
          +1

          From what I understand the cashback only completes if activated from your end and completed within a timeframe and on the same device. If it's completed on another computer system, the cashback trail will be broken. The process is already pretty sensitive to things like opening other websites, clicks, etc. moving the actual completion from one computer to another would guarantee a break in the purchase chain and it technically would never track.

  • tqf8h on 03/03/2025 - 21:16

    Mine has tracked. For those who've used ctm cashback before, how long does it take for the cashback to become payable? Thanks. I am planning to switch away after it has cleared

    • hazzad on 04/03/2025 - 12:51
      +1

      Will be a good 3 months or so. I'm not actually sure as to how long you are required to stay signed up for. Never really looked. Also keep in mind any waiting periods on free weeks from providers. Most require you to server at least 4 weeks before the free weeks period kicks in. Some are 60 days. So keeping this in mind I'm generally with a provider for 3-4 months before my freebies have been dished out and served.

  • hazzad on 04/03/2025 - 12:53
    +1

    Signed up last night with nib for the 8 free weeks and hoodie(lol). Cash back tracked within an hour or so which was good as last time It did not and I had to chase it up. So effectively $275 cash back, $450 odd in free weeks and a free hoodie. Always good to have a spare one for winter.

  • winteroce on 05/03/2025 - 23:28

    Have signed up. Waiting for tracking now.

  • GoodToKnow on 10/03/2025 - 16:45
    +1

    The Bupa offer listed in op (4weeks free + 2 weeks after 13 months) appears to be different offer & T&C to what is coming up when I run a quote on CTM (6 weeks free after 28 days). Is the later not eligible for cash back or am I missing something?

    • easternculture on 10/03/2025 - 16:47

      They may have updated the offer on CTM

    • hazzad on 11/03/2025 - 14:06
      +1

      I've noticed that some offers vary between going direct to the provider as opposed to going through CTM. Usually they drop the number of free weeks, maybe to compensate for the cashback? No idea.

  • fozzie on 11/03/2025 - 19:47

    Please note that now you get 6 weeks after paying for 4 via TopCashback and compare the market.

  • healthyinsurance on 12/03/2025 - 14:43

    Is there a way to select a plan that isn't what the options choose for you? I want Bupa Silver Plus Essential Hospital with Core Extras but no matter which options I choose it gives me flexi extras and any other hospital but the one I want.

    • Utsav23 on 18/03/2025 - 20:28

      I couldn't find these 2 combinations, and I don't see several other providers (like Australian Unity).

  • cooni on 15/03/2025 - 11:27

    Signed up on 13th, hasn't tracked.
    Looks like everyone else got tracking within about 10-20 minutes.
    Should I cancel and do it again?

    • hazzad on 16/03/2025 - 08:12

      You could or just submit a missing cash back claim once your allowed. I had to do this last time I signed up using them.

      • cooni on 17/03/2025 - 10:40

        Did it end up getting confirmed?
        I can just foresee it - "the merchant said no, so there's nothing we can do"

        • hazzad on 17/03/2025 - 21:16

          Yeah mine did. Just took a while.

  • ezza on 15/03/2025 - 11:44

    Interesting in signing up with Qantas Health Insurance.
    Noticed you can't double dip…
    Signing up with Qantas direct on the offer I want on their site is showing 21,000 bonus Qantas points
    Signing up for the same offer through Compare the Market with Qantas is showing nothing about bonus points.
    Meh… 21k bonus bonus is roughly $210 in value and it will land from QF without an issue, the cashback on this is $275, thats if it tracks and pays without having to fight for it.
    Decisions.. decisions.. decisions…

    • hazzad on 16/03/2025 - 08:12

      Yes I've noticed that not all offers appears via CTM and some that do vary from the same providers website. Ie less weeks.

  • GoodToKnow on 15/03/2025 - 19:01

    For people who have used CTM before, what’s the experience? Constantly pestered with spam calls emails etc?

    • hazzad on 16/03/2025 - 08:11
      +1

      That's why you don't give mobile number. But even with email it's only a few within a week of comparing and they stop. I've never had a heavy handed experience with them.

  • Cheapharry on 17/03/2025 - 21:44

    I have signed up with See u by HBF but no tracking of cashback from Topcashback. Signed up on 04/03/2025 with policy starting on 28/03/2025. Have emailed topcashback but no reply yet.

  • Utsav23 on 19/03/2025 - 07:55

    Hi guys, to qualify for the cashback, is any extras cover sufficient? I’m only seeing this option in the results: Saver Hospital $750 Excess (Bronze Plus) and Starter Extras from See u HBF.

  • easternculture on 20/03/2025 - 05:05

    Applied for union health 4 wks + 4 wks free at 11:50 pm, tracked about 2hrs later at 2am

    • easternculture on 29/03/2025 - 08:01
      +1

      Union health already applied the 4 weeks free, im good till 16/5.

      So that makes it 10 months PHI cover and only paid for 2 months and got TCB CTM cashback 4 times ($200+200+ $250+$275), paid gym membership for 2 years, got $600+ contact lens + 2 dentist visits, etc

      • s0805 on 02/04/2025 - 16:00

        that is some work. Newbie to switching PHI, we were with HCF for 13 odd years, finally made move to Bupa and intend to switch more often. May I ask, how often the extra limits reset across the providers. I mean, if they all set around Jan and it carries forward then may not be much benefit from Extras point of view when switching.

        • easternculture on 02/04/2025 - 20:01
          +1

          When you churn, make sure its a fund that resets limits in July (there are a few), and then churn to a fund that resets on aniversary date, then go back and churn to a fund that renews on 1 Jan and repeat. That way you can claim extras 3 times per year

          • s0805 on 03/04/2025 - 16:54

            @easternculture: sorry i didn't get Anniversary date angle. E.g. if i use BUPA before Jun 30 t use my extras, churn to fund that has limit reset in July, how does anniversary date churn fits in. Any July reset funds that you are aware of…

  • jesho on 21/03/2025 - 16:26

    Geez that was painful. Got a call and spent over an hour with compare the market. Some things are not better done over the phone, I'm going to cancel if it doesn't track. I would definitely recommend signing up after business hours.

    • easternculture on 22/03/2025 - 06:56

      If you receive a call from Compare the Market’s call centre, they will open the original quote used via TopCashback's URL. Tracking will continue as normal provided you don't start a new quote for any reason. Note you will not qualify for both cashback and CTM gift cards (if offered). If you attempt to claim both, your cashback may be cancelled at the discretion of CTM or TCB. You are however entitled to utilise TCB's cashback and any offers your insurer of choice is offering via CTM.

      • jesho on 22/03/2025 - 16:15

        Yep, I made sure to ask her not to open a new quote. I received the tracking confirmation about an hour after finalising. Great deal if it comes through.

  • tunzafun001 on 24/03/2025 - 23:34

    See u or Union Health? (For dental/ physio)?

    Frank offer is good, but no free weeks via CTM.

    • easternculture on 25/03/2025 - 07:31

      See U are pretty basic with the extras.
      Union health cover seems to be better.

      • tunzafun001 on 25/03/2025 - 17:16
        +1

        Thanks EC!

        Union Health wasn't coming up as an option on CTM.

        Worrked it out -

        Set the funds you are only interested in on the right check boxes (if not, they dont even show up).

        They only show the top 12 (which must have the best kick back for CTM).

        I couldn't work out how to get the extras I wanted though (chose Family Extras by reading the tables via Union Health direct).

        CTM must have their own extras types. Had to chose comprehensive. $20 per month more, but basically the same.

        • easternculture on 25/03/2025 - 21:21

          Correct, you have to filter the funds you are interested in

  • nightelves on 27/03/2025 - 11:43

    Question for people experienced with Health Insurance. If I signed up for a policy that waives 2 & 6 months period today. How long do I need to wait before the same benefit gets passed onto the next provider if I need to cancel my first policy.

    • easternculture on 27/03/2025 - 13:07

      The waive will continue if you are still serving the waiting periods on previous fund. If not, the waiting periods already served with previous will carry on to new fund

      • nightelves on 27/03/2025 - 13:21
        +1

        Even if I sign up for a provider that waives waiting period, cancel and move across after 2 weeks?

  • s0805 on 28/03/2025 - 15:12

    Bupa Hospital + extras cover i am finding via CTM search has 6 weeks free after 28 days compare to original offer. Also the everyday reward points are not available via CTM but it is through BUPA website.

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