Health Insurance Offer Terms & Conditions

a. the new Eligible Customer must meet ACA Health Benefits Fund eligibility criteria.

b. the new Eligible Customer must take out a new ACA Health Benefits Fund combined Hospital and Ancillary product (“Eligible Product”) during the Offer Period.

c. the new Eligible Product must have a Policy Start Date between 1/04/26 and 31/05/26.

d. the new Eligible Customer must have paid their first months’ policy contribution for the Offer to be processed.

e. the new Eligible Customer must not be a current policyholder of a product issued by ACA Health Benefits Fund Limited ACN 128 673 923 at the time of joining the Eligible Product, or have joined and cancelled such a product within 6 months before or during the Offer Period; and

f. the Offer is not available to existing ACA Health Benefits Fund Limited ACN 128 673 923 policyholders for policy upgrades, when a spouse/dependent is added to an existing policy, or for standalone Hospital cover or Extras cover.

a. A $200 Gift Card for New Eligible Customers on all combined Products taken out during the Offer Period that normally require payment of policy contributions under the relevant Eligible Product. The Promoter will issue the Gift Card once the first month membership premiums have been paid.

No third-party services can be used to promote the Offer.

The Promoter reserves the right, at any time, to verify the validity of members and memberships (including a member’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who The Promoter has reason to believe has breached any of these Terms and Conditions or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Offer. Errors and omissions may be accepted at The Promoters discretion. Failure by The Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.

The Promoter’s decision on any matters relating to these terms and conditions is final and no correspondence will be entered into.

This Offer is not transferable, exchangeable, or able to be combined with any other Offer or discount from ACA Health Benefits Fund.

The Promoter reserves the right to vary or withdraw this Offer at any time and without notice.

Get 10 (6+4) weeks free when you purchase hospital and extras cover. Not available for extras only. No extras waiver. Offer period • Start Date: 2 Mar 2026 • End Date: 30 Apr 2026 Eligibility Criteria Customers must

Purchase Australian Unity mix’n’match or combined hospital and extras cover.

Via an aggregator or comparator call centres/websites.

Join between 2 Mar and 30 Apr 2026 where the policies purchased have a commencement date between 2 Mar and 30 Apr 2026

Be new members on new memberships who have not previously held Australian Unity health insurance within 90 days of joining.

Complete 60 days of continuous paid membership (within the first 60 days of membership) before being eligible for 10 weeks free offer

Be financial and not in arrears or be suspended for a period during the first 60 days of membership to receive the 10 weeks free offer

For UCA sales, refer to T&Cs for extended date range, sale must be processed on or before 30 April 2026 Note: This offer is not available: • to members who have held health cover with Australian Unity in the 90 days prior to 2 March 2026. • to new members who purchase extras only, hospital-only cover or Overseas Visitors Cover. • to dependants who come off their parent’s policy and take out hospital and extras cover within 90 days will not be eligible for this offer. However, they will be eligible for a separate offer if they join within 30 days, refer to the details here. • to Australian Unity staff; Fulfilment of Eight Weeks Free • Customers need to meet all eligibility criteria as outlined above • The offer will be fulfilled as 6 weeks applied in the first year of membership, and a final four weeks applied in the first month after their first anniversary, totalling 10 weeks free • Customers need to complete 60 days of continuous paid Australian Unity membership before the initial six weeks of the offer will be applied to the new member’s policy. Customers need to complete 12 months of continuous paid Australian Unity membership before the final four weeks of the offer will be applied to their policy • The initial six weeks free of the offer is applied to each eligible policy by advancing the date it is paid up to, ie moving it forward six weeks. The subsequent and final four weeks free of the offer is applied to each eligible policy by advancing the date it is paid up to, ie moving it forward four weeks • The initial six weeks free of the offer will then be applied within 30 days of completing the 60 days of paid membership due to data and processing time. Note, it won’t be applied on the 61st day, it can take up to 90 days from joining date for the weeks free to be applied, provided the member has maintained payment during that time. Please ensure this is clearly communicated to customers. Similarly, the subsequent and final four weeks free of the offer will be applied within 30 days of completing 12 months of paid membership due to data and processing time. • Refer to terms and conditions for full information.

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Australian Unity FY26 Q3Q4 Aggregator Acquisition Offer – 10WF (6WF+4WF) Mar-Apr 2026 Terms and Conditions – Link – www.australianunity.com.au/aggregator-terms-and-conditions Terms and Conditions: Get 10 (6+4) weeks free when you purchase hospital and extras cover (2 Mar – 30 Apr 2026)

This offer only applies: a. to people 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); i. through an aggregator or comparator call centre/website; ii. between 2 March – 30 April 2026 where the policies purchased have a commencement date between 2 March – 30 April 2026; and iii. who are new members on new memberships (who have not previously held Australian Unity health insurance within 90 days of joining); or

b. to members who purchase Australian Unity hospital & extras cover (either a combined product or a hospital product and an extras product); i. through iSelect’s or Health Insurance Comparison (HIC)’s or It’s My Health’s or HealthDeal’s referral program; ii. between 2 March – 30 April 2026 where the polices purchased have a commencement date between 2 March – 30 April 2026; iii. have a referral date (i.e. the date the sale was processed by iSelect/ HIC /It’s My Health/ HealthDeal) no later than 30 April 2026 and a start date no later than 15 May 2026; and iv. who are new members on new memberships (who have not previously held Australian Unity health insurance within 90 days of joining).

After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 10 (6+4) weeks free on their eligible cover. Limit of one 10 (6+4) weeks free offer per membership.

This promotion is not available: a. to members who purchase through:

Australian Unity Partnerships (phone and online portals);

b. to members who take out hospital only cover, extras only cover, or Overseas Visitors Cover; c. to members who take out a corporate product or cover that has a corporate partnership discount; d. to members who purchase via an aggregator or comparator (call centre/website) and then switch to an Australian Unity corporate partnership discount e. to Australian Unity staff; f. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here 4. The 10 weeks free will be applied over 13 months: a. 6 weeks free will be applied to the membership after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date: i. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are:

in arrears; or

suspended. ii. The 6 weeks free offer is applied to your policy by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership. iii. The offer will be forfeited if member has changed cover within the first 60 days to hospital only cover, extras only cover or Overseas Visitors Cover.

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Australian Unity FY26 Q3Q4 Aggregator Acquisition Offer – 10WF (6WF+4WF) Mar-Apr 2026

iv. The offer will be forfeited if member has changed to a product that has a corporate partnership discount in first 60 days of membership.

b. Additional 4 weeks free will be applied to the membership if, at 365 days, the policy remains as hospital and extras cover and the policy is paid up to date: i. The 4 weeks free offer is applied to your policy by advancing the date you are paid up to; i.e. moving it forward 4 weeks. The 4 weeks free will be applied to policies within 30 days after completing 365 days of paid membership. ii. The offer will be forfeited if member is no longer an active policyholder on the fulfilment date. iii. The offer will be forfeited if member has changed cover within the first 365 days to hospital only cover, extras only cover or Overseas Visitors Cover. iv. The offer will be forfeited if member has changed to a corporate partnership discount between day 61 – day 395 of membership.

This offer is not available in conjunction with any other retail offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.

This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/aggregator-terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.

Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.

For eligible members who join HCF via any channel between 17 February 2026 and 20 April 2026, HCF will apply four weeks free after 90 days and another 4 weeks after 12 months and waive the 2-month waiting periods on extras for eligible members in accordance with these terms (Offer).

Offer commences at 00:00 AEST on Tuesday 17 February 2026 and ends at 23:59 AEDT on Monday 20 April 2026 (Offer Period).

To be eligible for this Offer, you must: a. be an Australian resident, b. aged 18 years or over, c. take out combined HCF hospital & extras cover (excluding Hospital Premium Gold and Optimal Gold cover, Corporate Hospital Premium Gold, and Overseas Visitors Health Cover) (Eligible Policy), d. start your Eligible Policy during the Offer Period, e. not have been insured under an RT Health or HCF health insurance policy in the 2 months prior to taking out the Eligible Policy; and f. not have received any promotional discount on any RT Health or HCF health insurance policy within the 12 months prior to receiving the Offer.

If you're eligible, HCF will waive the 2-month waiting periods that apply to extras on your Eligible Policy. Waiting periods for extras that are longer than 2 months and all waiting periods for hospital treatment will still apply.

To be eligible for the 4 weeks free cover, you must also pay premiums for and maintain your Eligible Policy for 90 continuous days. HCF will extend the date your Eligible Policy is paid to by four weeks and may take up to six weeks to process the extension. To be eligible for the next 4 weeks free cover, you must also pay your premiums and maintain your Eligible Policy for 12 months. HCF will extend the date your Eligible Policy is paid to by four weeks and may take up to six weeks to process the extension.

HCF may, at its discretion, not permit this Offer to be combined with other offers.

HCF may amend the Offer terms and conditions and/or terminate this Offer at any time without notice (except in relation to members that have taken out an Eligible Policy prior to the amendment or termination).

Terms and Conditions for the “6 Weeks’ Free Cover + No 2-Month Waits on Extras (6W2M)” Promotion (Offer)

The promoter is Health Insurance Fund of Australia Limited ACN 128 302 161 of 100 Stirling Street, Perth, Western Australia 6000 (HIF).

Eligibility

This offer starts on Saturday 1 November 2025 at 12:01am and closes on Sunday 30 November 2025 at 11.59pm (WST) (Offer Period).

The policy start date must start no later than the Offer Period.

This offer is only available to a person who purchases an Eligible Product and opts to pay by Direct Debit for fortnightly, monthly, quarterly, or six-monthly (Eligible Member).

This offer is available during the Offer Period to Eligible Members who purchase an Eligible Product from a broker.

This offer is only available for the following Combined and Packaged Hospital and Extras covers: i. Hospital: Basic Plus, Bronze, Bronze Plus, Silver or Silver Plus; and ii. Extras: Basic, Value, Simple, Essential, Advanced, Top; or iii. Packaged: Basic Starter, Bronze Plus Simple Choice (Eligible Product).

This offer cannot be used in conjunction with any other offer or discount from HIF, except where those offers or discounts explicitly state.

Offer

This offer is for 6 weeks’ free cover on an Eligible Product plus a waiver of the 2-month waiting periods on Extras cover.

The 6 weeks’ free cover offer will be applied after 90 consecutive days from the policy start date by advancing the date the policy is paid to by 6 weeks. That is, after 90 consecutive days of cover, the next 6 weeks of cover are treated as paid.

During the 6 weeks’ free cover period, the Direct Debit will be suspended and will resume at the end of the 6 weeks’ free cover period.

At the end of the 6 weeks’ free cover period, the offer is redeemed and HIF is under no further obligation in respect of the offer.

Eligible Members must maintain their Eligible Product (and be financial) for 90 consecutive days from the policy start date on Direct Debit to be eligible to receive the 6 weeks’ free cover. Please allow up to 14 days from that date for the offer to be applied.

This offer is not redeemable for cash, transferrable or exchangeable. No part of the premium which would have otherwise been payable in the 6 week free cover period will be refunded in the event of termination or cancellation of the policy.

Eligible Members who purchase an Eligible Product and qualify for this offer, but later downgrade to Hospital only within 90 days of joining will not have the 6 weeks’ free cover applied to their policy.

Eligible Members who purchase an Eligible Product and qualify for this offer, but downgrade to Extras only within 60 days of joining will have the 2-month Extras waiting periods re-applied to their policy.

To the extent permissible by law, HIF may amend, cancel or suspend all or part of this offer.

Privacy

HIF’s Privacy Policy outlines how personal information is handled and the steps we take to ensure your privacy, which is available on our website at www.hif.com.au/privacy

nib “2 and 6 Month Waiver” Terms and Conditions

These Offers and these Terms and Conditions are issued by RT Health, a division of The Hospitals Contribution Fund of Australia Limited (ACN 000 026 746) (“RT Health”). References to RT Health members mean holders of an RT Health branded private health insurance (PHI) policy issued by the HCF fund. By participating in the Offer, you agree to be bound by these Terms and Conditions.

Offer Period The Offer commences at 12:00am (AEDT) on Tuesday, 3 March 2026 and ends at 11:59pm (AEST) on Wednesday, 9 April 2026 (“Offer Period”).

Eligibility The Offer is only available to customers who:

Purchase RT Health combined Hospital and Extras cover during the Offer Period.

Provide a valid email address at the time of joining.

Enrol in direct debit or payroll deduction for premium payments.

Exclusions – Gold Hospital Products The Offer is not available on any Gold Hospital products issued by RT Health.

Other Discounts and Previous Membership The Offer is not available to customers who:

Are eligible to receive another discount on their premium.

Have held an RT Health PHI policy within the previous 12 months.

Waiting Periods and Waiver Standard waiting periods, yearly limits, fund rules and policy rules apply.

However, if the customer meets the eligibility criteria in section 2, RT Health will waive the 2-month waiting periods that apply to Extras on the customer’s combined Hospital and Extras cover.

6 Weeks Free Offer – Conditions The 6 weeks free value is equal to the value of the customer’s combined Hospital and Extras premium over a six-week period.

To receive this benefit, the customer must:

Maintain the selected combined Hospital and Extras cover for 90 consecutive days from the join date.

Make all premium payments during this 90-day period.

Application of the 6 Weeks Free Benefit Once the customer satisfies the requirements in section 6, the 6 weeks free value will be credited to the policy by extending the “paid-to” date.

Not Combinable This Offer cannot be used in conjunction with any other promotional join offer from RT Health.

Changes to Terms and Conditions RT Health reserves the right to change these Terms and Conditions at any time by amending this notice. Any acceptances made prior to the change will not be affected.

Eligibility This offer is available to new see-u by HBF policyholders who:

Eligible Products

Fulfilment of 6 Weeks Free