Health Insurance Offer Terms & Conditions

Offer

Offer period

Eligibility Criteria

Note: This offer is not available:

Fulfilment of Six Weeks Free

Terms and Conditions

Terms and Conditions: Get 6 weeks free when you purchase extras cover (1 Feb – 31 March 2026)

Offer

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 5 Jan and 31 Mar 2026 where the policies purchased have a commencement date between 5 Jan and 31 Mar 2026

Are 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 8 weeks free.

Member must be financial and not in arrears or be suspended for a period during the first 60 days of membership to receive the 8 weeks free

For UCA sales, refer to T&Cs for extended date range, sale must be processed on or before 31 March 2026

Note: This offer is not available:

Fulfilment of Eight Weeks Free

Terms and Conditions

(Available at www.australianunity.com.au/aggregator-terms-and-conditions)

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (5 Jan – 31 March 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 5 Jan and 31 Mar 2026 where the policies purchased have a commencement date between 5 Jan and 31 Mar 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. have a referral date (i.e. the date the sale was processed by iSelect/ HIC /It’s My Health/ HealthDeal) no later than 31 March 2026 and a start date no later than 17 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).

After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 8 (6+2) weeks free on their eligible cover. Limit of one 8 (6+2) weeks free offer per membership. 3. This promotion is not available: a. to members who purchase through either: the Australian Unity call centre; the Australian Unity website; 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 purchase via an aggregator or comparator (call centre/website) and then switch to an Australian Unity corporate partnership discount d. to Australian Unity staff; e. 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

The 8 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. 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 2 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 2 weeks free offer is applied to your policy by advancing the date you are paid up to; i.e. moving it forward 2 weeks. The 2 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.

Offer

Offer period

Eligibility Criteria

Note: This offer is not available:

An eligible customer must:

Fulfilment of Six Weeks Free

Terms and Conditions

The Offer All Eligible Customers (see section 2 below) will receive from Bupa HI Pty Ltd (ABN 81 000 057 590) (Bupa): a) 6 weeks free health insurance on the following terms and conditions.

i. In most cases, your 6 weeks free will be applied 28 days after you join, extending the date you're "paid to".

ii. If your weeks free period ends before your next direct debit date, we may take a smaller- than-usual payment to make up the difference.

Eligibility An eligible customer must: a) not have held Bupa Health Insurance in the last 60 days prior to join date b) join through The ItsMy Group Pty Ltd (ABN 85 167 289 965); c) be an Australian resident over the age of 18; d) take out an Eligible Bupa Health Insurance Policy (see section 3 below) between 02/02/2026 and 31/03/2026 and such policy must commence by 30/04/2026, maintain that cover and meet all payment obligations for 28 consecutive days from the join date and be financial to receive the 6 weeks free offer, with the payment value of the free weeks to be calculated on the level of cover at the time the payment is made; e) pay their health insurance premiums by direct debit; and f) provide a valid email address. If they meet all of the eligibility criteria above, they are an Eligible Customer.



Eligible Bupa Health Insurance Policy An Eligible Bupa Health Insurance Policy is a combined domestic Hospital and Extras product or packaged product issued by Bupa and available through The ItsMy Group Pty Ltd but excludes any hospital product when combined with Freedom 50 and Freedom 60 Extras products (Freedom 60 Boost is included in this offer)



General a) Yearly limits, waiting periods, benefit claiming restrictions, fund and policy rules apply. b) The Offer is not available with any other Bupa promotional join offer provided by Bupa. c) If you do not satisfy these terms and conditions before becoming entitled to the Offer then Bupa may elect, acting reasonably, not to award you with the Offer. If Bupa discovers that you did not satisfy

these terms and conditions after the Offer has been awarded, then Bupa may decide, acting reasonably, to remove the Offer. d) Bupa reserves the right to end, change or extend this offer at any time. e) Bupa is not liable for any loss or damage suffered because of this promotion (except that which cannot be excluded by law). f) The Offer is not available to any customers attached to a corporate group including employees [or contractors] of Bupa, or any other Bupa Group company.

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

The offer only applies to hospital and extras (combined) policies, not extras-only or hospital-only policies.

This offer does not apply to members transferring from a product issued by nib (including Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance, or nib Corporate Health Insurance) at the time of joining the Eligible Product, or who have cancelled any of these policies within 6 months before or during the offer period.

Excluded Products: Deluxe Saver Silver Plus Hospital.

The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to 6 weeks of the annual premium.

Eligible Members must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 29 April 2026 (Fulfilment Date). The Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date, if premium payments are not up to date on the Fulfilment Date, or if the policy is cancelled prior to the end of the adjusted “paid to” date provided under the Offer.

Members who join nib with a policy start date outside of the Offer Period can qualify for the Offer, provided the join is processed within the start and end dates of the Offer.

6 Weeks Free Terms and Conditions

These Terms and Conditions apply to the nib join offer to join and receive “6 Weeks Free” (Offer).

The Promoter of this Offer is ItsMy Group Pty Ltd ABN 85 167 289 965 of 10/1 Middle Road, Malvern East, VIC 3145 (Promoter). By joining, claimants agree to be bound by these conditions.

The Offer commences at 12:00 am (AEDT) on 1 February 2026 and closes at 11:59 pm (AEDT) on 28 February 2026 (Offer Period). Policies joined after 11:59 pm (AEDT) on 28 February 2026 will not be eligible for the Offer.

This Offer is open only to Australian citizens, permanent residents of Australia, or those entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card, who are 18 years or over as at the date of joining (Eligible Members).

The Offer is only available to Eligible Members who join an nib combined Hospital and Extras Australian resident’s health insurance product (nib ARHI product) through the Promoter’s approved channels during the Offer Period (Eligible Product). The Offer does not apply to any other private health insurance product issued by nib, or to any member moving from one of these products to an Eligible Product. The Offer excludes non-health related insurance products (e.g. travel).

nib may request proof of identity, residency and eligibility to ensure the Eligible Member meets the Private Health Insurance requirements for the Eligible Product.

For clarity, Eligible Members who join an Eligible Product during the Offer Period with a policy start date outside of the Offer Period can qualify for the Offer, subject to compliance with: a) these Terms and Conditions (including the Eligibility Requirements); and b) any other terms and conditions imposed by nib in relation to the selection of policy start dates.

The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating to 6 weeks of the annual premium.

To receive the Offer, Eligible Members must: a) successfully join an Eligible Product during the Offer Period through one of the Promoter’s approved channels. Ineligible products include Basic Kickstarter, Basic Accident Hospital and Value Extras; b) maintain the Eligible Product up to the Fulfilment Date, being 29 April 2026. The Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date, if premium payments are not up to date on the Fulfilment Date, or if the policy is cancelled prior to the end of the adjusted “paid to” date; c) not be a current policyholder of a product issued by nib (including nib Corporate Private Health Insurance, Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, or Seniors Health Insurance) at the time of joining the Eligible Product, nor have cancelled any of these policies within 6 months before or during the Offer Period, excluding transfers from nib International Workers Health Insurance, nib International Students Health Insurance, or where a dependant or spouse transitions to their own policy; d) have a valid email address applied to their policy; and e) not be an employee of the Promoter (Eligibility Requirements).

Limit of one Offer per Eligible Product commenced during the Offer Period.

The Offer cannot be combined with any other offer or promotion except for nib’s “2 and 6 Month Waiver” offer.

If an Eligible Member satisfies the Eligibility Requirements, the Promoter will email the Eligible Member confirming qualification for the Offer and that the “paid to” date has been adjusted in accordance with clause 8.

The Offer cannot be redeemed for cash, refunded, replaced after expiry, or treated as legal tender, an account card, credit, or security.

Subject to any rights under applicable laws, the Promoter excludes all liability to the maximum extent permitted by law for any loss or damage (including loss of opportunity, profits, or business) arising in connection with the Offer.

Nothing in these Terms and Conditions restricts or modifies statutory consumer rights under applicable law, including the Competition and Consumer Act 2010 (Cth).

The Promoter may amend or withdraw all or part of this Offer at any time and substitute it with another offer of equal or greater value. No compensation will be payable where an Offer is substituted.

The Promoter is not responsible for undelivered emails due to spam filters or email settings.

The Promoter reserves the right to disqualify any person who provides false information or seeks to gain an unfair advantage or manipulate the Offer.

Personal information will be collected by the Promoter for the purpose of conducting and promoting this Offer and improving services. By claiming the Offer, Eligible Members consent to the use of their personal information in accordance with the Promoter’s Privacy Policy at https://www.itsmyhealthinsurance.com.au/privacy . If personal information is not provided, participation in the Offer may not be possible.

2 & 6 Month Waiver Terms and Conditions

These Terms and Conditions apply to the nib join offer to join and receive a “2 and 6 Month Waiver” (Waiver).

The Promoter of this Waiver is ItsMy Group Pty Ltd ABN 85 167 289 965 of 10/1 Middle Road, Malvern East, VIC 3145 (Promoter). By joining, claimants agree to be bound by these conditions.

The Waiver commences at 12:00 am (AEDT) on 1 November 2025 and remains available unless amended, withdrawn, cancelled or suspended by nib in accordance with these Terms and Conditions.

The Waiver is open only to Australian citizens, permanent residents, or those entitled to full reciprocal Medicare rights, registered for Medicare and listed on an active Medicare card, who are 18 years or over as at the date of joining (Eligible Members).

The Waiver is only available to Eligible Members who join an nib combined Hospital and Extras Australian resident’s health insurance product (nib ARHI product) through the Promoter’s approved channels during the Waiver Period (Eligible Product). The Waiver does not apply to other private health insurance products issued by nib, nor to members transferring from those products. Non-health insurance products (e.g. travel) are excluded.

nib may request proof of identity, residency and eligibility to ensure compliance with Private Health Insurance requirements.

Eligible Members who join an Eligible Product during the Waiver Period with a policy start date outside the Waiver Period may still qualify, subject to compliance with these Terms and Conditions and any nib requirements regarding policy start dates.

The Waiver consists of waiving the 2-month and 6-month waiting periods on all Extras services that normally require those waiting periods under the Eligible Product.

To receive the Waiver, Eligible Members must: a) successfully join an Eligible Product during the Waiver Period through approved channels (ineligible products include Basic Kickstarter, Basic Accident Hospital and Value Extras); b) not be a current policyholder of a product issued by nib (including nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, or Seniors Health Insurance) at the time of joining, nor have cancelled any of these products within 6 months before or during the Waiver Period; c) have a valid email address applied to their policy; and d) not be an employee of the Promoter (Eligibility Requirements).

The Waiver cannot be combined with any other offer or promotion unless otherwise stated.

The Promoter will apply the Waiver at the policy start date. The Waiver becomes effective for claims only once the first premium payment is successfully processed and the policy is deemed financial.

The Waiver cannot be redeemed for cash, refunded, replaced after expiry, or treated as legal tender, an account card, credit, or security.

Subject to applicable laws, the Promoter excludes all liability to the maximum extent permitted by law for any loss or damage arising in connection with the Waiver.

Nothing in these Terms and Conditions restricts or modifies statutory consumer rights under applicable law, including the Competition and Consumer Act 2010 (Cth).

The Promoter may amend or withdraw all or part of this Waiver at any time and substitute it with another offer of equal or greater value.

The Promoter reserves the right to disqualify any person who provides false information or seeks to gain an unfair advantage or manipulate the Waiver.

Personal information will be collected for the purpose of conducting and promoting the Waiver and improving services. By receiving the Waiver, Eligible Members consent to the use of their personal information in accordance with the Promoter’s Privacy Policy at https://www.itsmyhealthinsurance.com.au/privacy . If personal information is not provided, participation in the Waiver may not be possible.

Terms and Conditions | 4 Weeks Free + 2 & 6 Month Waits Waived 2 February 2026 – 31 March 2026

Eligibility

This offer is available to new see-u by HBF policyholders who purchase an eligible combined Hospital and Extras cover via eligible and approved distributors, complete the purchase in a single transaction between 9:00am (AEST) on 2 February 2026 and 11:59pm (AEST) on 31 March 2026, and maintain continuous, paid cover for the required period(s) to receive the free weeks.

This offer is not available to employees of see-u, QCHF, HBF, or related entities; current or former members who have received a promotional joining offer for a see-u by HBF branded policy in the last 18 months; existing see-u members making changes to their current policy (including upgrades, downgrades, or adding dependants); policies purchased as Hospital-only or Extras-only cover; policies combined with products outside the eligible list; or members redeeming another see-u promotion, incentive, or weeks-free offer at the same time.

Eligible Products

The following combined Hospital and Extras products are eligible under this offer: Starter Hospital $750 Excess with Daily Co-Pay plus Eligible Extras; Starter Hospital $750 Excess (Basic) plus Eligible Extras; Saver Hospital $750 Excess (Bronze Plus) plus Eligible Extras; Saver Hospital $750 Excess with Daily Co-Pay plus Eligible Extras; Smart Hospital $750 Excess (Bronze Plus) plus Eligible Extras; and Secure Hospital $750 Excess (Silver) plus Eligible Extras.

Fulfilment of 4 Weeks Free

Four weeks’ free cover will be applied after eight weeks of continuous eligible cover, provided full payment has been received and the policy is set to direct debit. If a member’s last full payment aligns with their free-cover eligibility date, the free cover will begin from the next scheduled payment date. During the free-cover period, direct debits will be paused automatically and regular payments will resume immediately after the free weeks end.

Fulfilment of 2- & 6-Month Extras Waiting Period Waiver

The waiver applies to the Extras portion of the policy only. Hospital waiting periods and any Extras waiting periods longer than six months continue to apply. If you join within two months of leaving another Australian health insurer, waiting periods already served on a comparable or lower level of cover will generally be recognised. Members must be financial and have paid four weeks of premiums before any claims can be approved. Eligible claims for services received from the join date will be payable once this requirement is met.

General Conditions

Free weeks are not redeemable for cash or any other benefit. This offer cannot be used in conjunction with any other see-u promotion, incentive, or weeks-free offer. see-u by HBF reserves the right to vary, withdraw, or amend this offer and its qualifying criteria at any time without notice.

HBF Health Limited ABN 11 126 884 786 trading as see-u by HBF Phone: 1300 499 260 Email: info@seeuhealthinsurance.com.au