Health Insurance Offer Terms & Conditions

These Terms and Conditions apply to the ACA Health Benefits Fund Waiver on Skip 2- and 4-month waiting periods on Extras (“Offer”), and information on the Offer forms part of these Terms and Conditions. Acceptance of the Offer is deemed to be acceptance of these Terms & Conditions.

The Promoter is ACA Health Benefits Fund Limited ACN 128 673 923 of 148 Fox Valley Road, Wahroonga NSW 2076 (“Promoter”).

This Offer commences at 9:00am (AEST) on 1 July and closes at 5.00pm (AEST) on 31 August 2026 (“Offer Period”).

This Offer is open to permanent residents of Australia as at the date of joining (being the date of completion of join) who would have been required to pay premiums and serve a 2- and 4-month waiting period on the selected ACA Health Benefits Fund Ancillary cover (“Eligible Customer”).

New Eligible Customers must meet all the following criteria to be eligible to receive the Offer:

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 Customer must have a Policy Start Date between 01/07/2026 and 31/08/2026, and the new Eligible Customer must have paid their first months’ policy contribution within 45 days of the start date.

d. the new Eligible Customer must hold the policy for a minimum of 6 months;

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

f. The New Eligible Customer must not be a current policy holder 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

g. 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.

The Offer consists of a Waiver of the 2- and 4-month waiting period for Eligible Customers on all Ancillary services taken out during the Offer Period that normally require a 2- and 4-month waiting period under the relevant Eligible Product. The Promoter will apply the waiver at the time the Eligible Customer takes out the Eligible Product. Applies to Ancillary services only and excludes waiting periods on Hospital cover (“Waiver”). Annual limits, lifetime limits, service restrictions, benefit limits, exclusions or policy conditions applicable to the Eligible Product may still apply.

New Eligible Customers switching from another health insurer who have served a waiting period on an equivalent service covered by an ACA Health Benefits Fund policy are generally not required to serve a new waiting period for that service. This waiver will not apply to these Eligible Customers.

If a new Eligible Customer switching from another health insurer has not served the waiting period on all equivalent services covered under an ACA Health Benefits Fund – Ancillary policy, then the new Eligible Customer will be eligible for the Waiver component of the Offer only to the extent of those equivalent services for which they have not served the waiting period. For example, if an Eligible Customer has served the waiting period on 2 out of 3 equivalent services, then they will be eligible for the Waiver for the other 1 equivalent service only.

Where the policy is a couples or family policy the Waiver will be applicable to each person covered on the policy.

The goods and/or services provided by the Promoter through this Offer come with consumer guarantees under the Australian Consumer Law (“ACL”) that cannot be limited or excluded by these Terms and Conditions. Except for this liability under the ACL and any other liability that cannot be excluded by law, the Promoter (including its officers, employees, and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special, or consequential, arising in any way in connection with this Offer.

If a new Eligible Customer claims within the 30-day cooling off period from the policy commencement date, they will not be eligible for a refund on their policy if they choose to cancel.

The Promoter collects personal information to facilitate the conduct of this offer. The personal information collected either by, or on behalf of the Promoter, will only be used for the purposes of administrating the Promotion, including the determination of entitlement to benefits; the calculation and payment of those benefits; and the collection of contributions together with related regulatory requirements such as member communication and reporting. The Promoter will only disclose personal information that has been collected if expressed consent is given by the individual affected; or law requires disclosure. Participation is conditional on providing this personal information. The Promoter will use and handle personal information collected as set out in the ACA Health Benefits Fund Privacy Policy, which can be viewed at http://acahealth.com.au/privacy-policy/. The Privacy Policy also contains information about how individuals may opt out, access, update or correct their information, how individuals may complain about the treatment of their information, and how those complaints will be dealt with.

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 Promoter’s 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, as permitted by law.

General – offer for new joins:

6 weeks free:

AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) makes this premium cashback offer to Eligible Customers holding an Eligible Policy (Offer), on the following terms and conditions:

1. Eligibility

You will be an Eligible Customer where:

1.1 As at 1 July 2026 you do not hold and are not insured under, nor have you in the 2 months prior to 1 July 2026 held or been insured under, a private health insurance policy issued by AIA Health.

1.2 You must purchase a policy issued by AIA Health that commences between 1 July 2026 and 31 July 2026 (Eligible Policy).

The following are not considered to be an Eligible Policy:

1.2.1 Silver Plus Family Hospital and Gold Hospital products (either standalone or within a combined product)

1.2.2 Extras Only products 1.2.3 AIA Health Overseas Workers Base Cover and AIA Health Overseas Workers Standard Cover

1.2.4 Corporate Health products

1.3 You have not utilised any other discount or promotion issued or provided by AIA Health within the last 12 months.

1.4 You are at least 18 years of age and are an Australian Resident.

1.5 Your policy makes reference to promo code: AIAJUL26

1.6 You maintain continuous membership with AIA Health for each Qualifying Period specified in clauses 2.4(a), 2.4(b) and 2.8 below from the commencement date of your Eligible Policy.

2. Offer

The following offer applies to Eligible Customers only:

Combined Hospital & Extras Policies

2.1 You will be entitled to receive a maximum of up to 8 weeks free as a premium cashback combined across Year 1 and Year 2 of your Eligible Policy. This offer will be promoted to Eligible Customers as a as a 4 week premium cashback after meeting criteria for Qualifying Period 1 and a 4 week premium cashback after meeting criteria for Qualifying Period 2.

2.2 The up to 8 weeks free as a premium cashback amount you will be entitled to receive under this offer will be determined by the Eligible Policy type held by you at the end of each Qualifying Period.

2.3 Only one (1) Eligible Customer per Eligible Policy is entitled to this offer.

2.4 (a) Qualifying Period 1 For Eligible Policies effective between 1 July 2026 and 31 July 2026, once you have held and paid for your Eligible Policy for a continuous period up to 2 November 2026, you will be reimbursed the equivalent of 4 weeks of premiums as a cashback to your nominated bank account within 30 days after the end of the Qualifying Period.

2.4 (b) Qualifying Period 2 For Eligible Policies effective between 1 July 2026 and 31 July 2026, once you have held and paid for your Eligible Policy for a continuous period up to 2 August 2027 and have an AIA Vitality Status of Silver or higher, you will be reimbursed the equivalent of 4 weeks of premiums as a cashback to your nominated bank account within 30 days after the end of the Qualifying Period.

Hospital Only Policies

2.5 You will be entitled to receive a maximum of 4 weeks free as a premium cashback combined across Year 1 of your Eligible Policy. This offer will be promoted to Eligible Customers as a 4 week premium cashback after meeting criteria for Qualifying Period 1.

2.6 The 4 weeks free as a premium cashback amount you will be entitled to receive under this offer will be determined by the Eligible Policy type held by you at the end of Qualifying Period 1.

2.7 Only one (1) Eligible Customer per Eligible Policy is entitled to this offer.

2.8 Qualifying Period 1 For Eligible Policies effective between 1 July 2026 and 31 July 2026, once you have held and paid for your Eligible Policy for a continuous period up to 2 November 2026, you will be reimbursed the equivalent of 4 weeks of premiums as a cashback to your nominated bank account within 30 days after the end of the Qualifying Period.

2.9 Premium cashback amounts are payable by direct deposit only. Your provision of correct direct credit banking details is a requirement of AIA Health’s fulfilment of this offer. If you do not provide correct direct credit details to AIA Health, AIA Health will apply this offer as a ‘credit amount’ entitlement on your Eligible Policy, and AIA Health will no longer be subject to, and is relieved from, any obligation to pay you a cash reimbursement under this offer.

3. General

3.1 This offer is not available in conjunction with any other AIA Health promotional join offer or any other AIA Australia Limited staff promotional offer or discount.

3.2 This offer is not available to any customers attached to a corporate group affiliated with AIA Australia, including employees/contractors of AIA Australia.

3.3 Your Eligible Policy must not be in arrears, terminated, or suspended during any applicable Qualifying Period.

3.4 The Eligible Customer will receive an SMS notification once the premium cashback has been paid.

3.5 These terms and conditions are subject to change at the discretion of AIA Health, including the right to end, change, or extend this offer.

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (20 Apr – 30 September 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. sold between 20 April – 30 September 2026 where the policies purchased have a start date between 20 April – 30 September 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 an unsolicited consumer agreement sale through iSelect or Health Insurance Comparison (HIC) or It’s My Health or HealthDeal;

ii. sold between 20 April – 30 September 2026 (i.e. the date the sale was processed by iSelect/HIC/It’s My Health/HealthDeal) and a deferred start date no later than 15 October 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.

This promotion is not available:

a. to members who purchase through:

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.

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:

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.

v. The offer will be forfeited if member has received an additional discount in the first year of policy (prior to day 364) that exceeds the weeks free total due between day 365-395.

vi. If the member receives an additional discount in the first year of the policy (prior to day 364) that does not exceed the weeks free total due between day 365-395, then the member will receive the balance of the weeks/days free, being the total weeks free minus the additional discount already received, between day 365-395.

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.

nib “8 Weeks Free July 2026” Offer Terms and Conditions

These Terms and Conditions apply to the nib join Offer, to join and receive “8 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 (AEST) on 1 July 2026 and closes at 11:59 pm (AEST) on 31 July 2026 (Offer Period). Policies joined after 11:59 pm (AEST) on 31 July 2026 will not be eligible for the Offer.

This Offer is open only to Australian citizens, permanent residents of Australia, or those who are 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 (being the date of completion of join) (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 the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Offer excludes any 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), which has a policy start date outside of the Offer Period, can qualify for the Offer subject to their compliance with: (a) these Terms and Conditions (including, but not limited to, 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 8 weeks (calculated as 56 days) 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;

b) maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 30 September 2026 (Fulfilment Date) and 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;

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, Real Health Insurance, Seniors Health Insurance) at the time of joining the Eligible Product, or have cancelled any of these policies 6 months before or during the Offer Period excluding where a member is transferring from an nib International Workers Health Insurance policy, nib International Students Health Insurance policy or a dependant or spouse listed on an existing policy transitions to become a policyholder of a new policy;

d) have a valid email address applied to their policy; and e) not be an employee of the Promoter (together the 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 has satisfied the Eligibility Requirements, the Promoter will email the Eligible Member to confirm they have qualified for the Offer and that the adjustment of their “paid to” date on their policy has been adjusted to credit their policy in accordance with clause 8 of these Terms and Conditions.

Each Eligible Member acknowledges that the Offer cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.

Subject to any rights any person has under any laws the Promoter excludes all liability to the maximum extent allowed by law, for any loss or damage (including loss of opportunity, profits or business) in relation to or resulting from any way in connection with this Offer.

Nothing in these Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).

The Promoter may at any time, amend or withdraw all or any part of this Offer and substitute with another Offer of equal or greater value. Eligible Members will not be entitled to any compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value.

The Promoter is not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.

The Promoter reserves the right to disqualify from receipt of the Offer any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.

Personal information will be collected by the Promoter for the purpose of conducting and promoting this Offer, and to assist the Promoter to improve its services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy (at https://www.itsmyhealthinsurance.com.au/privacy). If the personal information is not provided, the member may not participate in this Offer.

nib “2 and 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 July 2026 and shall remain available unless nib amends, withdraws, cancels or suspends the Waiver in accordance with these Terms and Conditions.

The Waiver is open only to Australian citizens, permanent residents of Australia, or those who are 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 (being the date of completion of join) (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 the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Waiver excludes any 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 Waiver Period), which has a policy start date outside of the Waiver Period, can qualify for the Waiver subject to their compliance with: a) these Terms and Conditions (including but not limited to the Eligibility Requirements); and b) any other terms and conditions imposed by nib in relation to the selection of policy start dates.

The Waiver consists of waiving the 2-months and 6-months waiting periods for Eligible Members on all Extras services that normally require a 2-month or 6-month waiting period under the relevant Eligible Product.

To receive the Waiver, Eligible Members must:

a) successfully join an Eligible Product during the Waiver Period through one of the promoter’s approved channels. Ineligible products include Basic Kickstarter;

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, Real Health Insurance, Seniors Health Insurance) at the time of joining the Eligible Product, or have cancelled any of these policies 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 (together the Eligibility Requirements).

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

The Promotor will apply the Waiver at the policy start date of the Eligible Product. The Waiver becomes effective for claims only once the first premium payment has been successfully processed and the policy is deemed financial. Until the policy is financial, the Waiver will not apply to any claims.

Each Eligible Member acknowledges that the Waiver cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.

Subject to any rights any person has under any laws the Promoter excludes all liability to the maximum extent allowed by law, for any loss or damage (including loss of opportunity, profits or business) in relation to or resulting from any way in connection with this Waiver.

Nothing in these conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).

The Promoter may at any time, amend or withdraw all or any part of this Waiver and substitute with another Offer of equal or greater value. Eligible Members will not be entitled to any compensation in the event that the Waiver or element of the Waiver has been substituted at equal or greater value.

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

Personal information will be collected by the Promoter for the purpose of conducting and promoting this Waiver, and to assist the Promoter to improve its services. By receiving this Waiver, an Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy (at https://www.itsmyhealthinsurance.com.au/privacy). If the personal information is not provided, the member may not participate in this Waiver.

Eligibility

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

This offer is not available to:

Eligible Products

Fulfilment of 6 Weeks Free

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

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

General Conditions