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Promotions – Terms & Conditions

Real Health Insurance – Up to $500 off (1 Nov 2024 – 15 Jan 2025)

  1. These Terms and Conditions apply to the Real Health Insurance “up to $500 off (November 2024, December 2024 and January 2025)” (“Offer”). This Offer and these Terms and Conditions are issued by nib health fund limited ABN 83 000 124 381 (“nib”). By joining, claimants agree to be bound by these conditions.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884 (GFS) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter or “PC”).
  3. The Offer commences at 12:00am (AEST) on 01 November 2024 and closes at 11:59pm (AEST) on 15 January 2025 (“Offer Period”). Policies purchased after 11:59pm (AEST) on 15 January 2025 will not be eligible for the Offer.
  4. 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”).
  5. The Offer is only available to Eligible members who join a Real Health Insurance combined Hospital and Extras product through Real Health Insurance’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 (per clause 11.c), 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).
  6. The value of the Offer that an Eligible Member is eligible to receive is determined by:
    1. the chosen Hospital cover under the Eligible Product; and
    2. whether the Eligible Product is a;
    1. Singles cover; or
    2. Couples, Families or Single Parents cover.
  7. The maximum amount that an Eligible Member can receive off their Eligible Product is set out in the tables below.
    8. Single covers
    Hospital cover
    (purchased with any Extras cover)
    		Max discount
    Real Basic Plus Hospital $225
    Real Bronze Plus Hospital $250
    Real Silver Hospital $250
    Real Silver Plus Hospital $275
    Real Gold Hospital $300

    Couple, Family and
    Single Parent covers
    Hospital cover
    (purchased with any Extras cover)
    		 Max discount
    Real Basic Plus Hospital $300
    Real Bronze Plus Hospital $350
    Real Silver Hospital $400
    Real Silver Plus Hospital $450
    Real Gold Hospital $500

  8. nib may request proof of age, identity, residency and eligibility to ensure the Eligible Member meets the Private Health Insurance requirements for the Eligible Product.
  9. 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:
    1. these Terms and Conditions (including, but not limited to, the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates.
  10. 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 a maximum of AUD $300 (inclusive of GST) for single policies or a maximum of AUD $500 (inclusive of GST) for couples, families and single parent family policies.
  11. To receive the Offer, Eligible Members must:
    1. successfully join an Eligible Product during the Offer Period through one of Real Health Insurance’s approved channels (Real Insurance website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being; 29 January 2025 (“Fulfilment Date”) for policies purchased between 01 November 2024 and 30 November 2024 and, 26 February 2025 (“Fulfilment Date”) for policies purchased between 01 December 2024 and 15 January 2025. The Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date;
    3. must not be a current policyholder of a product issued by nib (including nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas 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;
    4. have a valid email address applied to their policy; and
    5. not be an employee of the Promoter or nib (together the Eligibility Requirements).
  12. Limit of one Offer per policy for each Eligible Product joined during the Offer Period.
  13. The Offer cannot be combined with any other offer or promotion, unless stated otherwise.
  14. If an Eligible Member has satisfied the Eligibility Requirements, nib will contact the Eligible Member following fulfilment 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 10 of these Terms and Conditions.
  15. 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.
  16. 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 this Offer.
  17. 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).
  18. nib 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.
  19. nib are not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.
  20. nib 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.
  21. Personal information will be collected by nib for the purpose of conducting and promoting this Offer, and to assist nib to improve their 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 realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.

Real Health Insurance – 2 & 6 month Extras waiver (1 Nov 2024 – 15 Jan 2025)

  1. These Terms and Conditions apply to the Real Health Insurance “2 and 6 month Extras Waiting Period Waiver” (“Waiver”). This Waiver and these Terms and Conditions are issued by nib health funds limited ABN 83 000 124 381 (“nib”). By joining, claimants agree to be bound by these conditions.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884 (GFS) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter” or “PC”).
  3. The Waiver commences at 12:00am (AEST) on 01 November 2024 and closes at 11:59pm (AEST) on 15 January 2025 (“Waiver Period”).
  4. 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”).
  5. The Waiver is only available to Eligible Members who join a Real Health Insurance, combined Hospital and Extras product through Real Health Insurance’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 (per clause 9.b), 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).
  6. nib may request proof of age, identity, residency and eligibility to the extent required to ensure the Eligible Member meets the requirements for joining the Eligible Product.
  7. 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:
    1. these Terms and Conditions (including but not limited to the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates.
  8. The Waiver consists of waiving the 2 and 6 month waiting period for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the relevant Eligible Product. All other waiting periods will apply.
  9. To receive the Waiver, Eligible Members must:
    1. successfully join an Eligible Product during the Waiver Period through one of Real Health Insurance’s approved channels (Real Insurance website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. not be a current policyholder of a product issued by nib (including nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas 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;
    3. have a valid email address applied to their policy; and
    4. not be an employee of nib or the Promoter (together the Eligibility Requirements).
  10. Limit of one Waiver per policy for each Eligible Product commenced during the Waiver Period.
  11. The Waiver cannot be combined with any other offer or promotion unless stated otherwise.
  12. nib will apply the Waiver at the policy start date of the Eligible Product.
  13. 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.
  14. Subject to any rights any person has under any law, nib and 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 this Waiver.
  15. 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).
  16. nib may at any time, amend or withdraw 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.
  17. nib reserves the right to disqualify any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Waiver.
  18. Personal information will be collected by nib for the purpose of conducting and promoting this Waiver, and to assist nib to improve their services. By claiming this Waiver, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy at realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Waiver.

Real Health Insurance – 8 weeks free (1 Sept - 31 Oct 2024)

  1. These Terms and Conditions apply to the Real Health Insurance “8 weeks free” (“Offer”). This Offer and these Terms and Conditions are issued by nib health fund limited ABN 83 000 124 381 (“nib”). By joining, claimants agree to be bound by these conditions.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884 (GFS) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter” or “PC”).
  3. The Offer commences at 12:00am (AEST) on 01 September 2024 and closes at 11.59pm (AEST) on 31 October 2024 (“Offer Period”). Policies purchased after 11.59pm (AEST) on 31 October 2024 will not be eligible for the Offer.
  4. 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”).
  5. The Offer is only available to Eligible members who join a Real Health Insurance combined Hospital and Extras product through Real Health Insurance’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 (per clause 9.c), 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).
  6. nib may request proof of age, identity, residency and eligibility to the extent required to ensure the Eligible Member meets the requirements for joining the Eligible Product.
  7. 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:
    1. these Terms and Conditions (including but not limited to the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates.
  8. 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 of the annual premium (calculated as 56 days).
  9. To receive the Offer, Eligible Members must:
    1. successfully join an Eligible Product during the Offer Period through one of Real Health Insurance’s approved channels (Real Insurance website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 27 November 2024 (Fulfilment Date) for policies purchased between 01 September 2024 and 30 September 2024, and 18 December 2024 (Fulfilment Date) for policies purchased between 01 October 2024 and 31 October 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.
    3. not be a current policyholder of a product issued by nib (including nib Health Insurance, nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, Qantas 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;
    4. have a valid email address applied to their policy; and
    5. not be an employee of the Promoter or nib (together the Eligibility Requirements).
  10. Limit of one Offer per policy for each Eligible Product joined during the Offer Period.
  11. The Offer cannot be combined with any other offer or promotion, unless stated otherwise.
  12. If an Eligible Member has satisfied the Eligibility Requirements, nib will contact the Eligible Member following fulfilment 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.
  13. 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.
  14. Subject to any rights any person has under any law, nib and 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 this Offer.
  15. 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 theCompetition and Consumer Act 2010 (Cth).
  16. nib may at any time, amend or withdraw 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.
  17. nib are not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.
  18. nib 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.
  19. Personal information will be collected by nib for the purpose of conducting and promoting this Offer, and to assist nib to improve their 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 realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.