YesPleaseThankYou » user profile

> usually the waiting period waivers are for extras though and not the hospital component? If you have already served the relevant waiting…

Read the terms applicable to each promotion.

No, no-one has ever discussed this question before. See [The right to…

You are also wrong.

I follow promotions very carefully. Almost certainly there would have been a better deal than NIB. Eg with the 10 weeks free, you very…

Doesn't take much time at all. Income is good — thanks for your concern :)

> And dental benefits have annual limits that increase with time That's a retention tool — so when you phone and want to leave they say,…

https://www.ozbargain.com.au/comment/16903977/redir

In years of churning, I have never seen a compelling NIB (or related brand) offer.

We can only hope.

# Admin 1. Receive transfer certificate 2. File in relevant folder END

> while they investigate you as a new member Sound like there might be something to investigate with you. Is there? The maximum waiting…

I do it 5 to 6 times a year and save approximately 58% off my premiums. Health insurance is a significant expense. There's no way I'm…

> you have to ensure the transfer certificate is accurate with no errors Like any document issued to you, you should ensure that it is…

You are wrong.

Generally, yes. Most of the promotions require you to take up hospital and extras, together.

An insurer can only refuse you for reasons stipulated in law and in each fund's fund rules. Take advantage of an insurer's promotional…

Email the new fund the transfer certificate. Simple. See direct email addresses here:…

Not a con. I recommend keeping your own records — it's not that hard. See https://www.ozbargain.com.au/comment/15120488/redir

@Aureus is correct.

Cheers. The questions asked by the OP are not novel. For someone with a bit of time, go through my responses to other health insurance…

Very good question. No-one has every asked this before. So keen to hear the answer.

Another joke thread.

CBA loves crazy customers :)

There's no convincing Wise and Revolut converts — they're too far sucked in by the marketing.

Agreed. CBA isn't making billions in profit from being cheapest. Most customers are stupid, lazy, or trapped in the rewards program.

> I have a CommBank account I transfer $2k into every month and then transfer it out across 5 transactions. That ensures the account is fee…

Wrong. > **CommBank Yello Gold** - Have an eligible CommBank transaction account - Make 15+ eligible transactions from an eligible…

Also requires you to transact with CBA, furthering the lock-in.

One old and one undated article that you've managed to scrounge from ChatGPT. I give very little credence to those articles.