Health Insurance Offer
Get 15% credit, up to $45 back
Save offer to your eligible Card by 11/07/2018, spend online, via phone or direct debit on health insurance with Bupa or NIB, by 05/09/2018 to get 15% credit each time, up to a maximum of $45 back. Limited to 20,000 Cards. Exclusions apply.
Spend $300 on your card to get the maximum $45 back.
Referrer: 40,000 Reward Points
Referee gets 200,000 MR points. Referrer gets 150,000 MR points.
Yup, same here!
Same here. Only primary. Amex Discovery.
What's your reason to move move to Bupa and who were you with previously?
Might move my wife, seems to offset most of the cost with laser eye surgery which she may need in the next year or so. The Ultimate cover is the only one (if not one of very few) that covers 100% of the cost. Even if the cost is break-even, she will be able to use most "extras" @ 100% rebate, plus 50k velocity points plus 1 month off (according to the lady I spoke with) plus potentially 6% cash rewards (not sure how it works through the phone) it seems to be worth the effort. Not for myself though.
Really?? I would have thought with the recent bad press, and the poor comparisons against other health fund that Bupa would have been poor value
From July 1st 2018, waiting period for laser eye surgery will be increased to 3 years, but will remain 12-month if sign-up before then. For my wife it seems to be good value with AMEX deal, velocity points, and potentially cash rewards and the ability to use the extras during the 12-months she is with Bupa. We will probably look for alternatives after she's done with the surgery.
Thanks OP - got it on my Explorer card, but not Velocity Platinum
Jump on the cash rewards Bupa offer!
thanks, got it on 2 cards, I am a current NIB customer, is it possible to put my account in credit if i make payments before bills are due?
most ozbargainers put their accounts in credit by 12 months just before the yearly price hikes
Its that even possible?
excuse my ignorance .. what does that mean?
Means you can lock in lower premiums by paying 12 months in advance. April usually sees 5-10% price hikes in premiums, so doing it just before the price hike maximises value of this practice
@Mr Mrrtn: How do you know you can lock in the price 12 months in advance?
I have only seen invoices with increases irrespective of credit on account.
@Mr Mrrtn: Wow I didn't know this. Can I pay 50 years in advance? That would be a good price hike avoidance!
That various between insurers. It's 12 months for Medibank and something like 15 months with Bupa.
Thanks for this, I didn't know about it.
I do this as well, buy really all it is doing is delaying the price rise for you by 1 year. So you only actually make a saving the year you stop having private health insurance (the year you die)
or you save the difference every year
Gosh been with BUPA for 7 years and had NO idea about being the price rise each year! Will definitely keep in mind this time!
Dang I didn't get it. Maybe because I am with Bupa paying with AMEX..
Same here. Was looking forward to free money
Same :(
S(h)ame!
I have Bupa automatically taken from my Amex card each month and I got the offer.
In April this year when I last renewed with bupa, I had to pay through auspost pay and only got half the points as normal since it was a government organisation. Has it changed now?
Personally pay in late March each year.
Ring Bupa BEFORE the increases and they will work out the advance payment for up to 15 months ahead of the date you are paying on.
As of this year they take immediate payment with Amex ,previously had to allow a couple of days for payment to be recognised and you could miss the March 31 deadline.
Government organisation ?
Thanks. I meant march, I always do it just before the rate increase, but when I paid for it online, it directed me to some Auspost payment facility so I didn't get as many points from my amex card. But good to know that they take direct amex now
If you pay Bupa via direct debit from Amex or call them and get them to do a phone payment then you get the full points as Bupa process those payments. Paying via self service online goes via Aus Post online and you only get 0.5 points and you have experienced.
I found bupa one of the more expensive ones, even with $45 one off discount plus whatever they offer, I doubt it works out any cheaper than say Frank insurance
depends what you need cover for
i just checked frank, more expensive and less inclusions for what i'm getting with nib.
Used to be with Frank but changed to Bupa cos can get a minor work discount. But noticed the same as the above; Frank cover was not as good (at least for me).
Existing Bupa member paying on Amex, didn't get the offer which makes sense
I got it but being paying with bank Amex’s
Got it but moving to Frank for 6 weeks free
I wonder if paying Qantas Assure will be able to get credit since its under NIB
Won't use this anyway. Just realised that NIB acquired GU (currently using) last year…
OFFER TERMS
Valid for payments made to Bupa or NIB via Direct Debit, online, via phone.
Online payments must be made at bupa.com.au or nib.com.au to be eligible.
Excludes payments made over the counter at Bupa stores or NIB Retail Centres, and payments made via BPAY or Australia Post.
Payments made to Bupa exclude the following:
Bupa Dental, Bupa Medical Visa Services, Bupa Optical, Bupa Therapy.
International Private Medical Insurance.
All non-health insurance products (including, but not limited to, Car Insurance, Home Insurance, Landlords Insurance, Pet Insurance or Bupa Aged Care).
im confuse with this bupa offer, what is the easiest way to get it? pay the $300 fee/premium in advance (ie get max $45 back)
Spend $300 by 05/09/18 to get the max back.
You'll get 15% back each transaction up to the cap.
so if i visit my dentist, pay and they do claim on the spot (the hicap things), i get 15% off?
can you give me example of the easiest transactions to do?
You get a cash back on the premium you pay, not the dentist
Your insurance premiums.
Let say my monthly premium is $150, I will be getting $45 off on my next 2 coming bills? Or do I need to pay $300 one short for $45 discount?
No, you will get 15% back, i.e. $22.50
Your next premium you will also get $22.50.
Your following premium you won't get anything because you've hit $45.
I am in the process of switching from BUPA to AHM…. I've had the same H&E cover since 2012 and unfortunately have just set & forget til now!!
Thanks OP.
Just paid $300 into my partner's NIB account, got the AmEx email straightaway.
just to be clear, you paid $300 to cover your partner's NIB monthly fees, right?
not the dentist/opto bills?
Yep.
Went to the Payments page
Scroll down, Click "Make a one-off payment". Enter in amount, CC Name, CC Number, Expiry.
Confirm, then all done!
thanks im with bupa but should be similar process i'll check soon.
edit: bupa doesnt accept amex to pay online, it give other options:
At Bupa we offer you a number of convenient options for paying your premiums.
1 Make a One-off Amex Payment with Australia post. Please use your membership number as a reference number. Go to Australia Post.
2 Over the phone by calling us on 1300 561 209. Available 24 hours, 7 days a week.
3 In person at a Bupa store
4 Online through BPAY (using biller code 768622 and your member number). Payments can take up to 3 business days to be applied to your policy. During this time claims may not be paid.
i guess now i need to pay via method 2.
@dragonindespair: I accidentally made a payment via method 1 before reading the T&Cs. Then tried method 2 which shows up on statement as AUSTRALIA POST. No email received.
@dragonindespair: Do it via method 2 but choose to speak to someone and it will go through as BUPA. Email received. Now to get the other amounts refunded tomorrow.
got it thanks op
Doesn’t NIB a have a surcharge on AMEX cards???
I was looking at this too, it would appear they no longer charge an extra fee for using Amex (not sure if they did it in the first place) but then you will lose the 4% discount for using the direct debit from a bank account.
It's not really a 4% discount, it's a 4% fee for using card which they've disguised as a discount to avoid the new laws regarding CC fees.
It doesn't really avoid the laws. It just means they're breaking them, and I bet the ACCC would like a word…
I actually emailed the accc back in September last year regarding the 4% discount for paying direct debit, here's their response :
"Each case will have to be judged on its own merits, but our current position is that businesses are unlikely to breach the surcharging provisions on the basis that they offer a discounted price for cash in comparison for a higher price if paid for by a debit or credit card.
We realise that there is an argument both ways and it may depend on individual circumstances but that is where our position is currently."
4%, so this is essentially only 11%.
Still great to combine with the $200 cashback though.
OP,
Offer says each time you pay upto $300 you get 15% cashback upto $45, does that mean, one can make multiple $300 transactions and get multiple $45 credits?
No. Not unless you use multiple cards. Read the t&c.
It states "Offer is limited to $45 credit per Card to which the offer is saved and only spend on this Card counts towards the Offer. "
Can I buy $300 eGift card in NIB rewards, then get $45 back?
It'll be a separate payment provider, so no.
Thanks for quick reply
U mean, ur not with NIB but wants to buy gift card for others? Otherwise, you could just pay in advance like others
I am with NIB, but using bank account direct debit. As the first reply said, I guess the gift card purchase is not eligible.
I've already paid a full year's premium in march. Is it possible making another $300 payment to get the discount for the next year's premium?
try it.
for bupa when i enter $300 it says "You cannot pay more than 14 months in advance" (yes my 14 months premium is less than $300)
woah, how come it's so cheap?
no hospital
How did you even try paying? Someone below mentioned Bupa website doesn't accept Amex cards.
damn… smelling problem.
so for BUPA they only accept visa master paypal for online payment via bupa.com.au
for amex they said i can do it over the phone.
called the number, its automated machine. made payment, all good.
then checking my amex apps, its now listed as payment to "australia post"
and…………..:
OFFER TERMS
Valid for payments made to Bupa or NIB via Direct Debit, online, via phone.
Online payments must be made at bupa.com.au or nib.com.au to be eligible.
Excludes payments made over the counter at Bupa stores or NIB Retail Centres, and payments made via BPAY or Australia Post.
I've made a comment above. You can call the number and choose to speak to someone, then it will go through as BUPA. Confirmed it works as I received an email. You should be able to get the amount refunded after 24 hours (CSR said by Friday afternoon) when it shows up on their system.
Wow thanks. Will try to get it refunded and try again option 2 and human.
called just now, the staff could see my payment but she said must wait 7 days before they can refund. lucky the offer exp in september. i maxed out already so cant make more payments
With mine, the CSR sent the refund in the form of a cheque since it was an Aus Post payment.
Is this deal no longer valid?
I can't see the deal when I log into my American Express account.
The Terms and Conditions above says "Limited to 20,000 cards" so perhaps all have been used up?
Or maybe you weren't targetted
Is it possible to make a one-time ad hoc payment to Bupa? My monthly charges are auto-deducted from another account but I can make Amex payment if Bupa adjusts the next monthly payment with credit amount in the account.
Call 1300 561 209 and speak to a CSR. They should be able to put through a one-off Amex payment that will be eligible for the cashback, and adjust your next monthly payment accordingly.
You can do it via mybupa.com.au with AMEX too but not sure if it counts as bupa.com.au. Might do a $10 transaction to test it out first.
Shows up as an Aus Post transaction and no email received.
Oh I see. Thanks.
so the only way to pay BUPA now is to call them?
I pay my monthly premium on my AMEX, and haven't received this offer.
will be glad to swap for something if any oz-bargainers who saved this offer and not be using it
Wow you actually want someone to give you their credit account detail for you to use this deal? This doesn't sound plausible in Australia. People are too clever for that…
You need to check the classifieds posts where people swap Amex deals with something else
I haven’t asked it for free.. It’s a swap
Thanks OP, was looking to switch to Bupa. Looks like the targeting algorithm this time is primary card holders; I got it on both primary cards but non of the support cards.