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6 Weeks Hospital+Extra Cover Free after 30 Days, up to 140,000 Everyday Rewards Points, 2 & 6 Month Waiting Period Waived @ Bupa

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6 Weeks Hospital+Extra Cover Free after 30 Days, up to 140,000 Everyday Rewards Points, 2 & 6 Month Waiting Period Waived @ Bupa
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jackofspade on 15/03/2024 - 16:52 bupa.com.au (6345 clicks)
Last edited 15/03/2024 - 17:27 by 1 other user
10WEEKSPLUS

Join Bupa on eligible combined hospital and extras cover by 10 April 2024 and get up to 10 weeks free (6 weeks free after 30 days plus 4 weeks free after 13 months), plus up to $700 Everyday Rewards dollars*. (That’s up to 140,000 Everyday Rewards points!)

Plus, we’ll waive the 2 & 6 month waiting periods on extras.*

T&Cs https://www.bupa.com.au/campaigns/health-insurance/ten-weeks…

  • Not eligible if you have held domestic Bupa health insurance within the last 12 months of your join date
  • 70,000 Everyday Rewards points (equal to $350 Everyday Rewards dollars) on a single, combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply)
  • 140,000 Everyday Rewards points (equal to $700 Everyday Rewards dollars) on a single parent, single parent plus, couple, family or family plus combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply)

Referral Links

Referral: random (243)

Referrer gets $100 Prezzee e-gift card. Refer a Colleague program only eligible at a participating Bupa Health Insurance Retail Store nationally and/or Australia Sales and Customer Service support line. Quote member number from the referral system.

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Comments

  • rekke on 15/03/2024 - 16:55
    +3

    Worth churning from Medibank(current) > Bupa > AHM before June 30?

    Was going to just go Medibank>AHM and then have the extras roll over from AHM again on July 1 but maybe an extra step for 6 weeks free?

    Edit: Just saw its combined policy only … nothing for Extras only?:(

    • BlahBlahBlahBlah on 15/03/2024 - 17:21
      +1

      Why the AHM move in the middle?

      • Aureus on 15/03/2024 - 17:34
        +5

        They reset extras in July.

        • vegemite2008 on 15/03/2024 - 22:13

          31dec?

          • Aureus on 15/03/2024 - 22:16
            +4

            @vegemite2008: What do you mean?

            Most providers reset extras every calendar year. Some providers like AHM reset every financial year.

      • rekke on 21/03/2024 - 17:02

        To get my extras reset on July 1st rather than waiting for 1st Jan with Medibank

    • Tgb on 16/03/2024 - 05:46
      +2

      Isn't AHM owned by Medibank? Surely they wouldn't allow this? You've got me interested though having already chewed through all extras with Medibank.

      • rekke on 21/03/2024 - 17:04

        It's just arbitrage between the health fund reset dates, although this will be the first year I attempt this.

    • coolc on 16/03/2024 - 08:56

      So do you cancel one and move or how does this work ?

      Or do you sign up with new provider and they communicate with existing fund ?

      • rekke on 21/03/2024 - 17:03

        To be honest I am still trialing out this method since I read it on Reddit, but basically swapping between providers to get sign up bonuses and arbitrage between their extras covers.

        • cathalm8 on 18/04/2024 - 09:28

          Hey, I am going to try this as well. I have already made the switch from Medibank to Bupa with policy starting on 29 April.

          I was wondering do you recommend the AHM icy commence before 1st July 2024 or can you still get the new limits if your start it after 1st July?

          Thanks

  • Hamish125 on 15/03/2024 - 17:09

    Can’t have held Bupa insurance in the last 12 months to be eligible. Rules me out as I churned to them July last year :(

  • aiyoyo on 15/03/2024 - 17:11
    -1

    Why choose Bupa over Medibank?

    • BanannaMan on 16/03/2024 - 09:02

      I think I'll move to Bupa then move back, this is a great deal

      • aiyoyo on 16/03/2024 - 09:04

        Currently, with GU health and need to transfer out to other insurance.

  • SmiTTy on 15/03/2024 - 17:30
    -1

    Stack with this for $200 more?

    https://www.ozbargain.com.au/node/833503

    • rcgy on 15/03/2024 - 22:17

      I don't think so, it says that it's not valid through CompareTheMarket and other comparitors

      • Kanjus on 16/03/2024 - 08:17

        So no shopback either?
        What about referrals?

    • easternculture on 15/03/2024 - 22:53
      +2

      Nope. Had a look. You wont get the rewards points

      • tunzafun001 on 10/04/2024 - 21:40

        You mean by using shopback? Can't see it hurting the points, just wont get anything from Shopback? But can't hurt to try?

        But I see what you mean, the rewards points don't appear if you go straight to a quote from Shopback. But if you click on the Bupa logo (top left), then chose the ER promo, they do show (but very likely means Shopback is now cancelled out). Will have a crack anyway.

        • easternculture on 10/04/2024 - 21:59

          You should see a message that you qualify for points during the application
          If you dont see this you wont qualify

          • tunzafun001 on 11/04/2024 - 15:01

            @easternculture: Yep, got this (and sceenshotted it). Different code 10weeksplus .. But everything else identical.. ie exactly the same wording as yours re weeks and ER dollars.

            • easternculture on 11/04/2024 - 16:31

              @tunzafun001: If you read topcashback terms, what will stop you from getting cashback

              Using a discount code or voucher code not posted and approved by TopCashback.

              10WEEKSPLUS is not on the website.
              So their would be a possibilty your claim could be rejected

              And also probably not honored by CTM if the edr offer was not showing here

              Honestly big risk as BUPA wont honor 2 affiliate payments for 2 merchants -> compare the market and woolworths group, the affiliate system would only pay one of them.

              But let us know if by miracle you get both.

  • screensaver on 15/03/2024 - 17:55

    I think I can do this, looks like I left 12 months ago

  • shivaussie on 15/03/2024 - 18:10

    Huge savings with this plan from Bupa. I got a mail this morning From Bupa that they are increasing my premium from 1 Apr.

    I too am looking for churns but unsure if other providers have similar plans like Bupa for a family of 4 (2 adults and 2 kids). I am currently on Policy: Silver Plus Intermediate Hospital with Top Extras 60

    Any recommendations?

    • ninohax on 15/03/2024 - 19:23
      +3

      Check out HBF, They turned out to be cheaper than BUPA for me and had more things covered in the same category of policies.

      • starbearer on 15/03/2024 - 19:36
        -1

        Thanks. Any welcome offers with hbf?

        • DealHunted on 16/03/2024 - 06:01

          Bupa offered a discount of almost $40 a month when I tried to move to Qantas as they were offering 44K Qantas points.

          • shivaussie on 16/03/2024 - 10:22

            @DealHunted: How did you claim this with Bupa? Did you call them and asked for a discount?

            • DealHunted on 16/03/2024 - 13:11
              +1

              @shivaussie: Got a quote from Qantas and agreed to the switch, where Qantas were going to manage the transfer. As soon as Bupa realised about the move they called up and gave me a better deal on my family cover.

              • Ozfanmel on 30/03/2024 - 12:33

                @DealHunted: Will bupa always call before moving to new provider or it’s optional ?

                • DealHunted on 30/03/2024 - 20:58

                  @Ozfanmel: Not sure. I'd been with Bupa since 2019, not sure if that was the reason for a callback?

                • Miss B on 10/04/2024 - 08:19
                  +1

                  @Ozfanmel: Not sure about Bupa, but can tell you some funds while they try to contact everyone won't manage to get to everyone, especially busy periods like rate review.

                  You can call though. Let them know you've organised to change funds because of a cheaper/better offer and ask them if you need to do anything (you don't, but as the premise for the call), they should get you through to whatever their retention team is who should be able to offer you something to keep your policy.

          • Craze on 16/03/2024 - 13:00

            @DealHunted: Also receive email on premium increase from April so will probably look to churn. You'll likely have to follow up multiple times for any retention offer- years ago i moved from BUPA to Medibank and they rang me with offers (forgot what) but they turned out empty promises.

            • DealHunted on 16/03/2024 - 13:31

              @Craze: I got an email, thankfully only $3 increase for me

              • Craze on 16/03/2024 - 15:43

                @DealHunted: What wow that's lucky for you, mine's close to 10% increase IIRC

          • enricos85 on 17/03/2024 - 09:17

            @DealHunted: I am with Bupa atm and thinking to switch to Qantas for the Qantas points they are offering now. I received an email from Bupa recently about $4 premium increase. I think it's worth to try if I can get discount from Bupa.

      • shivaussie on 19/03/2024 - 20:25

        I am with Bupa top Extras 60,
        Can you share the equivalent Extras at hcf?

  • MrFizz on 15/03/2024 - 18:13
    +1

    Can anyone see when you get the reward points?

    • dirtyhen on 15/03/2024 - 18:30
      +1

      same question, where can I find this?

      • dirtyhen on 15/03/2024 - 18:33
        +5

        found it:

        provide one registered Everyday Rewards card number to Bupa on sign up or link your Bupa and Everyday Rewards accounts within 30 days of joining. Only one registered Everyday Rewards card can be linked per Bupa policy. Note: the surname for your Rewards account must match your surname or that of another member within your Bupa policy. If you do not wish to join Everyday Rewards to receive the up to 140,000 Everyday Rewards Points (equal to $700 Everyday Rewards Dollars) Offer, you will still receive the 10 weeks free health insurance (6 weeks free in year 1 plus 4 weeks free in year 2) and 2- and 6-month waiting periods waived on Extras from Bupa provided you satisfy the relevant Offer eligibility criteria.

        • I like freestuff on 16/03/2024 - 00:56
          +3

          That doesn’t say when the reward points will be credited to your account though :(

          • BepisCola on 16/03/2024 - 10:28
            +3

            @I like freestuff: I just started cover and took a screenshot of the terms it showed me and it says: “ Eligible Customers will collect 70,000 Everyday Rewards points (equal to $350 Everyday Rewards dollars) on a single combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply) or 140,000 Everyday Rewards points (equal to $700 Everyday Rewards dollars) on a single parent, single parent plus, couple, family or family plus combined Domestic Hospital and Extras product or packaged product issued by Bupa (exclusions apply) which will appear in their Everyday Rewards Account in the third month after taking out an Eligible Bupa Health Insurance Policy and hold for 60 days after joining.”

            Not entirely sure if that means 60 days + three months or not?

            • YesPleaseThankYou on 17/03/2024 - 15:16
              +4

              @BepisCola: My view is that the terms that matter are the ones they publish here https://www.bupa.com.au/campaigns/health-insurance/ten-weeks…

              From what I can see, the following is key:

              take out an Eligible Bupa Health Insurance Policy between 14/03/2024 and 10/04/2024 and commence your policy by 10/05/2024, maintain this policy and make all required payments for 60 days by direct debit

              Under the above, even if the policy is cancelled on Day 61, the policyholder remains eligible to receive the Everyday Rewards points (as the policy was maintained for the required 60 days).

              Further, for those who churn regularly, and churn immediately after any promo period has expired, you will have met the 60-day requirement, as:

              • 1 month [number of days will vary depending on when the policy commences, and which months are involved, but in this case will either be 30 or 31 days] +
              • 6 weeks free [42 days]

              The sum of the above periods is greater than 60 days, making you eligible for the Everyday Rewards points.

              Long story short, we'll all get the Everyday Rewards points, even those of us (like me) who will hold the policy only for the minimum period before churning to a new deal.

              • BepisCola on 17/03/2024 - 16:08

                @YesPleaseThankYou: Yeah, the person I replied to was just asking about when it was actually credited which seems to be 3 months after the 60 days. You are right about eligibility but seems it is actually received 3 months later

                • YesPleaseThankYou on 26/03/2024 - 21:16

                  @BepisCola:

                  which seems to be 3 months after the 60 days

                  I disagree with you about this.

                  • BepisCola on 27/03/2024 - 07:55

                    @YesPleaseThankYou: Okay. I don’t work there, that’s just what it says in the terms about when it’s credited.

                    • YesPleaseThankYou on 27/03/2024 - 08:02

                      @BepisCola:

                      that’s just what it says in the terms about when it’s credited

                      That's your interpretation.

                      The terms, in my view, are clunkily worded by Bupa:

                      which will appear in their Everyday Rewards Account in the third month after taking out an Eligible Bupa Health Insurance Policy and hold for 60 days after joining

                      My interpretation is that the points will be credited 'in the third month'. The 60 days referred to by Bupa is the condition for the awarding of the points - it perhaps needed to say:

                      which will appear in their Everyday Rewards Account in the third month after taking out an Eligible Bupa Health Insurance Policy and meeting the eligibility criteria as described in the promotional terms.

                      • BepisCola on 27/03/2024 - 08:48

                        @YesPleaseThankYou: I didn’t read it that way at first but maybe you’re right

                        • YesPleaseThankYou on 27/03/2024 - 10:54
                          +2

                          @BepisCola: Note also response below which supports my interpretation of 'in the third month':

                          When I took up their EOFY offer last year, the points were credited 74 days after joining. I cancelled just after hitting 60 days and the points were still automatically credited without me having to intervene.

                          Source: https://www.ozbargain.com.au/comment/15066233/redir

                          It would be a preposterous situation for it to be 60 days + 3 months.

              • tunzafun001 on 09/04/2024 - 23:52

                @YesPleaseThankYou: Wouldn't we all be cancelling on day 72 to get the full 6 weeks free?

  • crazyguy on 15/03/2024 - 18:24

    Any benefit of choosing Bupa over HBF?

    • Hawxy on 15/03/2024 - 18:53
      +1

      Maybe if you're outside of WA there might be more providers that prefer Bupa over HBF? HBF's extras value is significantly better, with its Flex 50/60 covering more items with more % back for a few hundred less a year vs Bupa.

    • YesPleaseThankYou on 17/03/2024 - 15:16

      Yes, this promotion.

  • Captain Hindsight on 15/03/2024 - 18:24

    I’m with bupa wonder if I could get them to offer this for loyalty using Medibank deal as bargaining chip. As I write this sadly I think I know the answer.

  • cheekymonkey97 on 15/03/2024 - 18:28

    maintain this policy and make all required payments for 60 days by direct debit;

  • easternculture on 15/03/2024 - 18:29

    Take out an Eligible Bupa Health Insurance Policy (see Section 3) between 14/03/2024 and 10/04/2024 and commence your policy by 10/05/2024;

    Nice, just in time for next churn on 8/5/24

    • HardQuiz on 15/03/2024 - 18:57

      Walk me through it

      • easternculture on 15/03/2024 - 18:59

        Sign up and start date must be before or at 10/05/2024. You can choose start date during sign up

        • cathalm8 on 18/04/2024 - 09:40

          Do you know if it possible to amend start date after choosing initially? I may push it out based on the information that I can actually start my AHM policy after 1st July and still get the renewed limits. I assumed for some reason you would have to be with AHM by end of June..

          • easternculture on 18/04/2024 - 09:53
            +1

            @cathalm8: To get the bupa promo, policy must start before or on 10/5

            You can amend to a date before if you want but you need to call them up or email CS

            • cathalm8 on 18/04/2024 - 13:39

              @easternculture: I contacted Bupa via online chat and they told me that they have already requested clearance cert from my previous insurer Medibank. They couldn't tell me definitively if medibank cancellation process had already started therefore I didnt go ahead with the movement of Bupa start date.

              I might contact medibank and see if the cancellation date has been set. If not ill likely go ahead and move the Bupa start date to 9th May. Reason being is my current medibank cover is much better than what iam switching too and I would like a bit more time to use up my remaining limits.

              However I've realised that to avoid wait periods with AHM in July I need to ensure that all services I want are included in my extras even if its a low limit just to avoid wait periods when I switch to AHM in July.

              The only other concern is if I start messing with my Bupa extras cover now it may scupper the signup bonus somehow, you just never know with these systems etc

  • ddhar on 15/03/2024 - 18:36

    Perfect timing. Been looking around for the next health funds to churn to and this one works better for me than the NIB one.

    p.s. I didn't see an option to enter my Everyday Rewards number; I assume I can enter this later on?

    • steve0123 on 15/03/2024 - 18:50

      Ring them up and do it, set 2 hours aside as wait times are stupid. Have to do it ASAP or they won't give you the points, I nearly missed out last time, for what ever reason when I entered my details it didn't save my number.

    • Charlieeee on 15/03/2024 - 18:51
      +8

      Link your Bupa account in the Woolworths Rewards app. You can find it in the "Discover" tab in the Rewards app.

    • YesPleaseThankYou on 17/03/2024 - 15:19

      It was definitely an option on the way through.

      provide one registered Everyday Rewards card number to Bupa on sign up or link your Bupa and Everyday Rewards accounts within 30 days of joining

      You now have 30 days to provide it.

  • tunzafun001 on 15/03/2024 - 18:49
    +2

    So whats the optimal time to cancel / exit to the next plan?

    Ie. Do Bupa charge you months in advance? Or do you simply cancel / move on the next near the end of the 6 weeks (day 72, ie 30 days + 6 free weeks)?

    Then wait for $350 worth of points to drop..

    What's 30 days cost approx (for mid 40's).

    • recession1 on 15/03/2024 - 19:25

      It says you must maintain for 60 days to get the points, so you should have the points before the end of your 6 free weeks then be free to move on.

    • VantageXL on 15/03/2024 - 20:15
      +9

      When I took up their EOFY offer last year, the points were credited 74 days after joining. I cancelled just after hitting 60 days and the points were still automatically credited without me having to intervene.

    • YesPleaseThankYou on 17/03/2024 - 15:22
      -1

      Do Bupa charge you months in advance?

      It doesn't matter if they charge you for any period beyond the period you want. Just ask them to refund that portion of your premium.

      Then wait for $350 worth of points to drop.

      See my assessment above.

      What's 30 days cost approx (for mid 40's).

      Goodness. Get a quote.

  • RENERO on 15/03/2024 - 18:55
    +9

    Could someone please recommend a post or comment explaining insurance churning? I'm well-versed in credit card churning but unfamiliar with insurance. My current insurance setup is very basic, solely for tax purposes (in line with the Ozbargain spirit!). However, I'm open to exploring more if it's beneficial.

    • recession1 on 15/03/2024 - 19:22
      +6

      Same deal really. Instead of hitting a minimum spend to get the points, hold the minimum level of cover for 2 months then churn to the next. You just need to be more careful with checking the terms to make sure you have the right level of cover.

      • RENERO on 15/03/2024 - 19:40

        Thanks. I've looked into previous deals, but I'm struggling to understand if there's a method for accumulating Velocity points. I typically convert Everyday Rewards Points to Qantas, but I'd much rather collect Velocity points and fly with Singapore Airlines (with $0 taxes!). Currently, Qantas rewards flights availability isn't great.

          • RENERO on 16/03/2024 - 14:13

            @ddhar: Just read the fine print and it seems a pretty meh offer if I'm reading it right. Basically to get 140,000 points you need to pay $155 per week for at least 90 days. 140,000 points for $1860+ seems orrendous. What am I missing?

            • Pacify on 16/03/2024 - 15:29

              @RENERO: Holy crap, what sort of cover is costing you $155 a week?

              • RENERO on 16/03/2024 - 15:36

                @Pacify: This is the Medibank offer that @ddhar posted above

      • ozbarbara on 16/03/2024 - 08:28

        How does this work with waiting periods if you actually end up needing your insurance and you’ve just switched?

        • Frozensage on 16/03/2024 - 09:00
          +2

          Waiting period served is carried over from previous provider via the transfer certificate.

      • Frozensage on 16/03/2024 - 08:59

        It’s better than cc cause no credit check and doesn’t affect your borrowing.

  • Holidaymaker on 15/03/2024 - 20:11

    Does anyone know if there is rule on pausing one cover and joining bupa for 6 weeks for everyday rewards?

    • easternculture on 15/03/2024 - 20:11
      +2

      Doesnt work cause they need your transfer certificate

      • Holidaymaker on 15/03/2024 - 20:15

        Thank you. $700 for 6 weeks is definately worth the energy.

  • viper8548 on 15/03/2024 - 20:11

    Should I use my limits before churning? any tips regarding this?

    • huey on 15/03/2024 - 20:28
      +3

      Pretty sure your limits get carried over to the new provider.

    • Frozensage on 16/03/2024 - 09:01

      If there are things to use it for sure why not especially with no gap stuff like glasses.

      • ar7ist on 19/03/2024 - 00:08

        How does one find no gap items their cover? It doesnt say anywhere in Bupa for me.

    • YesPleaseThankYou on 17/03/2024 - 15:24
      +1

      After Bupa, switch to a fund that resets limits on 1 July (eg, Peoplecare, AHM, etc) and claim again if you need.

  • dealsniper on 15/03/2024 - 20:15

    Has anyone managed to get 140,000 rewards points as existing customer? What is the best retention offer for existing Bupa customers?

  • froddo on 15/03/2024 - 20:36

    Does anyone have any good suggestions apart from Bupa to churn , I was Bupa member recently so won't be able take up this promo

  • hishaken on 15/03/2024 - 21:02

    For seniors who have LHC loading, is it a good idea to join to benifits 6 weeks free, dental clean and glasses then stop the plan? For churning.
    Would it reset the LHC loading after join?

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