• expired

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

2210
6 Weeks Hospital+Extra Cover Free after 30 Days, up to 140,000 Everyday Rewards Points, 2 & 6 Month Waiting Period Waived @ Bupa
Go to Deal
Cashback
jackofspade on 15/03/2024 - 16:52 bupa.com.au (6454 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 (241)

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.

Financial Ancillary Health Insurance Health Insurance Insurance Reward Points

Related Stores

Bupa
Bupa
Everyday Rewards
Everyday Rewards
Marketplace

Comments

      • bumpyhead on 19/03/2024 - 11:28

        What happened in the end? Did they adjust the premium in time?

        • infinity3000 on 20/03/2024 - 15:06

          I will have to wait and see, my policy doesn't activate until next month

  • The tiger on 18/03/2024 - 09:27

    Hi, Dealerdean,
    What do you mean by 230/month or 260/ month. Also Do you indicate Medibank instead of Medicare in your above comment?

  • Geoff01 on 18/03/2024 - 10:20
    +1

    So basically we don't have private insurance. If as a couple I take out lowest hosp and extras at roughly $40 a week. After month 1 the 6 weeks free applies so I cancel after 60 days having spent only $160. And get $700 in reward points. It also says that the 2 month waiting period is waivered to I can get my glasses renewed and a teeth check as well with some out of pocket expense. Also could just cancel the direct debit if I can't be arsed ringing which should cancel the membership. All seems to good to be true

    • strikerzebra on 18/03/2024 - 11:06

      Yeh I am in a similar situation except with 1 child , coming to about $42 a week a couple or $50 a week for family , might go with the above

      Just checked , the lowest level of extras doesn’t include optical , you would need to go with flexextras

      • tunzafun001 on 10/04/2024 - 00:13

        So $8 a week more for 30 days, giving you an extra $350 Woolies Bucks bonus?

  • mrcosmo on 18/03/2024 - 10:22

    Can you sign up for a cheap extras plan, they say if you had to get wisdom teeth removed could you just increase your plan while you get it done then go back to a cheaper plan right after?

    • Charlieeee on 18/03/2024 - 12:00
      +1

      You need to sign up on combined cover for this promotion. So you could choose the cheapest hospital cover and choose a more expensive extras cover. The wisdom tooth extraction by a dentist is under general dental which has the 2 month waiting period waived from this promotion. So just sign up with the plan which has a good annual limit and claim back percentage and you can immediately claim wisdom tooth extraction at a dentist. For instance, top extras boost has an annual limit of $1,100 and 80% benefit back at Members First Providers.

      Changing your plan would mean you would have to reserve waiting period for the higher benefit.

      • mrcosmo on 18/03/2024 - 12:08

        So going from a cheaper combined cover to a more expensive combined cover you have to serve the 2 month waiting period again? I think that's what I am trying to ask.

        • Charlieeee on 18/03/2024 - 12:20
          +1

          Well, when you join a new policy you have a 30-day cooling off period. So, you could technically join and within 30 days call them up and ask to change to a higher plan (provided you haven't made any claims), but they will just in your case adjust your premium for the first month to the higher amount. If you ask outside this 30 day cooling off period, yes you will have to serve the waiting period for the higher benefits, but can still claim up to the lower benefit amount you had in your previous cover. Point is, I don't see any point to joining and then increasing your plan, as you'll end up paying the same amount for that month. Just join with the higher plan to begin with.

    • Love a bargain on 21/03/2024 - 13:26

      Waiting period applies to any increase/ additional coverage.
      Wisdom teeth removal is major dental from memory which usually comes with a 12 months waiting period. Pre-existing condition also comes with a 12-month waiting period. & 12-month waiting period is never waived.

  • DooDah on 18/03/2024 - 14:43
    -1

    Whats the best way to compare policys without reading all the details?

    I'd like to have the same coverage as I currently have with AHM.

    • Pcosmic on 18/03/2024 - 15:54
      -1

      Yes

  • kellymarie83 on 18/03/2024 - 17:02

    Thinking of adding my partner to get the extra ER points for a couples policy ($50/week policy and 140,000 points VS single $30/week and 70,000 points = $80 more for an extra $350 in points)

    …Do any "pro churners" know if it will be eligible if my partner doesn't have PR yet (I'm a citizen) and has only had overseas PHI so possible LHC loading? Thanks in advance! :)

    • kellymarie83 on 19/03/2024 - 09:25
      +2

      Bupa webchat confirmed the partner must have interim or full Medicare for anyone else interested!

  • boretentsu on 18/03/2024 - 18:14

    How worthwhile/viable is churning if you only take out basic hospital only (no extras)? It seems a lot of these X weeks free deals only apply to extras coverage and when you factor in the additional costs, it will eclipse any free periods (6 weeks is just a bit over 10% annual saving).

    In order to ride this train, it seems that you need to overbuy cover and hope for the next deal to churn to otherwise you'll be overpaying.

    Am I missing anything in this picture? Has anyone actually documented their last year's churn experience costs in a tabulated format to indicate the amount saved?

    • YesPleaseThankYou on 18/03/2024 - 19:32

      Has anyone actually documented their last year's churn experience costs in a tabulated format to indicate the amount saved?

      Please do the calcs and let us know.

      All of us regular churners may have gotten it wrong.

      Thank you for your service.

        • YesPleaseThankYou on 18/03/2024 - 21:08
          +2

          I'm not entirely following your calculation but let's look at the following:

          • Hold Bupa Basic Plus Starter Hospital policy for 1 month and 6 weeks. Costs $109.90 for 1 month + $25.35 × 6 weeks = $262.00 (no applicable promotion, see ^ below)
          • Hold Bupa Basic Plus Starter Hospital & Freedom 50 Extras. Costs $129.90 for 1 month + $0 for 6 weeks free = $129.90

          Notes:

          • No rebates have been applied.
          • Have used a holding period of 1 month + 6 weeks because, anecdotally, this is the most common promotion. That is, pay for 1 month, get 6 weeks free.
          • Policy costs taken from Bupa website 18/03/2024.
          • The two selected policies, together, qualify for the current Bupa pay for 1 month, get 6 weeks free promotion.
          • Hospital policy is 'approved hospital insurance' for surcharge purposes, see Medicare Levy Surcharge

          As you can see, it is cheaper to take out the combined policy. Rinse and repeat all year.

          ^ Unlike the second Bupa promotion available now, hospital-only promotions are not typically offered.

          This would also mean having to scout for the best deal at the time

          There is always a suitable promotion.

          in principle, it would be worthwhile churning just to grief the private health insurance industry

          Love it!

          • YesPleaseThankYou on 18/03/2024 - 21:19
            +1

            @YesPleaseThankYou: I'll add that in my case, I prefer to take out Extras cover as I always get more back than I pay in premiums (optical and dental, mainly - just glasses and contacts, and regular dental checkups).

          • VQLD on 21/03/2024 - 14:59

            @YesPleaseThankYou: "Where Bupa has chosen to provide more than the minimum requirements as set by the Australian Government you will see a “Plus” in the title of the hospital product, this product may be an on sale, off sale, domestic or corporate product."

            How this can be compared to other providers when churning PHI?
            E.g. BUPA's - Basic Plus Starter Hospital
            As I can see, Medibank has some sort of Basic Plus policies but Queensland Country doesn't (as an example)…

            Would it be better to get, say, "Bronze" and stay on it so it can be more comparable with other providers?
            Or how does this work when switching from one provider with Basic Plus (Digestive system included) to another provider where Digestive is only available under Bronze?
            Should the policies be from the same "Tier" when churning or not necessary?

            Thank you!

            • YesPleaseThankYou on 26/03/2024 - 21:14
              +1

              @VQLD:

              Should the policies be from the same "Tier" when churning or not necessary?

              Not necessary but remember that you will need to serve waiting periods for any body system covered by the new policy but not covered by the old policy.

              To make your churn search easier, I would stick to the same tier. There's no standard to the 'Plus', so it's harder to compare across insurers.

              To reduce the cost (time) of my search, I just stick to top hospital and top extras. I figure it isn't worth my time spending all those extra hours getting into the nitty gritty of what is covered and what is not. You may have a different view about this.

              Just to add, this is a great tool: https://www.privatehealth.gov.au/dynamic/search/start

              • VQLD on 27/03/2024 - 15:49
                +1

                @YesPleaseThankYou: Thank you.
                PHI was always very confusing topic for me but after crawling through your previous posts the picture now is much more clearer

  • NoBargainNoLife on 19/03/2024 - 10:30
    +4

    Signed up on Saturday then immediately received an email saying they are processing, no more communication ever since. Anyone have the same issue or this is the norm should I just wait another few days.

    • magpiejay on 19/03/2024 - 12:53

      I've had this experience, but also getting the 'continue your quote' emails. So clearly their systems are a bit shyte. Maybe they'll add an extra sweetener soon to a deal i've already singed up for!

      I did put my initial payment date as a future date though, so maybe that has an effect.

    • ddhar on 19/03/2024 - 16:43
      +1

      Same here. Signed up on Friday, got a reference number but no further email and my credit card hasn't been debited either.

    • NoBargainNoLife on 22/03/2024 - 11:06

      UPDATE:
      Received a welcome email from BUPA today 22/03/2024. No promotion info is mentioned, checked with the online chat to confirm I will get the promotion.

      • souths123 on 22/03/2024 - 14:35

        so, they can see you will get the promo. I paid and I know I applied the code as it accepted it and I clicked on the terms and conditions showing in the deal applied before I paid. Hit the pay button and then wished I had taken a screenshot showing I had the promo code applied. Too late now and the email you receive initially doesn't mention the deal applied to the account, and obv your welcome email doesn't say it either….not very good system as it causes confusion and angst as to whether they are going to honour the deal….you have nothing to show that you signed up via that deal promo apart from what you see on the website when applying.
        Also, when you go into the app does it have any of the info in there and does you next payment show it is now 6 weeks after the date they showed future payment would be initially?
        i.e. I joined today, showed that next payment would be 22/4 (I paid monthly) even though I applied the code that date remained the same….hoping that changes when the application is processed and I can use the app.

        • coolc on 23/03/2024 - 15:20

          signed up 20th and still my next payment in 30 days. no free weeks showing.
          also no mention about promotion or points.

          • souths123 on 23/03/2024 - 15:29

            @coolc: I signed up yesterday using the code, the app is showing the next payment is the 22nd June (I did one month payment) I'll cancel before the 3rd June (the 6 week free mark) so that I won't owe anything.
            Are you sure you applied the code?

            • coolc on 23/03/2024 - 15:31

              @souths123: interesting. Should not it be like 1st week of june. 22nd more like 2 months free.

              • souths123 on 23/03/2024 - 15:32
                +1

                @coolc: yes, but it might be the case that it is the middle of the month and paying for 2 weeks either side? IDK I thought it would show the next payment as 3rd June if it was the 6 weeks free. I will still cancel just before the 3rd to be sure.

                • YesPleaseThankYou on 23/03/2024 - 15:36

                  @souths123: It all washes out in the end. If there's any overpayment, request a refund when you transfer.

                  Just make sure that, in the end, you have only paid for one month (eg, 23/03 to 22/04) and have received 6 weeks free (eg, 23/04 to 03/06). On 04/06 your policy with a new insurer commences.

  • dealt on 19/03/2024 - 12:08

    Thank you OP signed up!

  • DanielTr on 19/03/2024 - 12:42

    If you missed this offer but still well within cooling off period of your policy, you could call Bupa customer service and ask them to transfer or backdate to this promotion. Dont forget to mention that you are still within cooling off. I had mixed results. Worse, they could give you 50$ voucher or 5% off policy

    • YesPleaseThankYou on 19/03/2024 - 17:12

      Why would anyone bother for $50 or 5% discount?

      Move to a competitor under an active promotion and save $100s.

      It never, ever, pays to stay.

      ps. for me to call Bupa customer service, they would have to pay me.

      • tunzafun001 on 10/04/2024 - 00:30

        How do you cancel? Chat / visit a store/ email etc?

  • DooDah on 19/03/2024 - 15:32

    Hey guys - first time ever changing PHI. Do I need to notify my existing insurer, or does it happen automatically, similar to changing energy provider?

  • coolc on 19/03/2024 - 20:20

    Even after promo code it shows next Derect debit in 30 days

    • dwi on 20/03/2024 - 03:49

      I was worried about this too. Hopefully from it just not having been applied yet due to terms requiring 30 days successful debit, for the first lot of free weeks to take effect. Does that mean it could potentially be two monthly charges before the 6 free weeks kick in?

      • Love a bargain on 21/03/2024 - 13:28

        Any unused premium payment will be refunded when you cancel your policy

        • dwi on 21/03/2024 - 15:34

          Wonderful, thanks for reminding me. Had forgotten what that meant.

  • Ash1234 on 20/03/2024 - 12:05

    Which code needs to be used 10WEEKSPLUS or REWARDS10WF

    • souths123 on 20/03/2024 - 14:36

      they must both be valid. I looked on the website it has the first one, but I got an ER email today with the second code you mentioned

    • souths123 on 22/03/2024 - 14:36

      use the 10WEEKSPLUS as the everyday rewards code doesn't have the waived waiting periods

      • HeroNoone on 03/04/2024 - 02:31

        This what theirs T&Cs say.

        …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.

        e. provide the promotion code “REWARDS10WF” on sign-up; and

      • TearsOfTheGanandorf on 10/04/2024 - 23:10

        if you read the fine print, they do waive 2 and 6 month waiting period on Extras

  • realaccount627465746 on 20/03/2024 - 17:11

    i did the old qantas switcheroo and upped my cover before the 60 days then downgraded it for a refund and scored like $600 worth of everday dollars earlier this year

  • calvinharrison on 21/03/2024 - 08:09

    Hi Everyone. Hoping someone is able to help. I have been with Medibank for 4 or 5 years, no break in insurance. I was going to change to this deal before it expires, however have just had something looked at at the doctors and had an ultrasound, now being sent to a surgeon to see if it needs to be taken out. I'm told it's nothing serious (not cancerous etc).

    Could I change to BUPA now and still be covered for anything that may come of this? If so, assume I need to report an existing medical condition? My concern is that they wont cover it, why would they take a new customer who is being checked out for something? However on the flipside, if I've met waiting periods elsewhere, why shouldn't I be eligible?

    If switching should be no issue, should I do it before scheduling surgeon appointment? Thanks, it would be great to hear if anyone has been in a similar situation.

    • Pcosmic on 21/03/2024 - 09:13
      +1

      You want to risk all that just to save a few bugs?

    • Love a bargain on 21/03/2024 - 13:36
      +2

      If what you are claiming is:
      - covered by both your old and new policy, it is covered
      - covered by your old policy but not the new one, tough luck
      - covered by your new policy but not your old one, and it is not a pre-existing condition, it is covered
      - covered by your new policy but not your old one, and it is a pre-existing condition, again, tough luck

      Also be mindful that once you have had a surgery, it's probably worth staying on the same policy because the payment of excess (which is usually only payable on the first hospital admission in that policy period, i.e. calendar year for both Medibank and BUPA) is health fund specific. I.e. if you have paid excess to BUPA for surgery #1 in a year and switch back to say Medibank after that, you'll have to pay excess to Medibank again if you need another surgery later on in the year.

      • YesPleaseThankYou on 09/04/2024 - 20:57

        Also be mindful that once you have had a surgery, it's probably worth staying on the same policy because the payment of excess (which is usually only payable on the first hospital admission in that policy period, i.e. calendar year for both Medibank and BUPA) is health fund specific. I.e. if you have paid excess to BUPA for surgery #1 in a year and switch back to say Medibank after that, you'll have to pay excess to Medibank again if you need another surgery later on in the year.

        Fair comment — except that the money saved via churning will likely far exceed any repeat excess or co-payment.

    • YesPleaseThankYou on 09/04/2024 - 20:55

      Could I change to BUPA now and still be covered for anything that may come of this?

      Yes.

      If you have served the waiting period for the relevant clinical category in your existing fund, then you will not need to re-serve the waiting period in your new fund.

      Your old fund will issue a Transfer Certificate (also known as Clearance Certificate) that your new fund will use to determine whether you have served the waiting period for the relevant clinical category. You have a legal right to change.

      If you are still unsure or not confident of the process, you could and should ask Bupa to confirm the above for you.

      If so, assume I need to report an existing medical condition?

      Not until you claim.

      why would they take a new customer who is being checked out for something?

      Because this isn't America.

      In Australia, you have a legal right to change health insurers. Coverage cannot be refused for having an existing condition. Provided you have served the waiting periods, even if, for example, you were with the new fund for just one day into your new policy, it is liable to pay for your treatment (subject to your policy limits and Fund Rules).

      If switching should be no issue, should I do it before scheduling surgeon appointment?

      My view is that it doesn't matter when you switch.

      Underrated tip:

      Note that your surgeon will likely have a preferred hospital. Once you know that, if your present fund doesn't have an arrangement with that hospital, switch to a fund that does.

  • Neyo01 on 22/03/2024 - 14:22

    What are the chances we get a similar offer (from Bupa or other) that I can choose to start in the next FY as I'm under the MLS threshold this FY.

    • souths123 on 22/03/2024 - 14:41
      +1

      always just the luck of the draw for when and what deals will be on offer. We are in Tier 2 this year and I was going to let it ride and pay it but this deal was too good to pass up for around 2.5 months cover. Will cost us $336 for the first month then 6 weeks free and I will cancel before the 6 weeks is up before it debits the next payment and I will save $580 MLS in that period and get $700 in ER points. Plus I am going to go to a BUPA dentist during the time and get a checkup, clean etc as that is 100% free. Only thing I hate about this is, when you sign up there is nothing in the email mentioning the deal even though I know I applied the code correctly (it said it was applied and showed the info there) Forgot to take a screenshot of that page just in case of any issues. Others have said even when they get their welcome email and the first payment is taken out there is nothing showing about the deal……not great.

  • screensaver on 22/03/2024 - 16:12

    make sure your everyday rewards card has the same name and add your card number to bupa

    • tunzafun001 on 10/04/2024 - 00:39

      Gahh..my woolies card isn't under my name.

      When they first came out it stupidly added your first order details as your name (in my case it was my works name)..

      Tried and failed to change it a few years back. Might need to start a new woolies account.

  • strikerzebra on 23/03/2024 - 16:32

    Had the same issue, signed up for Basic Accident Only Hospital with Freedom 60 Extras It says next payment will be in a month, I did apply the promo code
    Due on 28/03/2024.

  • aldoboy on 24/03/2024 - 01:56

    I am with Bupa emergency ambulance cover. Am I eligible for this?

    • magpiejay on 04/04/2024 - 09:16

      It seems they class 'ambulance cover' as 'health insurance' and are refusing the offer post sign up!!

  • I like freestuff on 24/03/2024 - 15:56

    Never had health insurance, just confirming that if I signed up with the promo code I could go to a dentist to claim a portion of that visit back for anything done that falls under the the basic extras cover for dental effectively straight away (no 2 month waiting period?)

    (I’m aware there is a $ limit and I have to go to one that Bupa recognises).

    • strikerzebra on 24/03/2024 - 15:59

      That is correct, they are waiving 2 month waiting period which is for general dental if you use the code. You don't have to go to a bupa recognised dentist but they give you more back if you do .

      • tunzafun001 on 10/04/2024 - 00:44

        Same waiting period waved for say massages, physio and optical?

        Also, the limit on the extras says $500 at the bottom. Is that for each extra? Ie..$500.dental+ $500 optical+ $500 remedial therapies ..or just $500 total for the lot?

  • VQLD on 25/03/2024 - 16:49

    Does this mean that you can actually start Bupa on 09/05/24? E.g. take QCHF now for 6 weeks free, and also get Bupa, say next week, but with start date 09/05/24?

    From Bupa T&C:
    " 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;
    pay your health insurance premiums by direct debit ongoing to receive the Offer in year 1 and year 2;
    provide a valid email address; and
    use promo code 10WEEKSPLUS if joining online."

    • YesPleaseThankYou on 25/03/2024 - 18:17
      +1

      I think you have answered your own question.

    • tunzafun001 on 10/04/2024 - 00:46

      What about the reverse? Ie Bupa now, Queensland health after?

  • 28kb on 26/03/2024 - 20:25
    -1

    Hi I am currently on WA Private Health but live in VIC, Keen for this as need to get some dental done, does anyone know if there is risk with old private health insurance no longer going to accept that I live in WA? Dont want to lose being able to claim WA insurance which is the cheapest

    • YesPleaseThankYou on 26/03/2024 - 21:07

      You got me curious, so I went and got quotes from Bupa for 'Gold Comprehensive Hospital' (no rebate). Here are the monthly costs across 3 states:

      • WA 287.00
      • NSW 321.15 (+34.15 difference from WA)
      • Vic 346.65 (+59.65 difference from WA)

      At best, you could be breaching your insurer's Fund Rules. At worst, you could be engaging in fraud. All to save a few dollars per month.

      I say a few dollars, because I am assuming that you are not on the highest level of cover, so the cost differential between states is going to be less than the above example.

  • zozuc on 29/03/2024 - 00:51

    Hi, can you please help me with this? Do you cancel existing one and switch or how does this work? @YesPleaseThankYou.

    • BargainMe on 29/03/2024 - 10:25
      +1

      Bupa will take care of everything.

      • zozuc on 29/03/2024 - 10:43

        I already moved to Bupa on three days ago and paid for first month. However, when I log in to AHM, my next payment will be April. I am not sure whether Bupa will take care everything even if I am not Principle member.

        • zozuc on 31/03/2024 - 18:49

          Do you have experience on that @YesPleaseThankYou? In this case, do I have to ask AHM to provide Transfer Certificates? Thank for many posts you provided. I leant a lot from them. Thanks

          • YesPleaseThankYou on 31/03/2024 - 21:51
            +2

            @zozuc: AHM will more than likely send you the Transfer Certificate without you having to request it. If you authorised Bupa to contact your old fund (AHM) to arrange the transfer, then AHM will also provide Bupa with a copy of the Transfer Certificate.

            Consistent with my previous posts, I recommend that you also keep a copy of the transfer certificate for yourself. Why? Some funds will ask for certificates to cover the duration of the longest waiting period covered by your new policy, eg, 2–3 years. Funds are inconsistent about requesting these historical transfer certificates.

            Side note: Waiting periods for Hospital cover clinical categories are standardised, as are the inclusions in the various Product Tiers (Gold, Silver, Bronze and Basic). This is not the case for General Treatments, also known as Extras, see Waiting periods: 'The waiting periods for general treatment (ancillary or extras) cover are set by individual health insurers'.

            I recommend filing your transfer certificates on your computer under a folder structure similar to this example:

            YYYYMMDD to YYYYMMDD FUND NAME
            20240101 to 20240215 Bupa
            20240216 to 20240331 Medibank
            20240401 to 20240515 Peoplecare

            In each folder, I would also store the Private Health Information Statement (PHIS) for the policy type you held. A fund is required to provide you with the PHIS if asked. You can also obtain it yourself from https://www.privatehealth.gov.au/ Do not store anything else in these folders, as these are only for you to send off to your new fund, if requested. You don't want other information in there, you can store that elsewhere.

            If you are asked for historical transfer certificates for a specific period, you can just zip the relevant folders and send them off to the new fund.

            • zozuc on 31/03/2024 - 22:10
              +1

              @YesPleaseThankYou: I already provided details of my AHM policy when I switched to Bupa. However, I still do not get any notice from AHM yet. My next payment of AHM is still in April. I will wait after holiday and then ask Bupa about Transfer Certificate. Thanks for all tips and the way you make folder, which is very efficient.

              • YesPleaseThankYou on 31/03/2024 - 22:21
                +2

                @zozuc: Sometimes, funds stuff up the transfers. This can occur due to timing issues, staffing issues, or other reasons. If you get overcharged any premium by your old fund, just request a refund of that excess premium it is holding.

                To minimise the prospect of your old fund overcharging, if I were you, I would contact AHM (in writing) to advise that you have arranged a new fund commencing from [DATE]. Obviously, that means that the AHM policy should not operate after [DATE] - 1.

                I always send my old fund an email confirming that I have moved to a new fund and include the relevant dates. Other than if there was an administrative error, you generally cannot backdate the cancellation of an insurance policy.

                • zozuc on 31/03/2024 - 23:04
                  +1

                  @YesPleaseThankYou: Since I read your posts before I did contact with AHM via email [email protected]. However, it seems not working and prefers via phone. Thanks for tips related to overcharge. I will contact AHM and Bupa next week to solve problems. Thanks again for very detailed explanations. I learned a lot from your comments.

                  • YesPleaseThankYou on 31/03/2024 - 23:10
                    +1

                    @zozuc: Yes, many of them prefer phone, where recordkeeping is poor and sometimes does not align with what you requested.

                    If they are uncooperative or unreasonable in any way, just used the published complaints policy. Don't be afraid to escalate, but always keep it in writing:

                    If you have feedback, or would like to lodge a complaint please email us at [email protected]

                    Source: https://help.ahm.com.au/hc/en-us/articles/115005292887-How-d…

                    • zozuc on 31/03/2024 - 23:38
                      +1

                      @YesPleaseThankYou: Thanks, just managed to send to that email. Hope everything can solve next week. My Bupa next payment will be 5 June. As you recommended from your comment, I will find next one after that.

  • aiyoyo on 29/03/2024 - 09:19
    -1

    Combine with Shopback up to $680 cash back?

  • strikerzebra on 29/03/2024 - 14:23

    I spoke to the online team and they said the policy will have to be activate for the points to be pais , they will be paid between 60-90 days from policy start date , that means there may be a second payment if the points are paid at 90 days?

    • BargainMe on 29/03/2024 - 15:51
      +2

      I got this email from Everyday Rewards today:

      "Thanks for joining Bupa, your policy details have been confirmed.
      All you need to do is maintain your Bupa policy – your Everyday Rewards points will land in your balance around 60 days after your policy start date"

      • strikerzebra on 29/03/2024 - 16:12

        how long after you signed up did you get the email ?

        • zozuc on 29/03/2024 - 16:40

          I applied on 25/3 and also got email today.

          • strikerzebra on 29/03/2024 - 16:51

            @zozuc: Ok thanks, my first payment just came out, I should get the email soon

            • zozuc on 29/03/2024 - 17:02

              @strikerzebra: Do you get notice from previous company related to cancelling your policy? I am not sure why I do not any updates from them and my payment will be April. Thanks

              • strikerzebra on 29/03/2024 - 18:05
                +1

                @zozuc: I didn’t have health insurance with another company .

  • aiyoyo on 30/03/2024 - 10:33

    Consider transfer from Medibank to Bupa for family cover. Only thing worrying me is the limit per membership. Can someone explain to me please?For example-Optical:

    Annual limit (per person)
    $200 per person,
    $400 per membership

    means if I have 4 members and need 4 pairs of new glasses in a calendar year, I only eligible to claim for 2 persons each person limit to $200 per calender year?

    • YesPleaseThankYou on 30/03/2024 - 12:43
      +2

      Only thing worrying me is the limit per membership.

      The top-end extras covers don't have that restriction. Will you be claiming for optical during your time with Bupa?

      After the benefit of the promotion has been gained by you, move to a new fund — Bupa's restriction will no longer be of consequence.

      Enjoy your 6 weeks free and move on.

      • aiyoyo on 30/03/2024 - 21:45

        Thank you for the details explain!

        If I join and start by today, when will be the time to abandon Bupa after getting all 6 weeks free and reward point?

        • YesPleaseThankYou on 30/03/2024 - 21:58
          +2

          You'll need to read the terms yourself, but you would abandon Bupa, as I said:

          After the benefit of the promotion has been gained by you

          For example, if you were to join today:

          • 30/03/2024 to 29/04/2024 is 1 month (provided you meet other terms, this first month qualifies you for the 6 weeks free).
          • 30/04/2024 to 10/06/2024 is the 6 weeks free period.

          I suggest you look for a new policy around the beginning of June, so you get your new card in the mail etc. There's always an insurer with a promotion, you just need to look.

          I would suggest, in particular, you look toward AHM or Peoplecare around this time, as these funds reset inclusions on 1 July. You will be able to claim optical even if you have previously exhausted that category in 2024 with your current fund (or with Bupa when you switch to it).

          • 11/06/2024 You would start your new policy.

          When you leave a fund, be sure always check the Transfer Certificates issued to you by the 'old' fund, to ensure that From and To policy dates are correct. If they are not, ask the insurer to correct these.

          As a side note, the health insurers have collectively decided (long ago, I might add), to refer to policyholders as 'members'. The idea is that policyholders, umm 'members', feel a sense of belonging to their fund. This is BS. It's just insurance, like any other insurance. If you want to save, you should always be churning.

          • aiyoyo on 30/03/2024 - 22:07

            @YesPleaseThankYou: What if i choose to pay by annual? I assume I will still get the same offer plus old rate for the rest of the year right?

            • YesPleaseThankYou on 30/03/2024 - 22:11
              +1

              @aiyoyo: Why would you pay annually?

              You could probably get a better return by keeping that money in a high interest savings account.

              I would not recommend paying annually.

              To save, you need to churn. You save approximately 58% per annum by following the '6 weeks free' offers.

              If you do want to pay annually, it will all work as you expect, except you'll get 6 weeks free under the promotion.

Login or Join to leave a comment
Login Join