Looks like not good for churning unless someone just want 30 days free
Where a policy is cancelled within the thirty (30) day Cooling Off Period, no free month will be applied. Where a policy is cancelled within the period that has been applied for free, the policy will be terminated from the policies previous paid to date.
Limit of one free month in the lifetime of a member/ membership.
‘Join Phoenix Health Fund and get a month on us!’ promotion not valid with any other offer or promotion.
Phoenix Health reserves the right to deduct an amount equivalent to the value of the free month from the New Member, should they cancel their policy within six (6) months of joining or re-joining.
Phoenix Health reserves the right to recover the value of the free month should the New Member or Membership be suspended or cancelled by Phoenix Health within the first three (3) months of the commencement of the policy.
Just switched from NIB. $50 per month cheaper and $430 approximately free. Total $1000 savings. Telephone call answered in 10 seconds by an Aussie without going through hoops. 4.9 rating Product Review.