• expired

Join Bupa Hospital & Extras Cover & Stay 60 Days, Get up to 170,000 Everyday Rewards + 6 Weeks Free @ Everyday

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EVERYDAY6WF

Bupa and Everyday rewardshave come with a new deal which looks much better then their previous expired deal as it got 6 weeks free now as well.

To be an Eligible Customer for this Offer from Woolworths Group Limited (“Woolworths”) (the “Everyday Rewards Offer”), you must be;

a) 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 to one Bupa policy. Multiple Bupa policies cannot be linked to the same Everyday Rewards card. Note: the surname for your Everyday Rewards account must match your surname or that of another member within your Bupa policy. If you do not meet the eligibility criteria to receive up to 170,000 Everyday Rewards Points (equal to up to $850 Everyday Rewards Dollars) Offer, you will still receive the 6 weeks free health insurance (6 weeks free in year 1) provided you satisfy the relevant Offer eligibility criteria.

b) provide the promotion code “EVERYDAY6WF” on sign-up; and

c) provide a valid email address upon joining Bupa.

First Year Premium range (AUD) Everyday Rewards points Equivalent Everyday Rewards dollars
$7,000+ 170,000 $850
$6,000 - $6999 140,000 $700
$5,000 - $5999 120,000 $600
$4,000 - $4999 100,000 $500
$3,000 - $3,999 80,000 $400
$2,000 - $2,999 50,000 $250
$1,000 - $1,999 30,000 $150
<$1,000 15,000 $75

Everyday Rewards Referrals

Everyday Extra: random (594)

Referee and referrer get 1500 points after referee's first paid month of subscription.

Related Stores

Everyday Rewards
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Comments

Search through all the comments in this post.
  • +1

    new customer criteria

    You are an Eligible Customer if you:

    a) have not held domestic Bupa health insurance within the last 60 days of your to join date;

    Good for churners

    • -7

      Not good if they never pay up on time 👍 waited over 60 days (total 120 days on policy) and still never showed up, i just use other more trustworthy insurances now not worth my time - check previous Bupa deals for reviews

  • When do you receive the 6 weeks free? Is it the first 6 weeks?

    • +1

      i) In most cases, your 6 weeks free will be applied 28 days after you join, extending the date you’re “paid to”.

      • So would that mean I only need to pay for the first 28 days to get this offer?
        I pay for 28 days, get the next 6 weeks free and get paid out the everyday rewards at about day 61?

        • All Eligible Customers will collect up to 170,000 Everyday Rewards points (equal to up to $850 Everyday Rewards dollars) which will appear in their Everyday Rewards Account within 30 days of all eligibility criteria being met. The number of Everyday Rewards points you are entitled to is dependent on the value of your first year’s premiums for the Eligible Bupa Health Insurance Policy you hold at the time of meeting all eligibility criteria and paying 60 days of premiums by direct debit (60 days does not include any free cover periods).

          You will need to pay 60 days of premiums, excluding the 6 weeks free.

          • @gembel:

            60 days does not include any free cover periods).

            You will need to pay 60 days of premiums, excluding the 6 weeks free.

            Thanks. That clears it up.

  • Right…so pay 60 days (approx 8 weeks) get 6 weeks free.

    Then points arrive (allegedly) in 30 days.

    Your choice if you leave or not at day 61.

    Guarantee you will need to work for it (ie complaints etc), your transfer will be a disaster for 30 days…but you eventually learn the routine….thats Bupa!!

    Key takeaway..

    'Pay 8 weeks, get 6 weeks free + woolies dollars after 30 days'

    I did see Teachers health have 8 weeks free after 8 weeks paid. Similar for many I assume.

    • +5

      I had zero issues with the last Bupa round I did

      • Same here. They (BUPA) actually called and offered me the same (or close to) the free weeks on offer from GMBH at the time. I think that was 13 weeks. I scragged 10 free weeks and was happy enough with that.

    • Pretty good summary.

    • Pretty much my experience. Won’t sign up with them again unless there’s no other option

  • Can we future date? I’m churning through my 6 weeks of HBF + $300 finder GC atm.

    • +2

      When you signup it will have an option to select start date

      • +1

        oh daddy!

  • -4

    Didn’t get my points for over 60 days after, spent hours following up calling and “wait”. gave up, good luck to those - check previous bupa deals of everyone else complaining (1 post had over 10 pages)

    • At least this time around there are 6 weeks free. I think previous offer did not have 6 weeks free? correct me if I am wrong

      • Previous offer had 6 weeks free

  • +1

    that's awesome offer!
    If you dont want to deal with (any) ER points issues, you can just use 6weeks free.

  • FFS just signed up for the 150k deal last week and have to wait 60 days for the points to arrive 😭

    • 10 days cooling off I think.

      • Wait if you cancel and apply for this again won’t it void this offer as you previously held a policy within 60 days?

        • try and let us know :)

          • @VQLD: Not stupid enough to try and jeopardise 150k points.

  • I'm on HBF's gold cover since July. We're planning for a baby next year. I understand that switching insurers shouldn't be an issue but just want to hear from people who have switched often and covered for pregnancy on their experience. Thanks

    • +4

      We found being a public patient was much better. Gave access to MGP, midwifery group practice. Basically a midwife you get to know well before the birth, give them your plan, load of your tunes etc etc. Heap of home midwifery and support post as well. Not an option with private health.
      We have it, didn't use it. Shouldn't be an issue moving between providers (as long as the coverage is the same)….with one exception.. Bupa. They are terrible to move into. No issue moving away from.
      So a quick Bupa wedgie will be fine, as long as their coverage is just as good. Keep the transfer certificates to be safe ….but honestly, in SA public is a better option.

      • Appreciate the response, thank you

  • +1

    Thanks, will be moving.

    Been with Medibank…but this is too good a offer to miss….

    170K is 85K Qantas points … Gets you around 3 one way flights to Hong Kong as an example…(29K Qantas points + $157)..

    ON tp 6 weeks free…will move back after keeping it or 6 months

    • Yes I think this offer is too good miss. I will probably stay for 3-4 months and move on to medibank after this.

      • You are with Medibank at the moment.?

        • Nah hbf. Was with medibank before hbf

          • +1

            @FiDad: OK …if you haven't held Medibank or AHM insurance in last 12 months, moving back to Medibank makes sense as you can also get up to 130K velocity points.

            • @ozsingh83: Yes need to be on bupa for a bit before i can go back to medibank for tgat offer

  • the bonus points are depending on the "annual premium fee", but does it include or exclude government rebate?

    • +1

      just chatting online,

      1) life time loading is also included in the total premium
      2) governent rebate should be exlcuded (so you'd better choose no rebate in this time and get tax return) — if you want more points

      • Interesting….feel like Bupa will find a way to wiggle out…but hmmm….

  • $7k premium?? Is this saying we have to pay $7000/6 in premiums for $850 in points value? I don’t get it

    • +1

      what is $7000/6? To get 170K points you buy PHI for $584 per month and follow T&C

      • Yes, but don’t you have to pay for 2 months worth? So $7k/6?

  • Hospital Only cover not included this time (for either 6wks free or the Everday Rewards points):

    • An Eligible Health Insurance Policy is a combined Domestic Hospital and Extras product, or packaged product issued by Bupa and excludes:
      a) Any hospital product when combined with Extras Saver cover;
      b) Hospital only products
  • Signed up for a plan. Reached the 7k by reducing access to $250, will change back to $750 after 60 days (excluding the 6 week free).

    Too good to miss out, after 4 months or so, moving to HCF for Flybuys (unfortunately need to hold for 12 months).

    • Good idea. Do you max out your excess usually? The only downside is there's usually a 2 month wait period when excess is reduced.

  • Is it ever possible to stack these with Compare the Market cashback offers?

  • Has the "increase cover before 60 days deadline and decrease after" hack worked for anyone this year?

    • I'd imagine waiting periods would then apply - some are for 12 months

      • Please let them continue believe that they have discovered a secret that gives them free insurance and no interest on their home loan—with this one simple trick.

        • Sorry what do you mean? It did work before with both Bupa and Qantas for me in 2024, I'm asking if it worked for someone with Bupa recently.

  • Can someone advise what the waiting periods are please?
    Need to get 2x dental fillings in about 10 days or so, and they recommended we should sign our family up for health insurance… If I sign up today, how long would I need to wait?

    • +1

      Can someone advise what the waiting periods are please?

      You need to read the information published by Bupa.

  • Can anyone confirm if not answered before, can we do this again if we had used the same everyday reward card about 12 months ago and received the points?

    • +1

      Yes you can! Normally for free weeks it's 12 months wait and for points - 60 days. But what makes this deal awesome - you get both 6w free and points - with just 60 days of exclusion period (as per T&Cs).

  • Beware all, I did not get my 6 weeks free and everyday rewards from the March 2025 promotion.

    Still chasing until today.

    • I would just go to Commonwealth Ombudsman and complain. I think even just threating you will do tha might have a result.

  • +1

    I am a bit confused. Let's say I chosen "Silver Plus Essential Hospital with FLEXtras 6 Standard 50" that costs us $360/monthly.

    Bupa Everyday Rewards Offer — Cost & Value Breakdown
    Period What Happens What I Pay
    Month 1 (Weeks 1–4) Pay first monthly premium $360
    Month 2 (Weeks 5–8) Pay second monthly premium $360
    After Day 60 (~End of Month 2) I have paid the required 60 days (eligibility met for rewards?) Eligible for 6 weeks free (?) + 170,000 points (?)
    Weeks 9–15 (~1.5 months) 6 weeks of free cover — no payments for Hospital and Extras (?) $0
    Within 30 days after Day 60 (~Week 12) Receive 170,000 Everyday Rewards points (≈ $850 Woolworths/Big W value) Reward credited (?)
    After Week 15 (~3.5 months total) I have received all benefits — can cancel anytime after this point (?)

    Cost Summary
    Item Calculation Amount
    Premiums paid $360 × 2 months $720
    Free cover value 6 weeks × ($360 ÷ 4 weeks × 1.5) ≈ $540 value
    Everyday Rewards points 170,000 points × $0.005 = $850 value
    Total benefits received ≈ $1,390 value
    Net out-of-pocket cost $720 – $1,390 = – $670 (net benefit)

    Effective Monthly Cost
    Measure Amount
    Actual money paid $720 total
    Total time covered ~3.5 months
    Effective monthly cost (before rewards) $720 ÷ 3.5 ≈ $206/month
    Effective monthly cost (after rewards) ($720 – $1,390) ÷ 3.5 ≈ – $191/month

    Summary
    • I pay: $720 total (first 2 months).
    • get:

      • 6 weeks of free combined Hospital + Extras cover (≈ $540 value)
      • 170 000 Everyday Rewards points (≈ $850 value)
    • Total duration covered: ≈ 3½ months.
    • Can safely cancel: Any time after the 6 free weeks end (~Week 15).
    • Effective out-of-pocket: $0 (actual spend – rewards ≈ +$670 gain in value).

    So I Stay for about 3½ months, pay $720, and I walk away having enjoyed full hospital + extras cover, 6 weeks free, and $850 Everyday Rewards credit — all fully earned and ready to use. Am I correct in above?

    • +2

      It is very details.Only one thing, your 6 weeks free will be applied 28 days after you join, extending the date you’re “paid to”.

    • +1

      Oh my 👁️👁️

      Your sequencing in table 1 is wrong. You have not correctly applied when you get the free weeks.

      I stopped after that as my eyes hurt from your post.

    • I think I made a mistake in above. Thanks everyone for correcting me. Is below correct?

      • I must pay premiums for 60 days before becoming eligible for the Everyday Rewards points.
      • I must also maintain the policy and direct debit for 28 days before the 6 weeks free is applied (the “6 weeks free” doesn’t start instantly; it kicks in after I have paid for 28 days).

      The 6 weeks free period then extends paid-to date, so I am effectively getting 1.5 months free coverage at the end.

      The points (e.g. 100,000 Everyday Rewards points ≈ $500 as I am chosing $360/month option) are credited within 30 days after I have met all eligibility criteria.

      In simple terms:

      • Month 1: Pay $360 (first 28 days).
      • Month 2: Free 6 weeks starts (I don’t pay).
      • Month 3: Pay another $360 (second month).
      • Month 3.5–4: 6 weeks free cover runs its course; points arrive in my account within this window.

      Hence, I need to stay until around 3.5–4 months total from the start date to:

      • Pay required 60 days of premiums
      • Receive 6 weeks free period
      • Wait the 30 days for the $500 Everyday Rewards credit to land

      And I pay

      Item Amount
      Premiums paid $360 × 3 months = $1,080
      6 weeks free cover $540 value
      Everyday Rewards points 100,000 pts = $500 value
      Total benefits $1,040 value
      Net cost (1,080 – 1,040) ≈ $40 total
      Effective monthly cost (3.5 months) ≈ $11/month
    • -1

      "Having enjoyed full hospital+extras cover"

      Not with Bupa you won't!

      Not saying it isn't a good deal… But…

      factor in being on hold for large sums of time, app not working, points not paid without a complaint etc etc..

  • +3

    Hopefully, this helps someone with all the calcs: https://1drv.ms/x/c/0ac62cffb65331fc/EdvyuSGkh_9KqLJl02HmryA…

    Make a copy for yourself then complete the 2 orange cells.

    • +1

      It is very details caculation. In my case, only 32% discount off total premium. It is better to leave after 6 weeks free to get more benefit. Thanks again for very good comments related to health insurance.

      • +1

        I agree, it is a very 'details' calculation.

        I wouldn't ordinarily do the above for myself. I've been churning for so long, it's easy for me to do some quick calcs and determine whether a promotion suits my circumstances. Doing the rough calcs and signing up usually takes me around 15 minutes. Too easy!

        Those new to churning might find the spreadsheet useful to have some of the considerations visualised.

        I appreciate your comment.

      • +1

        In my case, only 32% discount off total premium. It is better to leave after 6 weeks free to get more benefit.

        Sure, typically the promotions are 'pay 1 month, get 6 weeks free'. This is all I am typically looking for. The EDR points are a bonus in this instance, paid for by the requirement to stay for the additional 32-day qualifying period.

        As the dollar value of the EDR points is greater than the premium for those 32 days, I decided it was worth staying for the EDR points to be awarded.

        • @YesPleaseThankYou

          To clarify.

          This is a 60 days (paid) + 42 days (free) = 102 day commitment.

          EDR points and 6 weeks free are about same value for me.

          Points land somewhere after day 30.

          Just looking at a delayed Medibank swap date. I think it needs to be 103 days from Bupa commencing minimum to get both promos, or 31 days if I simply give up the free weeks and be content with the EDR dollars only?

          Cheers.

          • @tunzafun001: Sorry, I'm not following.

            • @YesPleaseThankYou: Working out the minimum total time frame for all of this promo?

              Full offer - 102 days?

              Just the woolies points - 30 days?

              Reason - to head back to Medibank in time.

              • +1

                @tunzafun001:

                Working out the minimum total time frame for all of this promo?

                It's in my spreadsheet. 102 days to qualify for both elements and the following day (day 103) start new policy with new insurer.

                Reason - to head back to Medibank in time

                Move to next promo. I avoid Bupa and Medibank where possible as it has been my repeated experience that customer service with each is atrocious.

                • @YesPleaseThankYou: Me too. I would have signed up for the Finder/HBF offer if I hadn't already signed up to the Bupa offer. Setting a reminder for 102 days!

    • +1

      Great job mate. I downloaded your copy and using it for myself. This is awesome

    • Would you say "Recommended start day of new policy" would be the last date after which there is no benefit holding this for churning purpose?
      or would you say we wait till "Everyday Rewards awarded by this date" ?

      • I'm unsure what your question is.

      • +1

        If you hold up until and including 'Recommended last day of policy', you will have met the requirement for the final element of the promotion (the EDR points), so after this day you are free to go without affecting promotional eligibility.

        There is no need to wait until the EDR are awarded, as that isn't a requirement of the terms.

        If you don't leave as soon as you can, you are unnecessarily rewarding Bupa with your money and depriving yourself of the next promotion.

    • +1

      Just to reply to myself, you should do your own calculations and assessment. The spreadsheet is just a 'best effort' to illustrate factors you might like to consider.

    • Thank you for this value add, appreciate it.

      One thing I am trying to get used to as I have only recently started churning, is making sure for hospital cover that I am not inadvertently dropping coverage benefits when moving between seemingly equivalent policies with different providers (similar price point, names etc - eg. Bronze, Starter etc) where there might be slight differences. Is this something you worry about at all?

      • One thing I am trying to get used to as I have only recently started churning, is making sure for hospital cover that I am not inadvertently dropping coverage benefits when moving between seemingly equivalent policies with different providers (similar price point, names etc - eg. Bronze, Starter etc) where there might be slight differences. Is this something you worry about at all?

        No.

        Hospital product tiers are standardised, see https://www.privatehealth.gov.au/health_insurance/howitworks…

        Note the following about 'plus' categories (from the above link):

        If a policy meets the minimum requirements of a tier, but also includes additional coverage, then it can be called a ‘Plus’ policy – for example, Bronze Plus or Silver Plus.

        Extras categories are not standardised, which is where more attention might be required if regularly churning.

        • That is where I must be noticing the difference. For example I have moved from one provider to another and notice with similarly named policies one might cover Bone/Joint/Muscle (or whatever the category is) but the other doesn't.

          • +1

            @dinglejerry: I would download their pdf from what you have and where you wish to go. Upload that to CHATGPT and ask to compare. I found that to be helpful.

            • +1

              @welcomeUniverseWorld: Good suggestion, not sure why I didn't think of that actually - I've just been manually comparing doh

              • +1

                @dinglejerry: There is so much variability with the Extras policies, I find it easiest just to manually review the few items of interest to me (optical, dental, and a few other categories).

                I don't think AI is going to be useful for understanding what you need - plus, each insurer provides different levels of detail, hindering effective comparison.

                The above said, I'd be curious see some ChatGPT output from one of your comparisons.

                • @YesPleaseThankYou: I haven't done any yet, the poster above me suggested it. I think ChatGPT would be useful for comparing Hospital policies as it tends to be quite good at that type of document comparison task. Extras - that might be harder but as you say I'm really only interested in a few categories only.

                  • +1

                    @dinglejerry: Yes, sorry, I just meant those in this thread can provide their ChatGPT examples.

                    As for using it to compare hospital cover, as I said, hospital cover is standardised making it very simple to compare included clinical categories.

                    Also, this tool provides for easy comparison https://www.privatehealth.gov.au/dynamic/search/start

                    • +1

                      @YesPleaseThankYou: Just to reply to myself here: yesterday, I used ChatGPT to compare certain elements of home contents insurance. I largely knew the answers in advance, but I wanted to see what ChatGPT would say.

                      Knowing how large language models like ChatGPT work, I was unsurprised with the results. Despite clear instructions, on every occasion ChatGPT was incorrect.

                      Use chat GPT for legal and financial 'analysis' with great care.

                      • @YesPleaseThankYou: Yeah I actually would agree with this, I find for document analysis and comparison, it's better to try something like Notebook LLM from Google - does a much better job. GPT tries to polish its turds and present them as truth very convincingly too.

  • Probably a silly question but i can’t find the answer in the T&Cs of my current fund. If I want to start a policy with BUPA from 10/11, do I put down the cancellation date with my current fund as 9/11 or 10/11?

    • You can cancel on 9/11. However, you do not need to do that. Just go to Bupa and start on 10/11. Bupa will contact your previous fund and cancel policy on your behalf.

      • +1

        I did this previously and it was a mess as Medibank kept saying they hadn’t received any communication from my incoming fund. I’m trying a different approach and requesting cancellation myself as well as getting BUPA to contact my previous fund.

        • Always escalate via the complaints process the minute there's any issue.

          Both Medibank and Bupa have atrocious customer service.

    • +1

      Always verify the end and start dates that have been applied to your old and new policies, respectively. For your old policy, the transfer certificate will give you the relevant date. For your new policy, check the web portal or app.

      Although not common, I have found that some funds will stuff this up, leaving you without coverage for 1 or so days.

      • I’m filling out a cancellation form which will also get me the transfer certificate. My new policy hasn’t started so I don’t have portal access yet. I guess I should contact them to ask.

      • I'm having an issue at the moment where NIB's transfer certificate has not correctly reported that I have served waiting periods which I have actually served to BUPA. Spent 40 minutes on their customer service line yesterday and still haven't gotten an outcome yet.

        • NIB's transfer certificate has not correctly reported that I have served waiting periods which I have actually served

          Transfer certificates don't report waiting periods served. They report these things: https://privatehealthcareaustralia.org.au/wp-content/uploads…

          What's the matter with the transfer certificate issued by NIB?

          • @YesPleaseThankYou: I had a look again and you're right, it's a bit ambiguous - how does the new health fund determine if you've served the requisite waiting periods for any extras categories with the previous health fund so they can be honoured? Is it just from looking up the policy details of your previous fund online and seeing what was covered and how long you were with them?

            The problem I have is that my previous policy covered (as part of extras) both major dental and preventative dental - both of which I have served the waiting periods for. However nib's certificate simply lists "Includes Dental (no Orthodontia)" - and provides no information about Major Dental being included and that I have served the waiting period. The fact Major dental is covered by the old NIB policy is however included in the information available online from the NIB website.

            You do seem to know quite a bit about this stuff, I have tried to complain to nib to resolve who haven't gotten back to me yet… I could try BUPA but I'm not sure what good that will do.

            • +1

              @dinglejerry:

              how does the new health fund determine if you've served the requisite waiting periods for any extras categories with the previous health fund so they can be honoured?

              From the period of cover and policy name reported in the transfer certificate/s you provide.

              In addition to the transfer certificate, I always provide the new fund with the related Private Health Information Statement (PHIS), which you can obtain from here: https://www.privatehealth.gov.au/dynamic/search/start eg https://www.privatehealth.gov.au/dynamic/Premium/PHIS/SPS/C3…

              Note that unlike hospital categories, extras are not standardised. What is general dental at one fund might be major dental at another fund. (I can't find a source for this sorry — I just recall reading it somewhere.)

              It does seem that your issue is not with NIB but with Bupa. Submit a complaint to Bupa and keep records. Unfortunately, Bupa is a nightmare to deal with.

              • @YesPleaseThankYou: Thanks for this - it is a bit confusing as after looking at the sample cert you linked too, I see that the NIB transfer certificate says under the waiting periods category "Y" - which seems to indicate I had waiting periods to serve but that is not correct. However from what I see there is no information to indicate where the waiting periods apply, i.e. to which category of my cover, so I'm not sure how BUPA have deduced major dental is where I need to serve them. The transfer cert from NIB also only listed my last 6 months of benefits usage so for example areas where I had exhausted my benefits (chiro, physio, massage) now have allowances with them under BUPA. Not a bad result for me in that case.

                I also note I was only with NIB for around 6 months, so maybe that is the issue, as BUPA may be assuming I hadn't served the waiting periods for that category by doing 6 months only (however I had done so at a previous provider and then churned over to NIB)

                I can lodge a complaint, but I guess before I do I should get my xfer certificate from GMHBA (the fund I was with before BUPA), inquire with NIB why it says on the cert "Y" for waiting periods served, and confirm the major dental categories for the BUPA and NIB policies are exactly the same.

                • @dinglejerry:

                  I see that the NIB transfer certificate says under the waiting periods category "Y"

                  That means waiting periods apply to the product you held (not necessarily that they applied to you).

                  but I guess before I do I should get my xfer certificate from GMHBA (the fund I was with before BUPA)

                  Yes, this. You should always do this.

                  inquire with NIB why it says on the cert "Y" for waiting periods served

                  No need.

                  and confirm the major dental categories for the BUPA and NIB policies are exactly the same

                  I wouldn't bother, as I suspect the issue will be corrected when you supply the previous transfer certificate/s.

                  • @YesPleaseThankYou: Yes apologies there was a typo in my last post, I meant my transfer certificate from GMHBA, who I was with BEFORE Nib (from whom I've transferred to BUPA with). Which is consistent with your advice in your last post that you should keep transfer certificates for long enough to demonstrate continuity of cover so that you can highlight that you have served the relevant waiting periods.

                    To be honest I've only been in the churn game the last year or so and the transfer process has always been smooth until now, so I must admit I haven't had all the certificates on fle (Nib forwarded me the one they sent BUPA, but GMHBA never did). I'll get the cert from GMHBA, provide that with the NIB transfer cert that I already have, and the PHIS you have already mentioned (which proves coverage of the same category as exists in the new policy).

                    Thanks for the input.

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