YesPleaseThankYou » user profile

Member Since 14/01/2009
Last Seen 25/02/2024
Badges 3
Location NSW

Recent Activities

It's a pity that you did not join a union. All of the above should have been reported to the union and addressed.
18/02/2024 - 16:10
Personal leave, which is what this thread is about, can usually be used for a broad range of purposes, not just for when the employee is…
18/02/2024 - 15:25
Let me understand your question. Are you asking whether you should move from the fund during the free period (the same fund you moved to…
10/02/2024 - 13:25
> You keep harping on about this promo. Why don't you go and post it as a deal? It's just an example. For regular churners, the best promo…
10/02/2024 - 13:07
It's incredible that people find this promo attractive when you can get 6 weeks free immediately (without serving any qualifying period)…
05/02/2024 - 17:07
https://www.ombudsman.gov.au/__data/assets/pdf_file/0020/29423/The-right-to-change_DL_Brochure_2019_digital-A1776084.pdf
05/02/2024 - 17:02
https://www.ombudsman.gov.au/__data/assets/pdf_file/0020/29423/The-right-to-change_DL_Brochure_2019_digital-A1776084.pdf
05/02/2024 - 17:02
Moving to NIB is not recommended. There are better promos. As for waiting periods, see…
05/02/2024 - 17:02
No, not until the new insurer next resets limits. Tip: find an insurer that resets limits on membership year or financial year.
05/02/2024 - 16:59
I don't know where you learnt maths but November, December, January and February = 4 months. An NIB promo is a crap promo. There are many…
04/02/2024 - 19:46
https://www.ombudsman.gov.au/__data/assets/pdf_file/0020/29423/The-right-to-change_DL_Brochure_2019_digital-A1776084.pdf
04/02/2024 - 19:22
As I said above: > There are many other better offers out at the moment. It's easy to visit all the health fund site pages from here:…
04/02/2024 - 18:47
Which aspect is not straightforward? My biggest advice is, wherever possible, deal with them only in writing. This way it saves you stress,…
04/02/2024 - 18:27
Yep, excessive. All NIB promos adopt the same approach.
04/02/2024 - 18:21
The transfer certificate mentions excess 'Yes' or 'No'. The new fund can look up the PHIS of your previous policy or seek clarification…
04/02/2024 - 18:17
Yes, I set the start date to be the day after the 'To date' of the old policy. Usually, I get the new policy ready a couple of weeks prior…
04/02/2024 - 18:13
You are technically required to serve out the waiting period for the higher excess - though, in practice, some funds don't bother to…
04/02/2024 - 18:10
Some funds will issue the certificate prior to the old policy ending.
04/02/2024 - 18:08
Regular churner here. I never churn to NIB (or any reseller of NIB) as the terms of the promo are always too onerous, including requiring…
04/02/2024 - 18:08
> If we churn to Nib, would this excess waiver carry over too? No.
04/02/2024 - 18:05
> that seems a bit much, Completely within the rules. > I doubt the insurers don't talk to each other They do, via the transfer…
21/01/2024 - 21:28
That's the usual process. What people are talking about here is switching to a fund, eg, Peoplecare, which resets extras mid-year, then…
21/01/2024 - 21:20
There is no 'claiming double'. There is just one claim.
21/01/2024 - 18:18
The system is working as intended. Funds make a business decision as to when they reset limits for extras, with full knowledge of the…
21/01/2024 - 18:18
Why didn't you submit a manual meter read or lodge a complaint with the Ombudsman?
20/01/2024 - 15:02
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