YesPleaseThankYou » user profile

Because funds have shitty and differing systems. I made the requests to make the policy do what is in my interests, not the funds.

Plus, you should have a copy of the Private Health Insurance Statement (PHIS) for your policy. The PHIS details inclusions, exclusions, and…

Interesting thread. Previously, Westpac Group cards included the following in fees booklets: > For cash advances against credit funds,…

For those unfamiliar with health fund churning, this promotion is as good as it gets. The discount is 100%, as there no qualifying period…

Territory Health Fund (THF) appears to have silently changed the terms of this offer on 3 October 2024 to add Clause 2.f (above) and quoted…

Clause 2.f is a new addition—it was not there previously.

lol

Well, it sounds like you've moved back to your previous fund already, so this discussion is moot.

I haven't experienced this at all. If you have to claim, then claim. Just remind them that they still need to apply the Transfer…

I paid one month, asked them to apply the 6 weeks, then set the direct debit date to after the expiry of the 6 weeks free. Once the 7 weeks…

It's interesting that there appears to have been a batch of customers (like me) that received the additional 7 weeks via an automated…

For anyone who hasn't received the 7 weeks, I'd say there's a reason for that, and that you're going to have to contact GMHBA. GMHBA…

Consistent with the promise made by GMHBA, I received the 7 weeks free yesterday. You can check this by checking the 'paid to' date in your…

I know from a few people know that Bupa isn't even bothering to contact complainants. As soon as the Ombudsman complaint is reached by…

Nothing is truly 100% - what are the rules around it? Many funds seem to cover two annual dental check-ups, if that's what you're referring…

https://www.finder.com.au/health-insurance/extras-cover/health-insurance-annual-benefit-limits

On what grounds?

> I consulted one more lawyer yesterday about my personal situation and he advised me a better solution. So I have abandoned the plan of…

The only thing I would add to the above, is that many seem churn to NIB for Qantas Frequent Flyer (QFF) points—great if you perceive that…

In years of churning and careful analysis, my view is that NIB offers are never worth it, as they require holding the policy for too long…

It (strangely) doesn't display the discount until you subtotal it all for checkout and payment. When there are discounted gift cards at…

I churn 4 to 5 times per year, achieving a discount of around 60%. Plus, as some funds reset extras on 1 July, it is possible to double dip…

Alright, you have convinced me - that'll pay for my lunch. The cards can be used for rates or levies due soon. My local Big W better have…

The purpose of the Transfer Certificate provided by your 'old' fund is so that your 'new' fund applies all the waiting periods you have…

You still could have switched when you first saw the offer as, provided you selected an equivalent level of cover, your waiting periods…

IMHO, after the fee, the discount is too low bother with this gift card.

Not cool of GMHBA to silently change the published terms. Instead, it should have clearly specified the terms and conditions that applied…

I'm not across all of the details, and correct me if I'm wrong, but in your view did Macquarie Bank close your account to hide internal…

Sounds like you're not churning enough (at all?)

> But before I sign up today, do you think there will be any issues with 2 "free week offers" over lapping? I think you're going to have to…