1. A discount of 10% is applied to your premium when you combine Home and Contents on one Home Insurance Policy. The discount will apply to the first 12 months of your Real Home Insurance policy. The discount will be reapplied for 12 months each time your Real Home Insurance policy is renewed so long as you continue to combine Home and Contents on one Home Insurance policy and we continue to offer the discount. Discount does not apply to taxes or government charges.

2. Savings between $0 to $367 derived from premium comparisons between Comprehensive Car Insurance and Pay As You Drive Car Insurance. Calculations based on profiles of existing customers who advised they drive under 15,000 km annually. Current as of 6 March 2024. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Minimum premiums may reduce savings. Kilometres can be increased during the policy period, an additional premium is payable. In event of accident and end odometer reading exceeded, additional excess applied.

3. This Offer is only available to new members who are Australian citizens, permanent residents of Australia, or those who are entitled to full reciprocal rights under Medicare, registered for Medicare and listed on an active Medicare card, and join an eligible combined Real Health Insurance Hospital and Extras policy by 11:59pm (AEST) 30 June 2025. Not available to existing Real Health Insurance policy holders, or any other existing private health insurance policyholders of a partner brand issued by nib, or to previous policyholders who have held health insurance with any of these brands and cancelled their policy 6 months before or during the Offer Period.  .  

The Offer consists of adjusting the “paid to” date on the qualifying policy to reflect the reduction off the premium payable for an amount equating a maximum of AUD $400 (inclusive of GST) for single policies or a maximum of AUD $700 (inclusive of GST) for couples, families and single parent family policies. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 30 July 2025 for policies purchased between 01 May 2025 and 31 May 2025 and, 27 August 2025 for policies purchased between 01 June 2025 and 30 June 2025.The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.  See full terms and conditions.