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 & Extras policy by 11:59pm (AEST) 31 August 2025. Not available to existing Real Health Insurance policyholders, 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 4 weeks (calculated as 28 days) of the annual premium. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 24 September 2025 (Fulfilment Date) for policies purchased between 01 July 2025 and 31 July 2025, and 29 October 2025 (Fulfilment Date) for policies purchased between 01 August 2025 and 31 August 2025. The Offer will be forfeited if the Eligible Member is not an active policyholder on this date.

In addition, 2 and 6-month waiting periods will be waived for Eligible Members on all Extras services that normally require a 2 or 6-month waiting period under the Eligible Product. The Waiver will be fulfilled at the time the Eligible Member takes out the Eligible Product. Longer waiting periods may apply for some services. See full terms and conditions.