Real Insurance - Promotions
Terms & Conditions

Real Health Insurance – Up to $600 off (1 Feb - 31 Mar 2024)

  1. These Terms and Conditions apply to the Real Health Insurance “Up to $600 off” (“Offer”). This Offer and these Terms and Conditions are issued by nib health fund limited ABN 83 000 124 381 (“nib”). By participating, claimants agree to be bound by these conditions. Claims must comply with these conditions to be valid.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884, (GFS) (“PC”) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter”).
  3. The Offer commences at 12:00 am (AEST) on 01 February 2024 and closes at 11.59pm (AEST) on 31 March 2024 (“Offer Period”). Policies joined after 11.59pm (AEST) on 31 March 2024 will not be eligible for the Offer.
  4. This Offer is open only to 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, who are 18 years or over as at the date of joining (being the date of completion of join) (“Eligible Members”).
  5. The Offer is only available to Eligible members who join a Real Health Insurance combined Hospital and Extras health insurance product through Real Health Insurance’s approved channels during the Offer Period (“Eligible Product”). The Offer does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Offer excludes any non-health related insurance products underwritten or distributed by the nib Group (e.g. Travel).
  6. The value of the Offer that an Eligible Member is eligible to receive is determined by:
    1. the chosen Hospital cover under the Eligible Product; and
    2. whether the Eligible Product is a;
    1. Singles cover; or
    2. Couples, Families or Single Parents cover.
  7. The maximum amount that an Eligible Member can receive off their Eligible Product is set out in the tables below.
  8. Single covers
    Hospital cover
    (purchased with any Extras cover)
    Max discount
    Basic Hospital $100
    Bronze Hospital $150
    Silver Hospital $200
    Gold Hospital $300

    Couple, Family and
    Single Parent covers
    Hospital cover
    (purchased with any Extras cover)
    Max discount
    Basic Hospital $200
    Bronze Hospital $300
    Silver Hospital $400
    Gold Hospital $600

  9. For clarity, Eligible members who join an Eligible Product (during the Offer Period), which has a policy start date outside of the Offer Period, can qualify for the Offer subject to their compliance with:
    1. these Terms and Conditions (including, but not limited to, the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates.
  10. 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 to a maximum of AUD $600 (inclusive of GST).
  11. Eligible Members must meet all of the following requirements (“Eligibility Requirements”):
    1. The Eligible Member must successfully join an Eligible Product during the Offer Period through one of Real Health Insurance’s approved channels (Real Insurance website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 30 April 2024 for policies purchased between 01 February 2024 and 29 February 2024 and 29 May 2024 for policies purchased between 01 March 2024 and 31 March 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.
    3. The Eligible Member must not be a current policyholder of a product issued by nib (including Suncorp Health Insurance, Qantas Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING Health Insurance, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance or nib Corporate Health Insurance) at the time of joining the Eligible Product, or have joined and cancelled any of these policies 6 months before or during the Offer Period; and
    4. The Eligible Member must not be an employee of the Promoter or nib.
  12. Limit of one Offer per policy for each Eligible Product joined during the Offer Period.
  13. The Offer cannot be combined with any other offer or promotion, unless stated otherwise.
  14. If an Eligible Member has satisfied the Eligibility Requirements, the Promoter will contact the Eligible Member following fulfilment to confirm they have qualified for the Offer and that the adjustment of their “paid to” date on their policy has been adjusted to credit their policy in accordance with clause 8 of these Terms and Conditions.
  15. Each Eligible Member acknowledges that the Offer cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.
  16. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), nib and the Promoter exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way in connection with this Offer, including but not limited to:
    1. any technical difficulties or equipment malfunction (whether or not under nib’s or the Promoter’s control);
    2. any theft, unauthorised access or third party interference;
    3. any tax liability incurred by a customer (independent financial advice should be sought); or
    4. accepting and/or using the Offer.
  17. Nothing in these Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
  18. nib and the Promoter may, at its sole discretion and at any time, amend, withdraw, cancel, suspend all or any part of this Offer, including replacing any part of this Offer with another offer of equal or greater value at the Promoter’s sole discretion. Eligible Members will not be entitled to any compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value.
  19. nib and the Promoter are not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.
  20. nib reserves the right to disqualify from receipt of the Offer any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.
  21. nib and the Promoter (subject to State and Territory legislation) reserve the right to amend, withdraw, cancel or suspend this Offer if an event beyond the control of the Promoter corrupts or affects the administration security, fairness, integrity or proper conduct of this Offer.
  22. Personal information will be collected by nib and the Promoter for the purpose of conducting and promoting this Offer, and to assist nib and the Promoter to improve their services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy at realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.

Real Health Insurance – 2 & 6 month Extras waiver (1 Dec - 31 Jan 2024)

  1. These Terms and Conditions apply to the Real Health Insurance “2 & 6 month Extras Waiting Period Waiver” (“Waiver”). This Offer and these Terms and Conditions are issued by nib health funds limited ABN 83 000 124 381 (“nib”).  By participating, Eligible Members (as defined in clause 4 of these Terms and Conditions) agree to be bound by these conditions. Claims must comply with these conditions to be valid.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884, (GFS) (“PC”) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter”).
  3. The Waiver commences at 12:00 am (AEST) on 01 December 2023 and ends at 11:59pm (AEST) on 31 January 2024 (“Waiver Period”).
  4. The Waiver is open only to 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, who are 18 years or over as at the date of joining (being the date of completion of join) (“Eligible Members”).
  5. The Waiver is only available to Eligible Members who join a Real Health Insurance, combined Hospital and Extras product through Real Health Insurance’s approved channels during the Waiver Period (“Eligible Product”). The Waiver does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Waiver excludes any non-health related insurance products underwritten or distributed by the nib Group (e.g. Travel).
  6. For clarity, Eligible members who join an Eligible Product (during the Waiver Period), which has a policy start date outside of the Waiver Period, can qualify for the Waiver subject to their compliance with:
    1. these Terms and Conditions (including but not limited to the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates
  7. The Waiver consists of waiving the 2 and 6 month waiting period for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the relevant Eligible Product. All other waiting periods will apply. Longer waiting periods may apply for some services.
  8. Eligible Members must meet all of the following requirements (“Eligibility Requirements”):
    1. the Eligible Member must successfully join an Eligible Product during the Waiver Period through one of Real Health Insurance’s approved channels (Real website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. the Eligible Member must not be a current policyholder of a product issued by nib (including Real Health Insurance, Seniors Health Insurance, Qantas Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, Priceline Health Insurance, ING, nib International Workers Insurance or nib Overseas Students Insurance) at the time of joining the Eligible Product, or have joined and cancelled any of these policies 6 months before or during the Waiver Period; and
    3. the Eligible Member must not be an employee of nib or the Promoter.
  9. The Waiver cannot be combined with any other offer or promotion unless stated otherwise.
  10. nib will apply the Waiver at the policy start date of the Eligible Product.
  11. Each Eligible Member acknowledges that the Waiver cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.
  12. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), nib and the Promoter exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way in connection with this Waiver, including but not limited to:
    1. any technical difficulties or equipment malfunction (whether or not under nib’s or the Promoter’s control);
    2. any theft, unauthorised access or third-party interference;
    3. any tax liability incurred by a customer (independent financial advice should be sought); or
    4. accepting and/or using the Waiver.
  13. Nothing in these conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
  14. nib or the Promoter may, at its sole discretion and at any time, amend, withdraw, cancel, suspend all or any part of this Waiver.  Eligible Members will not be entitled to any additional compensation in the event that the Waiver or element of the Waiver has been amended, withdrawn, cancelled, or suspended.
  15. Proof of identity, residency and eligibility is at the discretion of nib. In the event that a policyholder cannot provide suitable proof, they may forfeit the Waiver in whole and no substitute will be offered.
  16. nib reserves the right to disqualify any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Waiver.
  17. The Promoter and nib (subject to State and Territory legislation) reserve the right to amend, withdraw, cancel or suspend this Waiver if an event beyond the control of the Promoter corrupts or affect the administration security, fairness, integrity or proper conduct of this Waiver.
  18. Personal information will be collected by nib and the Promoter for the purpose of conducting and promoting this Waiver, and to assist nib and the Promoter to improve their services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy at realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.

Real Health Insurance – 6 weeks free (1 Dec - 31 Jan 2024)

  1. These Terms and Conditions apply to the Real Health Insurance “6 weeks free” (“Offer”). This Offer and these Terms and Conditions are issued by nib health fund limited ABN 83 000 124 381 (“nib”).  By participating, claimants agree to be bound by these conditions. Claims must comply with these conditions to be valid.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884, (GFS) (“PC”) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter”).
  3. The Offer commences at 12:00 am (AEST) on 01 December 2023 and closes at 11.59pm (AEST) on 31 January 2024 (“Offer Period”). Policies joined after 11.59pm (AEST) on 31 January 2024 will not be eligible for the Offer.
  4. This Offer is open only to 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, who are 18 years or over as at the date of joining (being the date of completion of join) (“Eligible Members”).
  5. The Offer is only available to Eligible members who join a Real Health Insurance combined Hospital and Extras health insurance product through Real Health Insurance’s approved channels during the Offer Period (“Eligible Product”). The Offer does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Offer excludes any non-health related insurance products underwritten or distributed by the nib Group (e.g. Travel).
  6. For clarity, Eligible members who join an Eligible Product (during the Offer Period), which has a policy start date outside of the Offer Period, can qualify for the Offer subject to their compliance with:
    1. these Terms and Conditions (including, but not limited to, the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates.
  7. 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 to 6 weeks of the annual premium (calculated as 42 days).
  8. Eligible Members must meet all of the following requirements (“Eligibility Requirements”):
    1. The Eligible Member must successfully join an Eligible Product during the Offer Period through one of Real Health Insurance’s approved channels (Real website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 28 February 2024 for policies purchased between 01 December 2023 and 31 December 2023 and 27 March 2024 for policies purchased between 01 January 2024 and 31 January 2024. The Offer will be forfeited if the Eligible Member is not an active policyholder on these dates.
    3. The Eligible Member must not be a current policyholder of a product issued by nib (including Suncorp Health Insurance, Qantas Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING, Priceline Health Insurance, Real Insurance, Seniors Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance or nib Corporate Health Insurance) at the time of joining the Eligible Product, or have joined and cancelled any of these policies 6 months before or during the Offer Period; and
    4. The Eligible Member must not be an employee of the Promoter or nib.
  9. Limit of one Offer per policy for each Eligible Product joined during the Offer Period.
  10. The Offer cannot be combined with any other offer or promotion except for Real Health Insurance’s “2 and 6 Month Waiver” offer.
  11. If an Eligible Member has satisfied the Eligibility Requirements, the Promoter will contact the Eligible Member following fulfilment to confirm they have qualified for the Offer and that the adjustment of their “paid to” date on their policy has been adjusted to credit their policy in accordance with clause 7 of these Terms and Conditions.
  12. Each Eligible Member acknowledges that the Offer cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.
  13. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), nib and the Promoter exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way in connection with this Offer, including but not limited to:
    1. any technical difficulties or equipment malfunction (whether or not under nib’s or the Promoter’s control);
    2. any theft, unauthorised access or third party interference;
    3. any tax liability incurred by a customer (independent financial advice should be sought); or
    4. accepting and/or using the Offer.
  14. Nothing in these Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
  15. nib and the Promoter may, at its sole discretion and at any time, amend, withdraw, cancel, suspend all or any part of this Offer, including replacing any part of this Offer with another offer of equal or greater value at the Promoter’s sole discretion. Eligible Members will not be entitled to any compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value.
  16. nib and the Promoter are not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.
  17. nib reserves the right to disqualify from receipt of the Offer any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.
  18. nib and the Promoter (subject to State and Territory legislation) reserve the right to amend, withdraw, cancel or suspend this Offer if an event beyond the control of the Promoter corrupts or affects the administration security, fairness, integrity or proper conduct of this Offer.
  19. Personal information will be collected by nib and the Promoter for the purpose of conducting and promoting this Offer, and to assist nib and the Promoter to improve their services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy at at realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.

Real Health Insurance – 2 & 6 month Extras waiver (1 Aug - 31 Oct 2023)

  1. These Terms and Conditions apply to the Real Health Insurance “2 & 6 month Extras Waiting Period Waiver” (“Waiver”). This Offer and these Terms and Conditions are issued by nib health funds limited ABN 83 000 124 381 (“nib”).  By participating, Eligible Members (as defined in clause 4 of these Terms and Conditions) agree to be bound by these conditions. Claims must comply with these conditions to be valid.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884, (GFS) (“PC”) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter”).
  3. The Waiver commences at 12:00am (AEST) on 1 August 2023 and ends at 11:59pm AEST on 31 October 2023 (“Waiver Period”).
  4. The Waiver is open only to permanent residents of Australia who are 18 years or over as at the date of joining (being the date of completion of join) (“Eligible Members”).
  5. The Waiver is only available to Eligible Members who join a Real Health Insurance, combined Hospital and Extras product through Real Health Insurance’s approved channels during the Waiver Period (“Eligible Product”). The Waiver does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Waiver excludes any non-health related insurance products underwritten or distributed by the nib Group (e.g. Travel).
  6. For clarity, Eligible members who join an Eligible Product (during the Waiver Period), which has a policy start date outside of the Waiver Period, can qualify for the Waiver subject to their compliance with:
    1. these Terms and Conditions (including but not limited to the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates
  7. The Waiver consists of waiving the 2 and 6 month waiting period for Eligible Members on all Extras services that normally require a 2 or 6 month waiting period under the relevant Eligible Product. All other waiting periods will apply.
  8. Eligible Members must meet all of the following requirements (“Eligibility Requirements”):
    1. the Eligible Member must successfully join an Eligible Product during the Waiver Period through one of Real Health Insurance’s approved channels (Real website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. the Eligible Member must not be a current policyholder of a product issued by nib (including Real Health Insurance, Seniors Health Insurance, Qantas Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, Suncorp Health Insurance, Priceline Health Insurance, ING, nib International Workers Insurance or nib Overseas Students Insurance) at the time of joining the Eligible Product, or have joined and cancelled any of these policies 6 months before or during the Waiver Period; and
    3. the Eligible Member must not be an employee of nib or the Promoter.
  9. The Waiver cannot be combined with any other offer or promotion unless stated otherwise.
  10. nib will apply the Waiver at the policy start date of the Eligible Product.
  11. Each Eligible Member acknowledges that the Waiver cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.
  12. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), nib and the Promoter exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way in connection with this Waiver, including but not limited to:
    1. any technical difficulties or equipment malfunction (whether or not under nib’s or the Promoter’s control);
    2. any theft, unauthorised access or third-party interference;
    3. any tax liability incurred by a customer (independent financial advice should be sought); or
    4. accepting and/or using the Waiver.
  13. Nothing in these conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
  14. nib or the Promoter may, at its sole discretion and at any time, amend, withdraw, cancel, suspend all or any part of this Waiver.  Eligible Members will not be entitled to any additional compensation in the event that the Waiver or element of the Waiver has been amended, withdrawn, cancelled, or suspended.
  15. Proof of identity, residency and eligibility is at the discretion of nib. In the event that a policyholder cannot provide suitable proof, they may forfeit the Waiver in whole and no substitute will be offered.
  16. nib reserves the right to disqualify any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Waiver.
  17. The Promoter and nib (subject to State and Territory legislation) reserve the right to amend, withdraw, cancel or suspend this Waiver if an event beyond the control of the Promoter corrupts or affect the administration security, fairness, integrity or proper conduct of this Waiver.
  18. Personal information will be collected by nib and the Promoter for the purpose of conducting and promoting this Waiver, and to assist nib and the Promoter to improve their services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy at realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.

Real Health Insurance – 6 weeks free (1 Aug - 30 Sept 2023)

  1. These Terms and Conditions apply to the Real Health Insurance “6 weeks free” (“Offer”). This Offer and these Terms and Conditions are issued by nib health fund limited ABN 83 000 124 381 (“nib”).  By participating, claimants agree to be bound by these conditions. Claims must comply with these conditions to be valid.
  2. The Promoter is Greenstone Financial Services Pty Ltd ABN 53 128 692 884, (GFS) (“PC”) of Level 5/50 Norwest Boulevard, Norwest NSW 2153 (“Promoter”).
  3. The Offer commences at 12:00am (AEST) on 1 August 2023 and closes at 11.59pm (AEST) on 30 September 2023 (“Offer Period”). Policies joined after 11.59pm (AEST) on 30 September 2023 will not be eligible for the Offer.
  4. This Offer is open only to 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, who are 18 years or over as at the date of joining (being the date of completion of join) (“Eligible Members”).
  5. The Offer is only available to Eligible members who join a Real Health Insurance combined Hospital and Extras health insurance product through Real Health Insurance’s approved channels during the Offer Period (“Eligible Product”). The Offer does not apply to the purchase of any other private health insurance product issued by nib, or any member moving from one of these products to an Eligible Product. The Offer excludes any non-health related insurance products underwritten or distributed by the nib Group (e.g. Travel).
  6. For clarity, Eligible members who join an Eligible Product (during the Offer Period), which has a policy start date outside of the Offer Period, can qualify for the Offer subject to their compliance with:
    1. these Terms and Conditions (including, but not limited to, the Eligibility Requirements); and
    2. any other terms and conditions imposed by nib in relation to the selection of policy start dates.
  7. 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 to 6 weeks of the annual premium.
  8. Eligible Members must meet all of the following requirements (“Eligibility Requirements”):
    1. The Eligible Member must successfully join an Eligible Product during the Offer Period through one of Real Health Insurance’s approved channels (Real website realinsurance.com.au/health-insurance or the Real Health Insurance call centre);
    2. The Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 25 October 2023 for policies purchased between 1 August 2023 and 31 August 2023 and 29 November 2023 for policies purchased between 1 September and 30 September 2023 and the Offer will be forfeited if the Eligible Member is not an active policyholder on this date.
    3. The Eligible Member must not be a current policyholder of a product issued by nib (including Suncorp Health Insurance, Qantas Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING, Priceline Health Insurance, Real Insurance, Seniors Health Insurance, nib International Workers Health Insurance, nib Overseas Students Health Insurance or nib Corporate Health Insurance) at the time of joining the Eligible Product, or have joined and cancelled any of these policies 6 months before or during the Offer Period; and
    4. The Eligible Member must not be an employee of the Promoter or nib.
  9. Limit of one Offer per policy for each Eligible Product joined during the Offer Period.
  10. The Offer cannot be combined with any other offer or promotion except for Real Health Insurance’s “2 and 6 Month Waiver” offer.
  11. If an Eligible Member has satisfied the Eligibility Requirements, the Promoter will contact the Eligible Member following fulfilment to confirm they have qualified for the Offer and that the adjustment of their “paid to” date on their policy has been adjusted to credit their policy in accordance with clause 7 of these Terms and Conditions.
  12. Each Eligible Member acknowledges that the Offer cannot be redeemed for cash, returned for a refund, or be replaced after expiry and is not legal tender, an account card, a credit or security.
  13. Except for any liability that cannot be excluded by law (in which case that liability is limited to the minimum allowable by law), nib and the Promoter exclude all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way in connection with this Offer, including but not limited to:
    1. any technical difficulties or equipment malfunction (whether or not under nib’s or the Promoter’s control);
    2. any theft, unauthorised access or third party interference;
    3. any tax liability incurred by a customer (independent financial advice should be sought); or
    4. accepting and/or using the Offer.
  14. Nothing in these Terms and Conditions restricts, excludes, modifies or purports to restrict, exclude or modify any statutory consumer rights under any applicable law including the Competition and Consumer Act 2010 (Cth).
  15. nib and the Promoter may, at its sole discretion and at any time, amend, withdraw, cancel, suspend all or any part of this Offer, including replacing any part of this Offer with another offer of equal or greater value at the Promoter’s sole discretion. Eligible Members will not be entitled to any compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value.
  16. nib and the Promoter are not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.
  17. nib reserves the right to disqualify from receipt of the Offer any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Offer.
  18. nib and the Promoter (subject to State and Territory legislation) reserve the right to amend, withdraw, cancel or suspend this Offer if an event beyond the control of the Promoter corrupts or affects the administration security, fairness, integrity or proper conduct of this Offer.
  19. Personal information will be collected by nib and the Promoter for the purpose of conducting and promoting this Offer, and to assist nib and the Promoter to improve their services. By claiming this Offer, each Eligible Member consents to storage and use of their personal information by the Promoter in accordance with its Privacy Policy at at realinsurance.com.au/privacy-collection/real-insurance and nib’s Privacy Policy at nib.com.au/legal/privacy-policy. If the personal information is not provided, the member may not participate in this Offer.