Offer Terms and Conditions

1. These Terms and Conditions apply to the nib “Up to $300 off your policy” (Offer). By participating, claimants agree to be bound by these conditions. Claims must comply with these conditions to be valid.

2. The Promoter is Compare Club Australia Pty Ltd ACN 634 600 007 of Level 7, 222 Pitt Street, Sydney NSW 2000 (“Promoter”).

3. The Offer commences at 12:00 am (AEST) on 1 MARCH 2022 and closes at 11.59 pm (AEST) on 31 March 2022 (Offer Period).  Policies joined after 11.59 pm (AEST) on 31 March 2022 will not be eligible for the Offer.

4. This Offer 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 Offer is only available to Eligible Members who join an nib combined Hospital and Extras Australian resident’s health insurance product (nib ARHI product) through nib’s approved online channels during the Offer Period (Eligible Product), and does not apply to a purchase of nib Overseas Students Health Insurance, nib International Workers Health Insurance, nib Corporate Private Health Insurance, Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance or Apia Health Insurance, ING, or those moving from one of these products to an nib ARHI product. The Offer excludes any non-health related insurance products (e.g. Travel) and dependants moving from family/parents health cover to their own policy.

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: 

   a. these Terms and Conditions (including, but not limited to, the Eligibility Requirements); and

   b. 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 AUD $150.00 (inclusive of GST) for single policies or AUD $300.00 (inclusive of GST for couples, families and single parent families policies

8. Eligible Members must meet all of the following requirements (Eligibility Requirements):

   a. The Eligible member must successfully join an Eligible Product during the Offer Period through the Promotor’s website or call centre.

   b. the Eligible Member must maintain the Eligible Product up to the date of the Offer being applied to the active policy, being 15 June 2022 (Fulfilment Date) and the Offer will be forfeited if the Eligible Member is not an active policyholder on the Fulfilment Date.

   c. the Eligible Member must not be a current policyholder of a product issued by nib (including Qantas Health Insurance, Suncorp Health Insurance, GU Health Insurance, AAMI Health Insurance, Apia Health Insurance, ING, 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;

   d. the Eligible Member must have a valid email address applied to their policy; and

   e. the Eligible Member must not be an employee of the Promoter.

9. Limit of one Offer per policy for each Eligible Product commenced during the Offer Period.

10. The Offer cannot be combined with any other offer or promotion except for nib’s “2 and 6 Month Waiver” offer.

11. If an Eligible Member has satisfied the Eligibility Requirements, the Promoter will email the Eligible Member 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 6 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), the Promoter excludes 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:

    a. any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);

    b. any theft, unauthorised access or third party interference;

    c. any tax liability incurred by a customer (independent financial advice should be sought); or

    d. 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. 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 additional compensation in the event that the Offer or element of the Offer has been substituted at equal or greater value.

16. The Promoter is not responsible for any undelivered emails due to an Eligible Member’s spam filters or email settings.

17. The Promoter 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. The Promoter (subject to State and Territory legislation) reserves the right to amend, withdraw, cancel or suspend this Offer if an event beyond the control of the Promoter corrupts or affect the administration security, fairness, integrity or proper conduct of this Offer.

19. Personal information will be collected by the Promoter for the purpose of conducting and promoting this Offer, and to assist the Promoter to improve its 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 https://www.nib.com.au/legal/ privacy-policy). If the personal information is not provided, the member may not participate in this Offer.