nib “Up to $300 off MAY
2023”

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 Health Deal Pty Ltd
ABN 94 150 801 871 of Level 4, 973
Nepean Highway, Bentleigh VIC 3204
(“Promoter”).

3. The Offer commences at 12:00 am
(AEST) on 1 MAY 2023 and closes at
11.59 pm (AEST) on 31 MAY 2023
(Offer Period). Policies joined after
11.59 pm (AEST) on 31 MAY 2023 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 policy holders
moving from one of these products to an
ARHI product. The Offer excludes any
non-health related insurance products
(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:
(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;
i. 12 JULY 2023 for
policies purchased 01
MAY 2023 and 31 MAY
2023,
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://healthdeal.com.au/privacypolicy). If the personal information is not
provided, the member may not
participate in this Offer.

nib “2 and 6 Month
Waiver”
Terms and Conditions

1. These Terms and Conditions apply to
the nib “2 and 6 Month Waiver”
(Waiver). By participating, claimants
agree to be bound by these conditions.
Claims must comply with these
conditions to be valid.

2. The Promoter is nib health funds limited
ABN 83 000 124 381 of 22 Honeysuckle
Drive, Newcastle NSW 2300 (Promoter
or nib).

3. The Waiver commences at 12:00 am
(AEST) on 1 MAY 2023 and shall
remain available until the Promoter
amends, withdraws, cancels, or
suspends the Waiver in accordance
with clause 16 of these Terms and
Conditions (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 an nib combined
Hospital and Extras Australian
resident’s health insurance product
(“nib ARHI product”) through nib’s
approved online channels during the
Waiver 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 policy
holders moving from one of these
products to an ARHI product. The
Waiver excludes any non-health related
insurance products (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:
(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 Waiver consists of waiving the 2-
months and 6-months waiting periods
for Eligible Members on all Extras
services that normally require a 2-month
or 6-month waiting period under the
relevant Eligible Product.

8. Eligible Members must meet all of the
following requirements (Eligibility
Requirements):
(a) the Eligible Member must
successfully join an Eligible
Product during the Waiver Period
through one of nib’s approved
online channels (using the nib
website www.nib.com.au, nib
mobile site or tablet);
(b) 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 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;
(c) the Eligible Member must have a
valid email address applied to their
policy; and
(d) the Eligible Member must not be an
employee of the Promoter.

9. The Waiver cannot be combined with
any other offer or promotion unless
otherwise stated.

10. The Promoter 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), 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 Waiver,
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 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. 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 the Promoter. In
the event that a policyholder cannot
provide suitable proof, they may forfeit
the Waiver in whole and no substitute
will be offered.

16. The Promoter 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 (subject to State and
Territory legislation) reserves 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
the Promoter for the purpose of
conducting and promoting this Waiver,
and to assist the Promoter to improve its
services. By receiving this Waiver, an
Eligible Member consents to storage
and use of their personal information by
the Promoter in accordance with its
Privacy Policy (at
https://healthdeal.com.au/privacypolicy). If the personal information is not
provided, the member may not
participate in this Waiver.