NIB

1. These Terms and Conditions apply to the nib 2 and 6 Month Waiver Offer (“Offer”), and information on the Offer forms part of these Terms and Conditions. Acceptance of the Offer is deemed to be acceptance of these Terms & Conditions.
2. The Promoter is nib health funds limited ABN 83 000 124 381 of 22 Honeysuckle Drive, Newcastle NSW 2300. (“Promoter” or “nib”). The Promoter’s nominated broker for private health insurance is Health Insurance Comparison Choosewell Pty Ltd (“Broker”).
3. The Offer commences at 12:00 am (AEST) on 01 February 2020 and closes at 11.59pm (AEST) on 31 March 2020 (“Offer Period”). Policies purchased after 11.59pm (AEST) on 31 March 2020 will not be eligible for the Offer.
4. This Offer is open to permanent residents of Australia as at the date of joining (being the date of completion of join) who would have been required to serve a 2 or 6 month waiting period on the selected Extras cover (“Eligible Customer”).
5. The Offer is only available in conjunction with the purchase of a nib combined Hospital and Extras Australian resident’s health insurance (ARHI) product through the Broker’s approved channels during the Offer Period (“Eligible Product”), and does not apply to a purchase of a nib overseas students health insurance, international workers health insurance, corporate private health insurance, Qantas Insurance, Suncorp, AAMI, Apia or TAL policies or those moving from one of these products to an nib ARHI product. It excludes any non-health related insurance products (e.g. Travel) and dependants moving from family/parents health cover to their own policy.
6. Eligible Entrants must meet all following entry requirements (“Entry Requirements”):
   • (a) the Eligible Entrant must successfully purchase an Eligible Product during the Offer Period through the Broker;
   • (b) the Eligible Product must have a Policy Start Date between 1 February 2020 and 31 March 2020;
   • (c) the Policyholder must remain on an Eligible Product for 60 days and be paid up to date to receive the full 6 month waiver benefit.
   • (d) the Eligible Customer must not be a current policyholder of a product issued by nib (including Qantas Insurance, Suncorp, AAMI, Apia, TAL, International Workers or Overseas Students products) at the time of joining the Eligible Product, or have joined and cancelled an Eligible Product 6 months before or during the Offer Period; and;
   • (f) the Eligible Entrant must not be an employee of the Promoter.
7. The Offer consists of waiving the 2 and 6 month waiting period for Eligible Customers on all Extras services that normally require a 2 or 6 month waiting period under the relevant Eligible Product. The Promoter will apply the waiver at the time the Eligible Customer takes out the Eligible Product. Applies to Extras services only and excludes waiting periods on Hospital cover.
8. Where the policy is a couples or family policy with joint policyholders, the waiver portion of the Offer will be applicable to each person covered on the policy.
9. This Offer is not transferable, exchangeable or able to be combined with any other Offer or discount from nib.
10. The goods and/or services provided by the Promoter through this promotion come with consumer guarantees under the Australian Consumer Law (“ACL”) that cannot be limited or excluded by these Terms and Conditions. Except for this liability under the ACL and any other liability that cannot be excluded by law, the Promoter (including its officers, employees and agents) 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 out of the promotion.
11. The Promoter reserves the right to withdraw or substitute all or part of this Offer with another offer of equal or greater value.
12. 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 Offer in whole and no substitute will be offered.
13. 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 promotion.
14. The Promoter (subject to the ACL and State and Territory legislation) reserves the right to amend, cancel or suspend this promotion if an event beyond the control of the Promoter corrupts or affect the administration security, fairness, integrity or proper conduct of this promotion.
15. Personal information is being collected by the Promoter in order to facilitate the conduct of this promotion. For this purpose, personal information may be disclosed to selected third parties, including but not limited to agents, related entities, contractors, service providers, prize suppliers and, as required, to Australian regulatory authorities. Participation is conditional on providing this personal information. The Promoter will use and handle personal information collected as set out in its Privacy Policy, which can be viewed at https://www.nib.com.au/docs/privacy-policy Each Privacy Policy also contains information about how individuals may opt out, access, update or correct their information, how individuals may complain about the treatment of their information, and how those complaints will be dealt with.