Member Benefits: Insurance

Terms and conditions

Disclaimer

The products and services promoted on CPA Australia's member benefits landing pages (“Landing Pages”) are issued and provided directly by CPA Australia's member benefits partners, sponsors or affiliates (“Partners”) and not by CPA Australia Limited (“CPA Australia”). The Landing Pages may include web links to third party information, including product(s), service(s) and other information provided by the Partners (“Third Party Information”) including additional applicable third-party terms and conditions. CPA Australia makes no warranty as to the accuracy or completeness of any information contained on its Landing Pages or other Third-Party Information, nor does CPA Australia accept responsibility for any acts or omissions in reliance upon any such information. Such information is of a general nature only and does not consider your personal objectives, financial situation or particular needs. Before acting on such information, consider the appropriateness of the products and services that are promoted having regard to your objectives, financial situation and needs. Independent professional advice should be sought with respect to the product(s) and service(s) and any information referred to on the Landing Pages and/or any Third-Party Information. To the extent permitted by applicable law, CPA Australia, its employees, agents and consultants exclude all liability for any loss or damage claims and expenses including but not limited to legal costs, indirect special or consequential loss or damage (including but not limited to, negligence) arising out of or related to: (a) information contained on the Landing Pages; (b) Third Party Information; and/or (c) the products and services offered by any Partner. As a 'mere referrer', CPA Australia may receive revenue from our Partners.

Bupa

Discount (if applicable) is reviewed periodically by Bupa and your Company and the amount is subject to change. Must pay by direct debit or payroll deduction (if available). Reciprocal Health Cover - Basic is ineligible for any discounting, waivers or retail offers.
1. The Offer
If you’re an Eligible Customer who maintains an Eligible Bupa Health Insurance  Policy and pay by direct debit or payroll deduction (if available), you’ll receive from Bupa HI Pty Ltd (ABN 81 000 057 590) (Bupa):
a. Six (6) weeks free, with the value of free weeks based on your level of cover when payment is made. How it works: 
i. In most cases  , your 6 weeks free will be applied 28 days     after you join, extending the date that billing cycle is “paid to”. 
ii. If your weeks free period ends before your next direct debit date, we may take a smaller-than-usual    payment to make up the difference   . 
iii. If you join through a Bupa consultant and pay yearly, your first payment will be reduced by the value of 6 weeks. 
b. 2 and 6-month waiting periods waived on extras applied at policy join date.

2. Eligible Customer
You are an Eligible Customer if you:
i. have not held domestic Bupa health insurance within the last 12 months of your join date;
ii. are an Australian resident over the age of 18; 
iii. take out an Eligible Bupa Health Insurance Policy (see section 3 below) between 01/09/2024 and 11:59pm AEST on 31/12/2024 and commence your policy by 30/01/2025; 
iv. pay your health insurance premiums by direct debit or payroll deductions (if available) ongoing to receive the Offer;  
v. use promo code “6WEEKSCORP” and quote your company name if joining online; 
vi. do not pay on a yearly billing cycle if joining online; and  
vii. provide a valid email address.  

3. Eligible Health Insurance Policy  
An ‘Eligible Bupa Health Insurance Policy’ is any combined Hospital and Extras product issued by Bupa and included in the relevant customer’s Corporate Health Plan but excludes:
i. Hospital only products;
ii. Extras only products; 
iii. Emergency Only Ambulance and Premium Ambulance covers (both standalone or combined); 
iv. Overseas Visitors Covers (standalone or combined) 
v. Short Stay Visitors Cover 
vi. Overseas Student Health Cover (OSHC) 
vii. Reciprocal Health Cover - Basic
viii. Corporate proposition (CP) range products 
ix. Any company funded health plans (either corporate split bill or corporate subsidised). 
x. Products that are only available to Bupa employees and contractors 

4. General
a. Yearly limits, other waiting periods, benefit claiming restrictions, policy and fund rules apply.
b. The Offer is not available with any other Bupa promotional join offer with the exception of the ‘Refer a Colleague’ offer and if you pay on a yearly billing cycle if joining online.
c. If you do not satisfy these terms and conditions before becoming entitled to the Offer then Bupa may elect, acting reasonably, not to award you with the Offer. If Bupa discovers that you did not satisfy any of these terms and conditions after the Offer has been awarded, then Bupa may decide, acting reasonably, to remove the Offer.
d. Bupa reserves the right to extend this Offer. 
e. Bupa is not liable for any loss or damage suffered because of this promotion (except that which cannot be excluded by law).
f. This Offer is available only if you join through Bupa direct channels and is not available if you join through a price comparator.

NobleOak

Important information – The Target Market Determination for NobleOak’s Premium Life Direct insurance is available on our website.
*Discount – CPA Australia members are entitled to a 12% discount (which remains for the life of the cover) on NobleOak’s usual premium rates for its Income Protection cover with Premium Life Direct. CPA members are entitled to a 12% discount (which remains for the Life of the cover) on NobleOak's Premium Life Direct standard premium rates for its term life cover (not in conjunction with a discount from any other program). 
NobleOak also offers TPD, Trauma and Business Expenses cover. 

NobleOak Awards

~NobleOak’s Premium Life Direct Life Insurance premiums are more than 20 percent lower than the average premium of 15 comparable Direct Insurance products. Our analysis is based on premium rates available as at 30th September 2023, calculated by Plan For Life for Term Life Insurance cover offered directly through insurers (without personal financial advice). Premiums currently available for members include a 12% discount to our standard Premium Life Direct premium rates, and this discount has been factored into the calculations. The average savings quoted are applicable to males and females, smoker and non-smoker, from ages 30 to 60, with sum insured from $100,000 to $1.5m. Plan For Life is one of the leading independent suppliers of Australian Life Insurance and Managed Funds market information, relied upon for over 20 years by the leading life offices, analysts, dealer groups and government bodies.

Legal statements. Premium Life Direct is issued by NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247302. Address: 44 Market Street, Sydney NSW 2000. Phone: 1300 108 490. Email: [email protected]. 
Cover is available to Australian residents and is subject to acceptance of the application and the terms and conditions set out in the Premium Life Direct Product Disclosure Statement (PDS). This information is of a general nature only and does not take into consideration your individual circumstances, objectives, financial situation or needs. Before you purchase an insurance product, you should carefully consider the PDS to decide if it is right for you. The PDS is available by calling NobleOak on 1300 108 490 or from www.nobleoak.com.au. Clients should not cancel any existing Life Insurance policy until they have been informed in writing that their replacement cover is in place. NobleOak cannot provide you with personal advice, but our staff may provide general information about NobleOak Life insurance. By supplying your contact details, you are consenting to be contacted by NobleOak, in accordance with NobleOak’s Privacy Policy. 

Australian Unity

* 7.5% discount includes all other retail discounts and is only available when paying by direct debit. The discount is not available through brokers or comparators, and excludes Overseas Visitor Cover. This discount is not to be used in conjunction with any other offers or discounts except a valid weeks free promotional offer or the Refer a Friend promotional offer subject to relevant T&Cs.
* New members on new memberships only. T&C’s apply at https://www.australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions
+ New members on new memberships only. Not available in ACT. T&C’s apply at https://www.australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions