Terms and Conditions: No 2 month or optical waiting periods on extras (1 Oct – 14 Dec 2025)

1. This promotion is only available:
   1. to new members on new memberships who have not previously held Australian Unity health insurance within 90 days of joining;
   2. to members who purchase Australian Unity hospital & extras cover;
   3. through either the Australian Unity call centre/website, Australian Unity Partnerships (phone and online portals) or aggregator or comparator call centre/website;
   4. between 1 Oct and 14 Dec 2025, where the policies purchased have a commencement date between 1 Oct and 14 Dec 2025
      1. Notwithstanding section 1c, Members who join Australian Unity hospital & extras cover (either a combined product or a hospital product and an extras product) through iSelect’s or Health Insurance Comparison (HIC)’s or It’s My Health’s or HealthDeal’s referral program must have a referral date (i.e. the date the sale was processed by iSelect / HIC / It’s My Health / HealthDeal) no later than 14 December 2025 and a start date no later than 31 December2025.
2. This promotion is available to existing members with hospital only, adding extras cover to their policy or existing members with hospital and extras who upgrade their extras level of cover (waiting periods waived for higher benefits allowance only).
3. This promotion is not available:
   1. to new members who purchase hospital only cover, extras only cover, Overseas Visitors Cover or Overseas Visitors Cover plus extras cover;
   2. to Australian Unity staff; or
   3. in conjunction with any other retail offer or promotion being run by Australian Unity at the same time except where those retail offers, or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.
      1. This offer is available in conjunction with any weeks free offer that may be in market at the same time as this waiting period waiver offer.
4. After satisfying condition 1 to 3 above, Australian Unity will waive 6-month optical extras waiting periods and all 2-month extras waiting periods required to be served under extras covers which have been purchased as part of this promotion. Unless specified by Australian Unity, all other waiting periods for all products still apply.
5. If you are transferring from another fund, we’ll take into consideration the amount you’ve claimed in 2025 under your previous cover when we calculate your yearly limit for equivalent services under your new cover.
6. Australian Unity reserves the right to update or withdraw this offer. Any changes will be published on our website and will apply only to policies purchased after the update date. Existing members who have already qualified for the offer will continue to receive the benefit as outlined.
7. Australian Unity may request further information from any purchaser at its discretion in order to determine whether the purchaser is eligible for this promotion

Terms and Conditions: Get a Quote to Enter 5 x $1,000 Gift Card Draw (6 October 2025 – 6 January 2026)

1. Information on how to enter and prizes forms part of these terms and conditions of entry. By entering the "Enter the draw to win a $1,000 Gift Card" competition (competition), you acknowledge that you have read these terms and conditions and that you agree to be bound by them.
2. The promoter is Australian Unity Health Limited ABN 13 078 722 568, 271 Spring Street, Melbourne, VIC, 3000 (Promoter).
3. The competition runs from 12.01am (AEDT) 6 October 2025 to 11:59pm (AEDT) 6 January 2026. The Promoter reserves the right to extend the competition end date at any time. No late entries will be accepted. Incomplete or incoherent entries will be invalid.
4. The prize consists of 5 x $1,000 prepaid Mastercard Gift Card.
5. To be eligible to enter the competition you must:
   1. be 18 years or older;
   2. reside in any Australian State or Territory, except the ACT.
   3. Not a new customer joining via CPA partnership channel.
6. To be entered into the random prize draw the entrant must complete an Australian Unity health insurance quote (for hospital cover, or extras cover, or a combination hospital and extras cover), Australian Unity contact centre, or Australian Unity Partnerships (phone) and include their email address and phone number.
7. A limit of one entry to the competition per person applies to those who obtain quote only. If an entrant proceeds to purchase and commence an Australian Unity health insurance product prior to 11:59pm (AEDT) 6 January 2026 they will have an additional 9 entries into the competition. This offer is subject to compliance with applicable trade promotion laws. There is no fee to enter.
8. For the avoidance of doubt, this promotion is not available:
   1. through brokers, intermediaries or comparators;
   2. to employees, directors or officers of the Promoter, and any of its related bodies corporate, and any companies or agencies associated with this competition, or their immediate families;
   3. on Overseas Visitors Cover (OVC) products; or
   4. to members who hold Australian Unity private health insurance with a policy commencement prior to 6 October 2025.
9. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and proof of residency) and to disqualify any entrant who submits an entry that is not in accordance with these terms and conditions or who tampers with the entry process.  Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of these rights.
10. The winners will be chosen at random by manual draw. A limit of one prize per entrant applies. The first 5 valid entries drawn will win the prize described above. The random prize draw will be held on 20^th January 2026 at 11:30am (AEDT) at 271 Spring Street, Melbourne, VIC, 3000 and the winners notified by phone and/or email by 23rd January 2026. The winners will be published on the Australian Unity website at australianunity.com.au/competitionwinners by 28^th January 2026.
11. If a prize is not claimed by 28^th  January 2026 a second chance random draw will take place on this date and the prize-winner/s will be notified by phone and/or email by 5^th February 2026, and the new winner will be published on the Australian Unity website at australianunity.com.au/competitionwinners on 12^th February 2026.
12. The prize is not transferable or refundable. No part of the prize is exchangeable or redeemable for cash or any other prize. If any aspect of a prize cannot be delivered for any reason, the Promoter reserves the right to substitute the prize for any other similar item (or items) of equal or greater value subject to State laws.
13. The results of the draw and Promoter’s decisions in relation to all aspects of this promotion are final and binding on all entrants.
14. Subject to regulatory approval, the Promoter reserves the right to amend the competition and its terms and conditions at any time and for any reason, and will notify entrants of any such amendments as soon as reasonably practicable on the competition page at australianunity.com.au/tcs.  It is the entrant's responsibility to regularly check the competition page for any amendments.
15. Nothing in these terms and conditions limits, excludes or modifies or purports to limit, exclude or modify the Promoter's liability in relation to the consumer guarantees under the Australian Consumer Law (Non-Excludable Guarantees). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective 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 competition including:
    1. any technical difficulties or equipment malfunction (whether or not under the Promoter’s control);
    2. any theft, unauthorised access or third party interference;
    3. any entry or prize claim that is late, lost, altered, damaged or misdirected (whether or not after their receipt by the Promoter) due to any reason beyond the reasonable control of the Promoter;
    4. any variation in prize value to that stated in these terms and conditions;
    5. any tax liability incurred by the winner or entrant; or
    6. use of the prize.
16. To the extent permitted by law, the Promoter shall not be liable for any loss or damage whatsoever (including but not limited to indirect or consequential loss) which is suffered or sustained by any entrant/winner as a result of participating in this promotion, or accepting any prize.
17. The Promoter accepts no responsibility for any tax implications that may arise from winning the prize. Independent financial advice should be sought.
18. All entries will be the property of the Promoter. Entrants consent to the use of their personal information for the purposes of administering the competition and, where consent is provided, for marketing communications in accordance with the Promoter’s Privacy Policy. The Promoter is bound by the Australian Privacy Principles in the Privacy Act 1988. The Promoter’s privacy policy is available on the Promoter’s website at australianunity.com.au/privacy-policy. Entrants can request access to the personal information the Promoter holds about them by contacting the Promoter at the address set out above.
19. The winner of the promotion consents to the Promoter using their name, likeness, image and/or voice (including photograph, film and/or recording of the same) in any media, marketing or advertising activities for an unlimited period without remuneration.
20. If for any reason whatsoever beyond the reasonable control of the Promoter, this promotion is not capable of being conducted as reasonably anticipated, the Promoter reserves the right, in its sole discretion, unless to do so would be prohibited by law, to
    1. disqualify any entrant; and/or
    2. subject to any written directions from a regulatory authority, to cancel, suspend, modify, terminate or cancel the promotion.
21. The laws of Victoria apply to this promotion.  Entrants submit to the exclusive jurisdiction of the courts of Victoria.

Terms and Conditions: Get 8 (6+2) weeks free when you purchase hospital and extras cover (19 August 2025 – 30 June 2026)

1. This offer only applies:
   1. to people who purchase Australian Unity hospital and extras cover at the same time (i.e. either a combined product or a hospital product and an extras product);
      1. through either:
         1. the Australian Unity call centre; or
         2. the Australian Unity website;
   2. between 19 August 2025 – 30 June 2026 where the policies purchased have a commencement date between 19 August 2025 – 30 June 2026; and
   3. who are new members on new memberships (who have not previously held Australian Unity health insurance or Overseas Visitors Cover within 90 days of joining).


2. After complying with paragraph 1 above, and subject to paragraph 3 and 4 below, the policy holder may receive 8 (6+2) weeks free on their cover. Limit of one 8 (6+2) weeks free offer per membership.


3. This promotion is not available:
   1. to members who take out hospital only cover or Overseas Visitors Cover;
   2. to members who take out extras only cover;
   3. To members who take out a corporate product or cover that has a corporate partnership discount;
   4. to Australian Unity staff; or
   5. to dependants who come off their parent’s policy and take out hospital & extras cover or a combination cover within 90 days. However, they may be eligible for a separate offer if they join within 30 days, refer to the details here.


4. The 8 weeks free will be applied over 13 months:
   1. 6 weeks free will be applied to the membership after the policy holder has held cover for a minimum period of 60 continuous days and the policy is paid up to date:
      1. The 6 weeks free will not be applied on any policies that at any time during the first 60 days of membership have been or are in arrears or suspended.
      2. The 6 weeks free offer is applied to your policy by advancing the date you are paid up to, i.e. moving it forward 6 weeks. The 6 weeks free will be applied to policies within 30 days after completing 60 continuous days of paid membership.
      3. The offer will be forfeited if the member has changed cover within the first 60 days to hospital only cover, extras only cover or Overseas Visitors Cover.
      4. The offer will be forfeited if the member has changed to a product that has a corporate partnership discount in first 60 days of membership.
   2. Additional 2 weeks free will be applied to the membership if, at 365 days, the policy remains as hospital and extras cover and the policy is paid up to date:
      1. The 2 weeks free offer is applied to your policy by advancing the date you are paid up to; i.e. moving it forward 2 weeks. The 2 weeks free will be applied to policies within 30 days after completing 365 days of paid membership.
      2. The offer will be forfeited if member is no longer an active policyholder on the fulfilment date.
      3. The offer will be forfeited if member has changed cover within the first 365 days to hospital only cov er, extras only cover or Overseas Visitors Cover.
      4. The offer will be forfeited if member has changed to a product that has a corporate partnership discount between day 61 – day 395 of membership.
5. This offer is not available in conjunction with any other offer or promotion, except where those retail offers or promotions are clearly expressed or communicated by Australian Unity to constitute or form part of a single offer.
6. This offer can be withdrawn at any time by Australian Unity. Australian Unity reserves the right to change these offer conditions at any time by publishing updated terms and conditions on its website australianunity.com.au/health-insurance/campaign/health-offer/terms-and-conditions, and to apply the updated offer conditions to any policies purchased after the time when the conditions were updated.
7. Australian Unity may request further information from any purchaser at its discretion, acting reasonably, in order to determine whether the purchaser is eligible for this promotion.