‘The iSelect Price Promise for Health Insurance Terms and Conditions’
Example of how to claim:
If purchase a health insurance policy through us for $500 and find the identical policy for $499 or less elsewhere (including directly from the provider) within 30 days, let us know and we will give you a $500 gift card.
Terms & Conditions
Overview
- At iSelect Pty Ltd (“iSelect”, “we” or “us” as the context requires) we pride ourselves on helping you find a health insurance policy that meets your needs from our approved product list. We back this confidence in relation to health insurance policies sold through us with this iSelect price promise (“Price Promise”) as outlined in these terms and conditions (“Terms and Conditions”), set out below.
- By purchasing a health insurance policy through us, you accept this Price Promise pursuant to these Terms and Conditions.
Who is eligible to claim?
- In order to claim under this Price Promise, you must:
- Be an Australian resident aged 18 years or above;
- Purchase a health insurance policy through iSelect. For clarity, a ‘health insurance policy’ specifically excludes Overseas Visitors Health Insurance or travel insurance;
- Hold that health insurance policy for at least thirty (30) days; and
- Find and document an identical policy from the same fund for a price that is cheaper than the health insurance policy you purchased from us within thirty (30) days after your cover commences;
- Notify us in accordance with ‘How to Claim’, below within thirty (30) days of finding an identical policy.
For the sake of clarity, you will have a total of up to sixty (60) days from the time your cover commences to claim.
How to Claim
- In order to claim the eGift Card (defined below), you must:
- Have met the requirements outlined in paragraph 3;
- Notify us of your requested claim by sending us your name, email address, iSelect client ID and provide documented confirmation of the cheaper health insurance policy quote on a letterhead paper or other documentation which clearly identifies the price offered and the relevant fund. For example, you could print out the fund webpage at the final payment stage for the cheaper policy you have found. You must also provide us details of the relevant policy description, policy terms and conditions, and the date of the cheaper quote clearly shown; and
- Send this claim notification and information via email to [email protected] or via post to Level 11, Tower 1/727 Collins St, Docklands VIC 3008.
- If we are reasonably satisfied, in our sole discretion, that the policy you have purchased through iSelect and the cheaper identical policy you have identified are eligible for this Price Promise in accordance with these Terms and Conditions, we will send you an e-gift card valued at $500 (“eGift Card”).
- Once verified, we’ll send the eGift Card within a 35-day period of claiming.
- Any eGift Card issued by us under the Price Promise will be in accordance with these Terms and Conditions. eGift Cards are not exchangeable or transferable and cannot be taken as cash. Any unused eGift Card balance will not be awarded as cash.
- eGift Cards are issued by Prezzee Pty Ltd ABN 16 602 963 422. Full eGift Card terms and conditions available online at https://www.prezzee.com.au/doc/terms-of-sale/.
- The eGift Card link must be activated within the required activation period (3 months). Once activated the eGift Card is valid for 3 years from the date of activation. You can exchange the value of this eGift Card for a choice of participating retailer gift cards available on Prezzee. Once the new gift card has been selected, new expiry dates will be set and specific retailer terms and conditions apply. iSelect and Prezzee are not able in any circumstances to extend the activation date or the expiry date of any eGift Card issued as part of this Price Promise. iSelect and Prezzee will not be responsible for any eGift Card that has been misplaced, lost, stolen, forged, damaged or tampered with in any way and will not reissue eGift Card under any circumstance.
- The eGift Card will be accompanied with information about how to activate and use the eGift Card. To activate your card, you will need the unique code that will be sent to you via email. The eGift Card needs to be activated within the date specified in the email (within 3 months of activation email send date). Should you require, iSelect can re-send the eGift Card activation email at any point up until the activation period expiry date, but cannot extend the expiration date itself or re-send the eGift Card activation email after the expiration date has passed.
- Your personal information is handled in accordance with iSelect’s Privacy Policy, which can be found at: https://www.iselect.com.au/privacy-policy/.
- A maximum of one (1) claim is permitted per person.
- In the event a policy is held in more than one name, that policy can only be claimed under this Price Promise once.
Exclusions
- The following are specifically excluded from this Price Promise:
- Any price that is not publicly available (for example, corporate discounted rates, employee/ “friends/family” rates, group discounted rates, etc);
- Plans that are not offered in Australia;
- Gifts, offers, promotions or incentives provided in conjunction with the policy;
- Waivers of waiting periods; or
- Loyalty points or other non-monetary benefits;
General
- We reserve the right to reject any claim if:
- We are unable to verify that you have purchased a policy with us or that you did not hold the policy for at least thirty (30) days;
- The documentation you have submitted is incomplete or indecipherable;
- We are unable to verify that the cheaper policy is identical to that which you have purchased through iSelect; or
- We have reason to believe that you have breached these Terms and Conditions or otherwise engaged in misconduct (including but not limited to fraudulent behaviour and/or that you have acted in a way that jeopardises the fair and proper conduct of this Price Promise).
- The Price Promise applies only to health insurance policies sold through iSelect. It does not apply to any other products or policies sold through iSelect (e.g. car insurance, electricity). For the cheaper health insurance policy to be “identical” to the health insurance policy purchased through iSelect and therefore eligible for the benefit of the Price Promise, the cheaper policy must be the same in every respect to the health insurance policy you purchased through us (including policy type, level of cover, any extras included, excess chosen, and any applicable Australian Government Rebate on Private Health Insurance and Lifetime Health Cover applied).
- We reserve the right to modify, suspend or terminate the Price Promise at any time without notice subject to any written directions from a regulatory authority.
- Any failure to produce documentation required by iSelect in the timeframe stipulated will deem any claim invalid.
Date updated: September 24