Citro and nib “2 and 6 Month Waiver” Terms and conditions

November 2023 – April 2024 Offer

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 (nib) and Citrus Innovations Pty Ltd ABN 25 667 285 654 of Level 21, 50 Bridge Street Sydney NSW 2000 Citro) (Promoter).
3. The Offer commences at 12:00 am (AEDT) on 10 November 2024 and closes at 11.59 pm (AEST) on 30 April 2024 (Offer Period).  Claimants who have joined one of nib’s Eligible Products after 11.59 pm (AEST) on 30 April 2024 will not be eligible for the Offer.   
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 one of the nib combined Hospital and Extras Australian residents' health insurance products (nib ARHI product) through the referral website https://cloud.au.nib.com.au/citro, or through nib’s Contact Centre during the Waiver Period (“Eligible Product”). Ineligible products include Basic Kickstarter, Basic Accident Hospital and Value Extras 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, Apia Health Insurance, ING, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, or those moving from one of these products to an nib 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 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 nib’s website https://cloud.au.nib.com.au/citro or through nib’s Contact Centre;
   (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, Priceline Health Insurance, Real Health Insurance, Seniors Health Insurance, 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. nib 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), nib and 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. nib and 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. nib and the Promoter reserve the right to disqualify any persons that provides false information or who seeks to gain an unfair advantage or to manipulate this Waiver.
17. nib and 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://www.nib.com.au/legal/privacy-policy) and the Promotor’s Privacy Policy (at https://www.joincitro.com.au/privacy-policy). If the personal information is not provided, the member may not participate in this Waiver.