Terms and Conditions – “Join combined hospital and extras or hospital only cover and receive six weeks free and the waiver of the 2, 3 and 6 month waiting periods on extras cover” (the “Promotion”).

1.    These terms and conditions apply to the Promotion. 
2.    The Promotion commences at 12:00am AEDT on 01/09/2025 and ends at 11:59pm AEDT on 30/09/2025 (The “Promotion Period”). 
3.    The Promotor is Astute Simplicity Health ABN 81 009 478 618 of 93 Cimitiere Street, Launceston, TAS 7250, Tel 1300 090 960 (“Astute Simplicity Health”). 
4.    Participation in this Promotion shall be deemed acceptance of these terms and conditions.
5.    To be eligible for the Promotion the new member(s) must: 
     i.    join a combined hospital and extras cover or hospital only, with a join effective date during the Promotion Period 
     ii.    pay the first months’ premium at the time of join;
     iii.    be new to Astute Simplicity Health, and have not held cover with Astute Simplicity Health in the previous 12 months of the start date of the policy; and
iv.    must be an Australian resident.
6.    In case of an existing member, in addition to points 3ii-3iv above, the member must:
a.    upgrade their existing combined or hospital only cover to include a new partner/spouse or dependent, where the promotion will only apply to the new partner/spouse or dependent; or
b.    upgrade their existing extras only cover to a combined cover, where the promotion will apply to the hospital cover that has been added only, and pay the first months’ premium to take advantage of the 6 weeks free on the additional portion of cover only.
7.    Where an eligible member transfers from another health insurer any annual limits used with the previous insurer may be deducted from the new member’s available limits.
8.    All extras waiting periods greater than 6 months apply.
9.    All hospital waiting periods apply.
10.    Astute Simplicity Health collects personal information on the membership application form. Entry into this Promotion is conditional on providing this information. The personal information collected will be used in accordance with Astute Simplicity Health’ Privacy Policy.
11.    This Promotion cannot be combined with any other offer, unless otherwise advised by Astute Simplicity Health.
12.    Astute Simplicity Health, its contractors, employees, and agents, shall not be liable for any claims, losses, damages, injuries, costs and expenses suffered or sustained or incurred (including but not limited to indirect or consequential loss), arising out of or in any way connected with the Promotion and/or except for liability that cannot be excluded by law. 
13.    Astute Simplicity Health reserves the right, at any time, to verify an individual’s eligibility for the Promotion (including an entrant’s identity, age and place of residence) and to determine an individual(s)is not eligible for the promotion in accordance with these terms and conditions. Errors and omissions may be accepted at the Astute Simplicity Health’ discretion. Failure by Astute Simplicity Health to enforce any of its rights at any stage does not constitute a waiver of those rights.
14.    Astute Simplicity Health’ decision is final, and no correspondence will be entered into.
15.    Astute Simplicity Health assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorised access to, or alteration of the Promotion. Astute Simplicity Health is not responsible for any problems or technical malfunction of any telephone, network or lines, computer on-line systems, servers, or providers, computer equipment, software, technical problems or traffic congestion on the Internet or any website, or any combination thereof, including any injury or damage to members or any other person’s computer related to or resulting from participation in or downloading any materials in this Promotion. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of Astute Simplicity Health, Astute Simplicity Health reserves the right, in its sole discretion, to the fullest extent permitted by law to:
a.    exclude any entrant; or
b.    modify, suspend, terminate or cancel the Promotion, as appropriate.
16.    Employees of Astute Simplicity Health are not eligible for the Promotion. This includes an employee’s partner/spouse and dependant.