Best Deal Guarantee

Health - Terms & Conditions

Life - Terms & Conditions



Best Deal Guarantee - Health Terms & Conditions

If within 60 days of taking out a health insurance policy through iSelect, you find the same policy for less, iSelect will give you a Myer voucher for 110% of the difference. To make a claim please refer to our terms and conditions below.

Terms and Conditions - iSelect's "Best Deal Guarantee" (the Guarantee) is subject to the following terms and conditions as set out in the clauses below:

  1. The Guarantee is not available in conjunction with any other iSelect offer.
  2. The Guarantee will only apply to Australian residents aged 18 years and over who purchase a health insurance policy through iSelect.
  3. The Guarantee will not apply to employees of iSelect (or their immediate families) and any agencies associated with the Guarantee.
  4. The Guarantee applies to health insurance policies purchased through iSelect during the period in which the Guarantee is available and which cover:
    1. hospital and extras (ancillary treatment) combined policy;
    2. hospital only policy; and
    3. extras only policy.
  5. The Guarantee will not apply to:
    1. overseas visitors cover; and
    2. policies available for purchase through corporate policy plans or similar arrangements.
  6. The Guarantee will not apply to any purchaser of a health insurance policy through iSelect who cancels the policy within thirty (30) days of purchase.
  7. Subject to these Terms and Conditions, the Guarantee is available for any health insurance policy purchased through iSelect between 9:00am AEST on 1 May, 2009 and 5:00pm AEST on 31 December 2010.
  8. Any claim under the Guarantee must be made by the purchaser of the health insurance policy within sixty (60) days from the date of purchase of the health insurance policy through iSelect.
  9. To make a claim under the Guarantee, the purchaser of the health insurance policy must:
    1. contact the iSelect customer service team on 13 19 20;
    2. provide to iSelect a written quote obtained from the health fund (the Quote) for the same health insurance policy as the health insurance policy previously purchased through iSelect. The Quote must be for a health insurance policy, which is identical to the health insurance policy purchased through iSelect in respect of the following features:
      1. policy name and type;
      2. the number of persons covered and their state of residence;
      3. any excess and co-payment levels;
      4. applicable loadings and rebates; and
      5. premium payment methods and frequency of premium payment.
  10. If iSelect considers, in its sole and absolute discretion, that:
    1. the Quote is identical in respect of each of the features referred to at clause 9(b)(i) to (v) above; and
    2. the Quote has a lower ongoing premium (the Premium) than the health insurance policy purchased through iSelect for the first twelve (12) months assessed from the date of purchase of the health insurance policy previously purchased through iSelect.
  11. iSelect will refund to the purchaser of the health insurance policy the difference in the Premium plus 10% in the form of a Coles Group and Myer Gift card (Card).
  12. If iSelect considers, in its sole and absolute discretion, that:
    1. the Quote is identical in respect of each of the features referred to at clause 9(b)(i) to (v) above; and
    2. the Quote provides for a gift or offer being of a defined monetary value (the Offer):
      1. which was not available through iSelect at the time of purchase of the health insurance policy through iSelect; or
      2. where no other gift or offer (the Other Gift or Offer) of an equivalent monetary value to the Offer was available in conjunction with the health insurance policy at the time of purchase of the health insurance policy through iSelect.
  13. iSelect will provide to the purchaser of the health insurance policy a Card to the value of the Offer or the difference between the value of the Offer and the Other Gift or Offer, as applicable, plus 10%.
  14. Any gift, offer or other incentive having an undefined monetary value, which is offered or otherwise made available by the health fund in conjunction with a health insurance policy, will not be taken into account for the purpose of the Guarantee. Examples of gifts or offers or incentives having an undefined monetary value are waiting period waiver provisions, competitions and discount coupons.
  15. Cards will only be issued by registered post. iSelect will not replace any Card issued where iSelect receives confirmation of delivery of the Card by registered post to the postal address nominated by the purchaser. Cards will be delivered within 60 days of the date of making a valid claim under the Guarantee.
  16. iSelect reserves the right to confirm the eligibility of the person making a claim under the Guarantee. iSelect also reserves the right to verify the accuracy and validity of any Quote provided for the purpose of making a claim under the Guarantee.
  17. Any purchaser of a health insurance policy who:
    1. has had a previous conviction for offences involving insurance fraud;
    2. who fails to disclose all material facts upon purchasing the health insurance policy through iSelect; and/or
    3. who fails to disclose all material facts upon making a claim under the Guarantee.
  18. will be ineligible to make a claim or receive a Card under the Guarantee.
  19. Where a purchaser is required to provide to iSelect any details in writing (including the Quote) for the purpose of making a claim under the Guarantee, those details must be reasonably legible or otherwise decipherable. In the event that any written details are illegible or indecipherable, the purchaser will be deemed not to have made a claim under the Guarantee and will be informed by iSelect accordingly.
  20. Only one claim is permitted for any health insurance policy purchased through iSelect. Purchasers of multiple health insurance policies through iSelect must make separate claims under the Guarantee in respect of each health insurance policy purchased.
  21. The Guarantee is subject to legislative and regulatory provisions, including those contained within the Commonwealth Private Health Insurance Act 2007.
  22. iSelect reserves the right to modify, suspend or terminate the Guarantee at any time without affecting the entitlements of any purchaser who has, at that time, already made a claim under the Guarantee.
  23. Except for any liability that cannot be excluded by law, iSelect (including its officers, employees and agents) excludes all liability for any injury, loss (including loss of opportunity) or damage resulting from or otherwise arising out of or in connection with the Guarantee.
  24. iSelect collects personal information in order to conduct the Guarantee. Any purchaser making a claim under the Guarantee must provide the information required. Any information provided by purchasers to iSelect for the purpose of making a claim under the Guarantee is subject to our privacy policy. Purchasers can obtain a copy of iSelect's privacy policy at www.iselect.com.au.
  25. All consumer queries in relation to the Guarantee should be directed to iSelect's customer service team on 13 19 20. The promoter of the Guarantee is iSelect Health Pty Ltd (ABN 87 088 749 955) of Level 4, 973 Nepean Highway, Moorabbin, Melbourne VIC 3189.


Best Deal Guarantee - Life Terms & Conditions

If within 30 days of taking out a life insurance policy through iSelect, you find the same policy for less, iSelect will give you a Coles Group & Myer voucher for 110% of the difference. To make a claim please refer to our terms and conditions below.

Terms and Conditions - iSelect's "Best Deal Guarantee" (the Guarantee) is subject to the following terms and conditions as set out in the clauses below:

  1. The Guarantee is not available in conjunction with any other iSelect offer.
  2. The Guarantee will only apply to Australian residents aged 18 years and over who purchase a life insurance policy through iSelect.
  3. The Guarantee will not apply to employees of iSelect (or their immediate families) and any agencies associated with the Guarantee.
  4. The Guarantee applies to life insurance policies purchased1 through iSelect during the period in which the Guarantee is available and which cover:
    1. Term Life policy;
    2. Trauma policy; 
    3. TPD policy; and
    4. Income Protection policy;
  5. The Guarantee will not apply to policies available for purchase through corporate policy plans or similar arrangements.
  6. The Guarantee will not apply to any purchaser of a life insurance policy through iSelect who cancels the policy within thirty (30) days of purchase.
  7. Subject to these Terms and Conditions, the Guarantee is available for any life insurance policy purchased through iSelect between 9:00am AEST on 1 January, 2010 and 5:00pm AEST on 31 December 2010.
  8. Any claim under the Guarantee must be made by the purchaser of the life insurance policy within thirty (30) days from the date of purchase of the life insurance policy through iSelect.
  9. To make a claim under the Guarantee, the purchaser of the life insurance policy must:
    1. Contact the iSelect life insurance customer service team on 13 19 20;
    2. Provide to iSelect a written quote obtained from the life insurer (the Quote) for the same life insurance policy as the life insurance policy previously purchased through iSelect. The Quote must be for a life insurance policy, which is identical to the life insurance policy purchased through iSelect in respect of the following features:
      1. Policy name, type and insurer;
      2. age and occupation rating;
      3. the number of persons covered and their state of residence;
      4. any excess;
      5. conditions imposed by the relevant insurer;
      6. applicable loadings and rebates; and
      7. premium payment methods and frequency of premium payment.
  10. If iSelect considers, in its sole and absolute discretion, that:
    1. The Quote is identical in respect of each of the features referred to at clause 9(b)(i) to (vii) above; and
    2. the Quote has a lower ongoing premium (the Premium) than the life insurance policy purchased through iSelect for the first twelve (12) months assessed from the date of purchase of the life insurance policy previously purchased through iSelect;
  11. iSelect will provide to the purchaser of the life insurance policy the difference in the Premium plus 10% in the form of a Coles Group and Myer Gift card (Card).
  12. If iSelect considers, in its sole and absolute discretion, that:
    1. the Quote is identical in respect of each of the features referred to at clause 9(b)(i) to (vii) above; and
    2. the Quote provides for a gift or offer being of a defined monetary value (the Offer):
      1. Which was not available through iSelect at the time of purchase of the life insurance policy through iSelect; or
      2. where no other gift or offer (the Other Gift or Offer) of an equivalent monetary value to the Offer was available in conjunction with the life insurance policy at the time of purchase of the life insurance policy through iSelect;
  13. iSelect will provide to the purchaser of the life insurance policy a Card to the value of the Offer or the difference between the value of the Offer and the Other Gift or Offer, as applicable, plus 10%.
  14. Any gift, offer or other incentive having an undefined monetary value, which is offered or otherwise made available by the life fund in conjunction with a life insurance policy, will not be taken into account for the purpose of the Guarantee. Examples of gifts or offers or incentives having an undefined monetary value are waiting period waiver provisions, competitions and discount coupons.
  15. Cards will only be issued by registered post. iSelect will not replace any Card issued where iSelect receives confirmation of delivery of the Card by registered post to the postal address nominated by the purchaser. Cards will be delivered within 30 days of the date of making a valid claim under the Guarantee.
  16. iSelect reserves the right to confirm the eligibility of the person making a claim under the Guarantee. iSelect also reserves the right to verify the accuracy and validity of any Quote provided for the purpose of making a claim under the Guarantee.
  17. Any purchaser of a life insurance policy who:
    1. Has had a previous conviction for offences involving insurance fraud;
    2. who fails to disclose all material facts upon purchasing the life insurance policy through iSelect; and/or
    3. who fails to disclose all material facts upon making a claim under the Guarantee;
    will be ineligible to make a claim or receive a Card under the Guarantee.
  18. Where a purchaser is required to provide to iSelect any details in writing (including the Quote) for the purpose of making a claim under the Guarantee, those details must be reasonably legible or otherwise decipherable. In the event that any written details are illegible or indecipherable, the purchaser will be deemed not to have made a claim under the Guarantee and will be informed by iSelect accordingly.
  19. Only one claim is permitted for any life insurance policy purchased through iSelect. Purchasers of multiple life insurance policies through iSelect must make separate claims under the Guarantee in respect of each life insurance policy purchased.
  20. The Guarantee is subject to legislative and regulatory provisions, including those contained within the Commonwealth Corporation Act 2001.
  21. iSelect reserves the right to modify, suspend or terminate the Guarantee at any time without affecting the entitlements of any purchaser who has, at that time, already made a claim under the Guarantee.
  22. Except for any liability that cannot be excluded by law, iSelect (including its officers, employees and agents) excludes all liability for any injury, loss (including loss of opportunity) or damage resulting from or otherwise arising out of or in connection with the Guarantee.
  23. iSelect collects personal information in order to provide benefit of the Guarantee. Any purchaser making a claim under the Guarantee must provide the information required. Any information provided by purchasers to iSelect for the purpose of making a claim under the Guarantee is subject to our privacy policy. Purchasers can obtain a copy of iSelect's privacy policy at www.iselect.com.au.
  24. All consumer queries in relation to the Guarantee should be directed to iSelect's customer service team on 13 19 20. The promoter of the Guarantee is iSelect Life Pty Ltd (ABN 89 124 304 347) of Level 4, 973 Nepean Highway, Moorabbin, Melbourne VIC 3189.