Insurance

^ Offer commences on 5 December 2023 and ends on 31 December 2024 at 11.59pm AEST (Offer Period).

Offer provides new customers with two months' free in their first policy year only when they purchase a Pet Insurance policy distributed by the Commonwealth Bank of Australia (CBA) during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months' free will be deducted from your first policy year premium at the time of purchase.

To redeem the Offer by phone, eligible customers must use the promo code CBA2MONTH at the time of purchasing the Pet Insurance policy distributed by CBA. Offer is automatically applied to online quotes at the time of purchasing the Pet Insurance policy. Customers can remove this Offer at the time of purchase.

Offer will cease if you change your level of cover.

Offer cannot be used in conjunction with any other offer.

Eligibility criteria applies for Pet Insurance distributed by CBA, subject to the applicable Pet Insurance policy terms and conditions, including limits, exclusions and waiting periods (see Product Disclosure Statement).

CBA reserves the right to withdraw, vary or extend this offer at any time, without notice.

# AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) makes this premium cashback offer to Eligible Customers holding an Eligible Policy (Offer), on the following terms and conditions. You will be an Eligible Customer where: As at 1 October 2024 you do not hold and are not insured under, nor have you in the 2 months prior to 1 October 2024 held or been insured under, a private health insurance policy issued by AIA Health. You have not utilised any other discount or promotion issued or provided by AIA Health within the last 12 months. You must purchase a policy issued by AIA Health that commences between 1 October 2024 and 28 November 2024 (Eligible Policy). The Premium Cashback offer and e-gift card offer exclude AIA Health Extras Only products, AIA Health Silver Plus Family Hospital and Gold Hospital products (either standalone or within a combined product), AIA Health Overseas Workers Base Cover, and AIA Health Overseas Workers Standard Cover, and is not available in conjunction with any other promotional join offer issued by AIA Health or any other AIA Australia Limited staff promotional offer or discount.

Premium cashback and bonus cashback or e-gift card offer is subject to meeting qualifying periods. Combined Hospital and Extras (including FlexiExtras) is subject to Qualifying period 1 and 2 for a total premium cashback value of 6 weeks, Combined Hospital and Extras (excluding FlexiExtras) and Hospital Only cover is subject to Qualifying period 1 for a total premium cashback value of 4 weeks.

Qualifying Period 1: For Eligible Policies purchased between 1 October 2024 and 31 October 2024, you must have held and paid for your Eligible Policy for a continuous period up to 3 February 2025 or for Eligible Policies purchased between 1 November 2024 and 28 November 2024, you must have held and paid for your Eligible Policy for a continuous period up to 3 March 2025, you will then be reimbursed the equivalent of 4 weeks of premiums as a cash back to your nominated bank account within 15 business days of meeting the criteria.

Qualifying Period 2: For Eligible Policies purchased between 1 October 2024 and 31 October 2024, you must have held and paid for your Eligible Policy for a continuous period up to 3 November 2026 or for Eligible Policies purchased 1 November 2024 and 28 November 2024, you must have held and paid for your Eligible Policy for a continuous period up to 1 December 2026, and you have AIA Vitality Silver Status or above at the time of fulfilment, you will then be reimbursed equivalent of 2 weeks of premiums as a cash back to your nominated bank account within 15 business days of meeting the criteria.

To view the eligibility criteria, qualifying periods, terms and conditions here.

A bonus cashback or e-gift card of up to $200, funded by CommBank, is offered to customers who purchase a combined AIA Health Combined Hospital and Extras (including FlexiExtras) product. Your cashback or e-gift card amount will be determined by your policy type: Single/Single Parent policies will receive $100 cashback, or an e-gift card and Couple/Family policies will receive $200 cashback or an e-gift card. To receive your cashback or e-gift card, you must activate your AIA Vitality membership. The cashback or e-gift card will be added to your Voucher Wallet in the AIA Vitality App. You are required to have held and paid for your Eligible Policy for a continuous period as directed in the relevant Qualifying Period. You will be issued your cashback or e-gift card via the AIA Vitality App within 15 business days of meeting the terms of eligibility for Qualifying Period 1. You must select and activate your cashback or e-gift card within 90 days from the time you receive your cashback or e-gift card. If you do not activate your cashback or e-gift card within 90 days, it will be forfeited, and no acquisition offer/benefit will be paid. Once you’ve activated your e-gift you’ll have a minimum three-year expiry period. Eligible Customers will be able to select cashback into their CommBank account or an e-gift card from the following retailers: Amazon Australia, Bunnings, House, Myer, rebel, Ticketmaster, Woolworths, St Kilda Football Club or Collingwood Football Club. Your nominated email address is determined to be the primary email address for the policy. The value of the e-gift card is not exchangeable for cash. AIA Vitality Partners are subject to change at the discretion of AIA Health.

Premium cashback and bonus cashback or e-gift card offer eligibility is determined by AIA Health and we are reliant on the information provided to us by them whether you qualify. For eligibility enquiries, contact AIA Health Insurance on 1800 943 010, 8am-6pm Monday to Friday (Sydney/Melbourne time).

¹ If you purchase combined Residential Building and Contents Cover, a discount of up to 15% will be applied to your basic premium. If you purchase combined Investment Building and Contents Cover, a discount of up to 10% will be applied to your basic premium. This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement or any Supplementary Product Disclosure Statement) or in conjunction with any other promotional offer, unless advised in the promotional offer that this discount will apply. This discount may be removed or changed effective from the renewal date. This discount cannot be backdated. Minimum premiums may come into force and reduce the extent to which discounts are applied. No discounts apply to Portable Contents Cover when taken as a standalone policy.

² Accident and sickness both have specific meanings set out in the Income Protection provided by AIA Product Disclosure Statement (PDS).

AIA Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at www.aia.com.au/tmds.

Home Insurance and Car Insurance are provided and issued by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of Hollard or the products Hollard offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Home Insurance and/or Car Insurance policy, CBA is paid a commission which is a percentage of your premium.

For products issued by Hollard, information about the target market can be found within the product’s Target Market Determination available here.

Life Insurance provided by AIA Australia and Income Protection provided by AIA Australia, as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Life Insurance provided by AIA Australia and/or Income Protection provided by AIA Australia, CBA is paid a commission which is a percentage of your premium.

The health insurance products described on this website are issued by AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) and are distributed by AIA Financial Services Limited (ABN 68 008 540 252) (AIA Financial Services), a wholly owned subsidiary of AIA Australia Limited (ABN 79 004 837 861) (AIA Australia).

Commonwealth Bank of Australia (ABN 48 123 123 124) (CBA) has been authorised by AIA Financial Services to promote health insurance products issued by AIA Health to its customers, for which CBA receives a commission. AIA Health, AIA Financial Services and AIA Australia are not part of the CBA Group and CBA does not guarantee and is not responsible for the performance of the health insurance products issue by AIA Health or the obligations of AIA Health, AIA Financial Services or AIA Australia. For more information about the products and services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy.

This information is current as at the date of this communication and may change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. 

Pet Insurance is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). PetSure is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of PetSure or the products PetSure offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a pet insurance policy, CBA is paid a commission. PetSure has prepared a Target Market Determination (TMD) which describes the class of consumers that comprise the target market for this product. The TMD is available at https://www.commbank.com.au/insurance/brochures-forms.

Travel Insurance is provided by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145 AFSL 241713 (Cover-More) for CBA.

^~For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

Before making a decision on CBA Travel Insurance please read the CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide for more information.

Before activating the international travel insurance included in your CommBank credit card please read the Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.

If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023.

Before activating the international travel insurance included in your World Debit Mastercard, please read the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.

This information has been prepared without considering your objectives, financial situation or needs. You should, before acting on this, consider the appropriateness to your circumstances, which includes reading the relevant Product Disclosure Statement and other important disclosure documents available online.