Insurance

^ Offer commences on 5 December 2023 and ends on 30 June 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 June 2024 you do not hold and are not insured under, nor have you in the 2 months prior to 1 June 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 an eligible Combined Hospital and Extras policy or Hospital Only policy issued by AIA Health that commences between 1 June 2024 and 31 July 2024 (Eligible Policy). The Premium Cashback Offer and Awards Bonus points Offer exclude Extras Only products, Silver Plus Family Hospital and Gold Hospital, either as standalone or combined products, 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 Offer

The premium cashback offer is available to Eligible Customers who purchase an Eligible Policy between 1 June 2024 and 31 July 2024 (‘Offer Period’). You must have paid for and held an Eligible Policy for each of the qualifying periods. You will be entitled to receive a maximum of 10 weeks of premium refunds across Year 1 (4 weeks cashback), Year 2 (3 weeks cashback) and Year 3 (3 weeks cashback) for eligible Combined Hospital and Extras policies and a maximum of 4 weeks of premium refunds over Year 1 for eligible Hospital Only policies.

Qualifying Period 1: For Eligible Policies purchased between 1 June 2024 and 30 June 2024, you must have held and paid for your Eligible Policy for a continuous period up to 7 October 2024 or for Eligible Policies purchased between 1 July 2024 and 31 July 2024, you must have held and paid for your Eligible Policy for a continuous period up to 4 November 2024, you will then be reimbursed the equivalent of 4 weeks of premiums as a cash back to your nominated bank account within 14 business days of meeting the criteria.

Qualifying Period 2: For Eligible Policies purchased between 1 June 2024 and 30 June 2024, you must have held and paid for your Eligible Policy for a continuous period up to 7 July 2025 or for Eligible Policies purchased between 1 July 2024 and 31 July 2024, you must have held and paid for your Eligible Policy for a continuous period up to 4 August 2025, and you have AIA Vitality Silver Status or above at the time of fulfilment, you will then be reimbursed equivalent of 3 weeks of premiums as a cash back to your nominated bank account within 14 business days of meeting the criteria.

Qualifying Period 3: For Eligible Policies purchased between 1 June 2024 and 30 June 2024, you must have held and paid for your Eligible Policy for a continuous period up to 6 July 2026 or for Eligible Policies purchased between 1 July 2024 and 31 July 2024, you must have held and paid for your Eligible Policy for a continuous period up to 3 August 2026, and you have AIA Vitality Silver Status or above at the time of fulfilment, you will then be reimbursed equivalent of 3 weeks of premiums as a cash back to your nominated bank account within 14 business days of meeting the criteria.

Please read the terms and conditions here for more details.

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

Bonus CommBank Awards Points Offer

Offer is available to CommBank Awards customers who purchase an Eligible Policy as an Eligible Customer. CommBank Awards customers may earn up to a bonus 20,000 Awards Points for an Eligible Combined Hospital and Extras Policy and up to a bonus 17,500 Awards Points for an Eligible Hospital Only policy. All policies must be purchased via Netbank. Please view the Bonus Awards Points table at commbank.com.au/healthinsurance for more details. 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 credited your Bonus Awards Points within 60 days of meeting the terms of eligibility. We are reliant on the information provided to us by AIA Health whether you qualify for the Bonus Points offer. If you haven’t received your Bonus Points after meeting the eligibility criteria’s above, contact the CommBank Awards team on 13 1661, 8am-8pm Monday to Friday (Sydney/Melbourne time). The earning and redemption of CommBank Awards Points are subject to the CommBank Awards Program Terms and Conditions. Awards and the number of points required for Awards are subject to change at any time without notice.

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.