Australian Competitions Club

https://eshealth.com.au/

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Love your cover? Tell another!
We believe our members are our greatest advocates. That's why we are encouraging you to tell your eligible friends and family members about Emergency Services Health & Police Health.
Refer an eligible family member or colleague to join Emergency Services Health, or Police Health, and if they join before 31 January 2023, you and your referred member will have the chance to win both your premiums paid, by us, for a year! *
How it works
Refer an eligible person to join the Fund and not only will the new member go into the draw to win their policy premiums paid for a year, but whoever referred the winner will also win their premiums paid for a year!*

Simply have them quote your name and the code ‘REFER’ when joining before 31 January 2023. It’s that simple.

And keep in mind, for each new member that joins and mentions you recommended us, your chances to win increase.

So, now’s the time to spread the word about our cover like no other.

Who can I refer?

You can recommend our health fund to your colleagues and extended family.

Emergency Services Health is a private health insurer for current/former employees or volunteers from:

Fire response and recovery
Ambulance & medical response and recover (includes Allied Health)
Water response and recovery
State emergency response and recovery
Police Health is a private health insurer for current, retired and former police officers, police employees and volunteers of state, territory or federal police departments, police unions and associations in Australia.

Here’s a snapshot of which relatives are eligible to join Emergency Services Health/Police Health…



Win Your Premiums for a Year Terms and Conditions:
1. This offer is made by Police Health Limited ABN 86 135 221 519 trading as Police
Health and Emergency Services Health and is subject to the Terms & Conditions of
Entry (the ‘Promotion’).

2. The ‘Promotion’ commences on the 1 November 2022 at 9:00am ACDT and ends on
31 January 2023 at 4:45pm ACDT (‘Offer Period’). We reserve the right to alter or
change the conditions of the ‘Promotion’ at any time, or withdraw the offer at any
time, but not affecting referrals made under the ‘Promotion’ to that time, subject to
any written direction from a regulatory authority.

3. This offer is only available to members (‘insured persons’) who are registered as an
adult and aged 18 years or older who are on a current and financial Police Health or
Emergency Services Health, health insurance policy (‘eligible entrant’) who refer a
‘new member’ to Police Health Limited during the ‘Offer Period’ and the ‘new
member’ applies to purchase either a Gold Hospital or a Gold Combined or a Rolling
Extras health insurance policy (‘new policy’) within the ‘Offer Period’, and the
referred 'new member' becomes the Contributor of the new ‘new policy’, and
premium payment commences on or before 15 February 2023.

4. A ‘new member’ must be a person who has not been a Contributor of, or insured by,
Police Health or Emergency Services Health in the four months between 1 July 2022
and 1 November 2022 and the person becomes the Contributor, with their premiums
commencing on the ‘new policy’ on or before 15 February 2023.

5. For clarity, a ‘new member’ does not include any person who has come off of their
parent’s health insurance policy and purchased their own health insurance policy;
where there has been a change in health insurance cover; or where persons are added
to an existing health insurance policy such as where the health insurance policy
changes from a single policy to family policy or from a family policy to single parent
family policy, etc.

6. A person who is registered as an adult on a health insurance policy is a person who is
not registered as a child dependent on a health insurance policy. For clarity, a person
aged 18 years or older who is registered as a child dependent on a health insurance
policy is not an adult for the purposes of this ‘Promotion’.

7. The commencement date of the ‘new policy’ of the ‘new member’ must be on or
before 15 February 2023; and the ‘new member’ must be eligible to join Police
Health or Emergency Services Health and the application must be accepted by Police
Health or Emergency Services Health.

8. If a draw is scheduled on a weekend or a public holiday, or during a state instructed
lockdown as governed by the state, the draw will be conducted at the same time and
location on the following business day, or where legally possible. If there is a delay in
the draw of the competition due to a pandemic, or other unforeseen reasons, entries
will be advised by email.

9. To enter the ‘Promotion’, an ‘eligible entrant’ must complete the following steps
and meet the requirements of these Terms & Conditions of Entry and a) be insured on
a health insurance policy of Police Health Limited that is financial in the ‘Offer
Period’; and b) remain on a valid financial health insurance policy of Police Health
Limited as of 4:45pm ACDT on 31 January 2023. Entry by an ‘eligible entrant’ into
the ‘Promotion’ will be automatically recorded on purchase of a ‘new policy’ when a
‘new member’ uses the promo code ‘REFER’ and the Member Services Team
verifies with the ‘new member’ the referrer’s first and last name and that they are a
current ‘eligible entrant’ and an ‘insured person’ on a financial health insurance
policy of Police Health Limited.

10. There is one random draw (subject to clause 16) and two (2) ‘prizes’.
a) ‘Prize (1)’ is awarded to the, ‘new member’ (Winner 1) selected in the draw of
the ‘Promotion’ and who joined as the result of the referral by ‘Winner 2’. The
‘prize’ is the monthly payment, for a period of twelve (12) consecutive months, of
health insurance premiums towards the private health insurance policy of Police
Health Limited that ‘Winner 1’ is insured on at the time of payment by Police Health
Limited. This monthly payment of premiums must commence on or before 1 April
2023.
b) 'Prize (2)’ is awarded to the ‘eligible entrant’ (‘Winner 2’) who referred
‘Winner 1’. The ‘prize’ is the monthly payment, for a period of twelve (12)
consecutive months, of health insurance premiums towards the private health
insurance policy of Police Health Limited that ‘Winner 2’ is insured on at the time of
payment by Police Health Limited. This monthly payment of premiums must
commence on or before 1 April 2023.

11. For clarity, only one (1) ‘prize’ will be awarded to ‘Winner 1’ and only one (1)
‘prize’ will be awarded to ‘Winner 2’ and must be for a Police Health or an
Emergency Services Health private health insurance policy. The total value of the one
(1) ‘Winner 1’ ‘prize’ is up to $10,717.35 AUD and the total value of the one (2)
‘Winner 2’ ‘prize’ is up to $10,717.35 AUD (based on the most expensive private
health insurance policy available through Police Health Limited as of 1 October
2022).

12. If the ‘Winner 1’ or ‘Winner 2’ is on a health insurance policy that has its premiums
pre-paid in advance, the ‘prize’ will commence towards payment of premiums on the
health insurance policy of the winning member no later than 1 April 2023. Any
additional pre-paid premiums paid will be put forward and credited as future
premiums on the policy after the 12-month payment of premiums by Police Health
Limited has concluded.

13. The payment of premiums towards the health insurance policy on which the ‘Winner
1’ is insured will cease if the ‘Winner 1’, for any reason, ceases to be insured by
Police Health or Emergency Services Health. The payment of premiums towards the
health insurance policy on which the ‘Winner 2’ is insured will cease if the ‘Winner
2’, for any reason, ceases to be insured by Police Health or Emergency Services
Health. The payment of premiums for 12 months under the ‘prize’ for ‘Winner 1’
and the ‘prize’ for ‘Winner 2’ will cease after the period of 12 months from the
commencement of premium payments (which must commence on or before 1 April
2023), and will not be extended for any reason (such as for the suspension of the
health insurance policy) for that individual ‘Winner’.

14. Winning method: Draw: computerised random selection in the presence of an
independent scrutineer – 17 February 2023 at 02:30 pm ACDT using TPAL
ELECTRONIC DRAW SYSTEM Permit no. 1224. A random number will be
generated with the winning number correlating to the line entry of entry applicant for
‘Winner 1’ and correlate to the ‘Winner 2’ as the person recorded as the ‘eligible
entrant’ who referred them. No personal data will be exchanged with TPAL. The
draw will be conducted at Police Health Limited ABN 86 135 221 519, 320 King
William Street Adelaide, SA 5000.

15. ‘Winner’ notification: The ‘Winners’ will be contacted individually by phone and
email (winning confirmation email) within two (2) business days of the draw. The
‘Winners’ will be published in the next member Newsletter published on 17 March
2023.

16. Unclaimed ‘prize’: Each ‘prize’ must be claimed by each individual ‘Winner’ by
accepting the ‘prize’ by reply email to the ‘winning confirmation email’ on or
before 17 March 2023 at 02:30 pm ACDT. Reasonable endeavours will be made,
where possible to contact the individual ‘Winner 1’ and ‘Winner 2’. In the event that
there is an un unclaimed ‘prize’ for both ‘Winner 1’ and ‘Winner 2’ from the
original draw, then there will be a redraw for one (1) ‘prize’ for a new ‘Winner 1’
and one (1) ‘prize’ for a new ‘Winner 2’ (being the ‘eligible entrant’ who referred
the new ‘Winner 1’). In the event that there is an unclaimed ‘prize’ for either
‘Winner 1’ or ‘Winner 2’ (but not both), then there will be a ‘prize’ re-draw for that
one (1) unclaimed ‘prize’ where all the referring ‘eligible entrants’ and referred
‘new members’ are placed in the draw (that is, there will only be one (1) ‘prize’ for
the redraw, with all referrers and referee’s eligible for the single ‘prize’ draw). The
‘prize’ will be redrawn in the manner in clause 14 on 21 March 2023 at 02:30 pm
ACDT at Police Health Limited 320 King William Street Adelaide South Australia.
The ‘Winner’ of the redraw will be notified by phone and by ‘winning confirmation
email’ within two (2) business days of the redraw. The ‘Winner’ will be published in
the next member Newsletter April 2023 publication. The second redrawn ‘Winner’
must claim the ‘prize’ by accepting the ‘prize’ by reply email to the ‘winning
confirmation email’ on or before 30 March 2023 at 4:45 pm ACDT. In the event of
the second redraw ‘prize’ being unclaimed, the ‘prize’ will be forfeited, and the
‘prize’ will cease to be available.

17. The ‘Winner 1’ of a drawn ‘prize’ or the ‘Winner’ of a re-drawn ‘prize’ is
determined by chance. No entry fee is charged by the Police Health Limited to enter
the ‘Promotion’.

18. A ‘prize’ will be awarded to the ‘eligible entrant’ named in the entry by a ‘new
member’. Any entry must be made for an ‘eligible entrant’. If there is a dispute as to
the identity of an entrant or ‘Winners’, Police Health Limited reserves the right, in its
sole discretion, to determine the identity of the entrant or ‘Winners’.

19. All reasonable attempts will be made to contact the individual ‘Winner 1’ and
‘Winner 2’. If any ‘Winner’ chooses not to take the ‘prize’ (or is unable to), or does
not claim the ‘prize’ by the time specified by clause 16, or is unavailable, they forfeit
the ‘prize’ and Police Health Limited is not obliged to substitute the ‘prize’.

20. The value of the ‘prizes’ is accurate and based upon the recommended retail value of
the ‘prize’ (inclusive of GST) at the date of printing. Police Health Limited accepts
no responsibility for any variation in the value of the ‘prizes’ after that date.

21. No part of the ‘prize’ is exchangeable, redeemable for cash or any other ‘prize’ or
transferable.

22. This 'prize’ is allocated only to the ‘Winner’ of the ‘prize’, and is not transferrable,
should the individual ‘Winner’ cease to be insured by Police Health Limited, the
‘prize’ is not transferrable, and the ‘prize’ is forfeited.

23. Should the ‘Winner 2’ as a dependent decide to take out their own health insurance
policy, rather than the health insurance policy they are on, during the period for
payment of the ‘prize’, the ‘prize’ follows the individual ‘Winner’ to their new
health insurance policy with Police Health Limited for the remainder of the payment
period.

24. For the purposes of public statements and advertisements, Police Health Limited may
only publish a ‘Winner’s’ surname, initial and State/Territory of residence.

25. It is a condition of accepting the ‘prize’ that the ‘Winners’ may be required to sign a
legal acknowledgement of these Terms and Conditions of Entry as determined by
Police Health Limited in its absolute discretion, prior to receiving the ‘prize’.

26. No guarantee or warranty is given in addition to any relevant statutory guarantees and
warranties and nothing in these Terms and Conditions of Entry restricts, excludes or
modifies or purports to restrict, exclude or modify any statutory guarantees or
consumer rights under any applicable law including the Competition and Consumer
Act 2010 (Cth).

27. If for any reason any aspect of this ‘Promotion’ is not capable of running as planned,
including by reason of pandemic, epidemic, computer virus, communications network
failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any
cause beyond the control of the Police Health Limited, Police Health Limited may in
its sole discretion cancel, terminate, modify or suspend the ‘Promotion' and
invalidate any affected entries, or suspend or modify the ‘prize’, subject to State or
Territory regulation.

28. Police Health Limited reserves the right to disqualify entries in the event of noncompliance with these Terms and Conditions of Entry. In the event that there is a
dispute concerning the conduct of the ‘Promotion’, the decision of Police Health
Limited is final and binding on each entrant.

29. Police Health Limited accepts no responsibility for any tax implications and the
entrant must seek their own independent financial advice in regard to the tax
implications relating to the ‘prize’ or acceptance of the ‘prize’. If eligible and
registered for the Australian Government Rebate on private health insurance (Rebate),
the health insurance policy on which a ‘Winner’ and or Contributor is insured on will
be placed on Tier 3 (Rebate set as zero) for the duration of the 12 consecutive
monthly premium payment under the ‘prize’. Any eligible Rebate that is available to
the ‘Winner’, Contributor and/or partner/dependents on the health insurance policy
may be adjusted by the ATO upon lodgement of their tax return, and the affected
parties must seek independent financial advice on this matter. Police Health Limited
will contact the ‘Winners’ at least 30 days before the payment of the ‘prize’
premiums conclude and confirm with the ‘Winners’ and/or Contributor of the health
insurance policy what Rebate Tier they would like to resume on when their premiums
are payable by the Contributor of the health insurance policy.

30. This offer is not available to existing Police Health Limited members whose health
insurance policy is suspended or in arrears.

31. The purchase of a new health insurance policy by the eligible ‘new member’ must be
directly with Police Health or Emergency Services Health (by phone or through its
website) and not through an agent. The ‘new member’ must note the ‘Promotion’
code ‘REFER’ on the application form or disclose the promotion code to the Member
Services Officer at the point of sale for the member to be entered into the competition.

32. The Member Service Team will contact the ‘new member’ to confirm the details of
the referring Police Health and/or Emergency Services Health ‘eligible entrant’.

33. Employees and directors of Police Health Limited or their immediate family are not
eligible to participate in the competition.

34. This offer is not available in conjunction with any other promotional offer.

35. A current ‘eligible entrant’ insured by an Emergency Services Health, health
insurance policy can refer an eligible ‘new member’ to Police Heath and a current
‘eligible entrant’ insured by a Police Health, health insurance policy can refer an
eligible ‘new member’ to Emergency Services Health.

36. These Terms and Conditions of Entry are current as of 01/10/2022.
Permits: Authorised under: ACT Permit No. TP 22/01880; NSW Permit No. TP/00420; and
SA Permit No. T22/1543
Police Health and Emergency Services Health are brought to you by Police Health Limited
ABN 86 135 221 519. © Copyright Police Health Limited