Do insurers have to offer the same promotions to new and existing customers?  

No. Health insurers do not have to offer the same promotions to new and existing customers.  

Promotions for new customers are different to promotions for existing customers. 

To attract new customers, insurers might offer promotions such as discounts, services, waivers, gifts or other offers.  

To retain existing customers, insurers may offer reduced premiums of up to 12% per year on an ongoing basis if you meet certain conditions. These include: 

• Meeting certain payment conditions, such as prepaying at least 3 months in advance, paying by payroll deduction or paying by pre-arranged automatic transfer from a bank account or other financial institution 

• Agreeing to communicate with the insurer via electronic means 

• Belonging to a contribution group, meaning a group of members approved under the relevant insurer’s rules, such as a workplace, but could be any group of members as defined by the insurer.