1. Phoenix Health Fund’s (PHF) ‘Refer a Friend’ Promotion (the Promotion) is available to current members of PHF (Referring Member) on a combined hospital and extras cover, who refer PHF to new Members (New Member), and as a result of that referral, the New Member purchases a combined hospital and extras cover.
  2. A New Member is defined as a Member who has not previously been a Member of PHF, or has not been a Member of PHF for more than 6 months prior to re-joining.
  3. A Referring Member must be a current Member of PHF who has an existing policy with a status of ‘Financial’, that is, all premiums owing against the policy have been paid.
  4. Subject to satisfying all criteria listed in these Terms and Conditions, both the Referring Member and New Member may each be eligible to receive a $50 Gift Card (Gift Card).
  5. A Gift Card will be posted to the New Member approximately 6 weeks after the application’s nominated policy commencement date, at which time the New member’s policy status must be deemed Financial.
  6. A Gift Card will be posted to the Referring Member approximately 6 weeks after the commencement of the New Member’s policy, at which time both the New Member’s policy and the Referring Member’s policy must be deemed Financial.
  7. The New Member must not have cancelled a PHF policy within six (6) months prior to re-joining PHF.
  8. PHF reserves the right to deduct an amount equivalent to the value of the Gift Card provided, from any balance owing to the New Member, should they cancel their policy within six (6) months of joining or re-joining.
  9. PHF reserves the right to recover the value of the Gift Card paid to the New Member and the Referring Member, should the New Member or Membership be suspended or cancelled by PHF within the first three (3) months of the commencement of the policy.
  10. There is a limit of 1 Gift Card per New Member during their lifetime. Unlimited Gift cards are available to Referring Members who meet the eligibility requirements of this Promotion.
  11. Gift Cards will be delivered via post to the address listed on the Membership database for both the Referring Member and the New Member. PHF is not liable for lost, damaged or stolen Gift Cards and will not replace any Gift Cards in the event of loss, damage or theft.
  12. Gift Cards will be sent to the policy holder and not any other persons listed on the Membership.
  13. PHF may from time to time substitute or amend the reward for this Promotion. PHF reserves the right to cancel this Promotion at any time, without notice.
  14. This Promotion is only applicable to policies purchased directly from PHF. The Promotion is not available for policies purchased from third party sellers or aggregators.
  15. Employees and contractors of PHF, including their immediate family, are not eligible for this Promotion.
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