Up to 30KQFF Points for Joining Qantas Life Insurance HT: Ozbargain

[petercr]

It's s very good ethical question.

I know a long time ago QFF partnered with ANZ for a similar deal and at the time I took your reasoning as I was after the points, not a claim.

And if they link it to a QFF membership (which is the only way they could have called me), they're going to catch you out if there's any porkies in the information provided.

 

[Cynicor]

And if they link it to a QFF membership (which is the only way they could have called me), they're going to catch you out if there's any porkies in the information provided.

We're talking about your medications and illness history here. Obviously you can't change your age. But people forget their medical history all the time.

 

[petercr]

Unless I misread it, there seemed to be a few people in the thread using the same age and occupation details which may or may not match their QFF membership. Wasn't meaning your post specifically...

 

[NoName]

Unless I misread it, there seemed to be a few people in the thread using the same age and occupation details which may or may not match their QFF membership. Wasn't meaning your post specifically...

It's impossible to give a fake age on the application as it's taken directly from your QFF account.

 

[QF WP]

Out of curiosity, why bother giving any accurate details of your medical history? If you are just after the points wouldn't you give them enough info to lower the quote price?
Obviously if you claimed there would be a potential issue but who is actually going to keep it after 2 months?

We're talking about your medications and illness history here. Obviously you can't change your age. But people forget their medical history all the time.

Probably because fraudulent non-disclosure (as alluded in your first post) as well as innocent non-disclosure (as alluded to in your second post) are both against the common law Duty of Disclosure as outlined in the PDS.

In the event of a claim under any insurance policy, the client's full Medicare records are obtained and compared against the details disclosed in the application and any subsequent information gathered from the client. The insurer is entitled to avoid the claim and refund the premiums paid. Would this really be worth the angst generated against the insured or their beneficiaries for 30K QFF points.

In addition, it may give rise to QFF cancelling their account (would have to delve deeper into the T&C's and would have been set out in the agreement between TAL and QF). Again, not somewhere I'd like to go.

I would recommend against anybody following this course of action.

 

[AnnaB]

Out of curiosity, why bother giving any accurate details of your medical history? If you are just after the points wouldn't you give them enough info to lower the quote price?
Obviously if you claimed there would be a potential issue but who is actually going to keep it after 2 months?

Good question... I guess I was just being honest and didn't think about it until it was too late.... now I realise I should just have said nothing but way too late now .

 

[Danger]

Correct, there are general exclusions for claims paid if you travel to these countries (or intentionally commit suicide within 13 months of policy commencement) as well as a number of other standard exclusions. See Page 15 "What isn't Covered" of the PDS here: https://www.qantasassure.com/life-insurance/pds

As opposed to accidentally committing suicide which is a real and genuine danger when you're drunk.

 

[QF WP]

As opposed to accidentally committing suicide which is a real and genuine danger when you're drunk.

Correct, as that is deemed an "accidental" death or "death by misfortune", as there is no reasoning to a Coroner that it was intentional...and they do go into a persons background to try and assess state of mind prior etc.

My former business had a client who "disappeared" and to my knowledge, the insurer has yet to pay out as they have yet to declare him dead (7 years IIRC)

 

[Longtoo]

if you have signed up, don't forget to get the QF Assure app. You get a few QQF points each day for walking. not much but they back dated my points since i first installed the app. this means 1.5KQFF for me this morning even though I have only reinstalled the app last Thursday. Much better than the silly Red Planet!

 

[BriarFlyer]

Longtoo, just to clarify: you're getting the walking points after signing up for the life policy as opposed to health insurance?

 

[Longtoo]

Longtoo, just to clarify: you're getting the walking points after signing up for the life policy as opposed to health insurance?

I got the walking points within 1 week of signing up, backdated to when I installed the app some time ago. I understand that the 30KQFF bonus will come 2 months later.

 

[Cynicor]

Note QF WP that you are talking about a claim. I'm talking about giving them 2 months premiums for some points, and then cancelling. I suggest that in my line of work I know as well as you do how insurance companies operate with pre-existing conditions. Possibly better, even, as I do the damn forms.

Probably because fraudulent non-disclosure (as alluded in your first post) as well as innocent non-disclosure (as alluded to in your second post) are both against the common law Duty of Disclosure as outlined in the PDS.

In the event of a claim under any insurance policy, the client's full Medicare records are obtained and compared against the details disclosed in the application and any subsequent information gathered from the client. The insurer is entitled to avoid the claim and refund the premiums paid. Would this really be worth the angst generated against the insured or their beneficiaries for 30K QFF points.

In addition, it may give rise to QFF cancelling their account (would have to delve deeper into the T&C's and would have been set out in the agreement between TAL and QF). Again, not somewhere I'd like to go.

I would recommend against anybody following this course of action.

 

[exceladdict]

In case you forget, someone may call you tomorrow to enlist you. They called me after I have already signed up.

Thanks for the reminder! I need to call to confirm mine too.

Well, I did forget. I will call today and ask if I'm still eligible for the points as I did the online form during the promo period, and was expecting a callback - did anyone get a screenshot?

 

[samh004]

In the event of a claim under any insurance policy, the client's full Medicare records are obtained and compared against the details disclosed in the application and any subsequent information gathered from the client. The insurer is entitled to avoid the claim and refund the premiums paid. Would this really be worth the angst generated against the insured or their beneficiaries for 30K QFF points.

As mentioned below, if you're in it for the points and not to make a claim, they would never compare your records. The policy would be cancelled after 2 months and that'd be that.

Does the law provide for the insurance company to be able to check your Medicare records even if there isn't a claim? I would have thought they'd be private until there was a reason for them not to be.

Note QF WP that you are talking about a claim. I'm talking about giving them 2 months premiums for some points, and then cancelling. I suggest that in my line of work I know as well as you do how insurance companies operate with preexisting conditions. Possibly better, even, as I do the damn forms.

if you have signed up, don't forget to get the QF Assure app. You get a few QQF points each day for walking. not much but they back dated my points since i first installed the app. this means 1.5KQFF for me this morning even though I have only reinstalled the app last Thursday. Much better than the silly Red Planet!

Even better, if you have been using the app for health insurance, as I have, the points you earn from each activity are doubled. After I cancel I may consider signing up again for a more realistic policy to:

1. Properly cover me against any mishaps; and
2. Keep earning a slew of points every day/week.

 

[Pleb Status]

Not being 'completely accurate' on your QF Assure application may come back to bite you if you happen to use the same insurance underwriter again.

I note that the QF Assure life underwriter (TAL) is the same underwriter that is used by the provider of my superannuation insurance policies. So the underwriter already knows my medical history etc if they were to look it up and I would not want to raise 'any questions' if I was to claim on my far larger superannuation policies.

 

[samh004]

Not being 'completely accurate' on your QF Assure application may come back to bite you if you happen to use the same insurance underwriter again.

I note that the QF Assure life underwriter (TAL) is the same underwriter that is used by the provider of my superannuation insurance policies. So the underwriter already knows my medical history etc if they were to look it up and I would not want to raise 'any questions' if I was to claim on my far larger superannuation policies.

For the avoidance of all doubt, if I was to cancel and re-sign up it would only be to include the extras I removed from the current insurance, not to change any personal details. As an example, moving from the minimum $100k to something a bit more fitting, say $500k+.

 

[love_the_life]

I just hate it when businesses call you when you have been on their websites checking things out. Had a missed call on my mobile so checked the number - it was Qantas Assure. I presume they were calling because I had a look at the promotion but because I am retired I was only going to end up with 10,000 points for quite a bit of money outlaid. They did the same thing when I had a look at what the health insurance was like. The number has now been blocked so they shouldn't annoy me again!

 

[EestiTiger]

I just hate it when businesses call you when you have been on their websites checking things out. Had a missed call on my mobile so checked the number - it was Qantas Assure. I presume they were calling because I had a look at the promotion but because I am retired I was only going to end up with 10,000 points for quite a bit of money outlaid. They did the same thing when I had a look at what the health insurance was like. The number has now been blocked so they shouldn't annoy me again!

Even worse is when you go onto their website multiple times, resulting in them calling you, multiple times! I locked in a policy on Friday and even had another call today from them!

 

[love_the_life]

Even worse is when you go onto their website multiple times, resulting in them calling you, multiple times! I locked in a policy on Friday and even had another call today from them!

That would have have been sooooo annoying. I would have been getting a little short with them I think.

 

[exceladdict]

Even worse is when you go onto their website multiple times, resulting in them calling you, multiple times! I locked in a policy on Friday and even had another call today from them!

They seem to have the problem at both ends. I was promised a callback twice and never got any. Has anyone called you asking for exceladdict instead of ozmatt?