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Special Offer for December
Apply online today to be eligible for a 25% Cash Bonus, a $100 New World Gift Card (minimum premium required) and 3x Airpoints Dollars™.
25% Cash Bonus details
$100 New World Gift Card details
3x Airpoints Dollars™ details
Plus, get a 10% Discount every year for any policy which includes either Life Cover for two people or Life Cover for one person plus at least one other eligible benefit (minimum cover and premium criteria apply).
Life + One 10% Discount details
If you take out a policy through KiwiCover by 31 December 2018, we will make an up-front, lump sum cash payment to you equal to 25% of your total first year’s premiums. Your Cash Bonus will be credited to your bank account on the day your policy is issued.
For example, if your premium is $50 per month, your Cash Bonus will be $150, which is equal to 25% of your annual premiums ($50 × 12 months × 25% = $150).
1. To be eligible for a 25% Cash Bonus, the following criteria must be met:
i. An application for a Sovereign TotalCareMax insurance policy (e.g. Life Cover, Living Assurance, Progressive Care, Income Protection, Total Permanent Disablement, Family Protection) must be submitted online to KiwiCover no later than 31 December 2018;
ii. If the application is for the replacement of an existing Sovereign policy (or benefit), only the increase in premium (if any) over and above the premium for the existing Sovereign policy (or benefit) that is being replaced will be eligible for the Cash Bonus; and
iii. A resulting policy must be issued by Sovereign on or before 28 February 2019.
2. Sovereign Private Health policies are not eligible for the Cash Bonus.
3. The Cash Bonus will be calculated on your total first year’s premiums for the policy, including any policy fee and any premium loading, and will be paid up-front in full when your policy is issued.
4. The Cash Bonus will be paid in the first year of the policy only, and not in subsequent years.
5. The Cash Bonus will be credited to the specified bank account for premium payments for the policy, or if you have specified a credit card for premium payments, to a bank account which you nominate.
6. If the policy is discontinued for any reason before 12 months’ premiums for the policy have been paid, you must immediately repay the Cash Bonus to us in full.
7. Sovereign, its employees and agents, and KiwiCover, its employees and agents, are not liable for any claims, damages, injuries, costs and expenses suffered, sustained or incurred (including but not limited to those which are indirect or consequential) as a result of, or arising out of, or in any way connected with this promotion.
8. KiwiCover reserves the right (subject to any applicable law) to vary, suspend or terminate this promotion and these Terms and Conditions at any time.
9. In these Terms and Conditions “Sovereign” includes Sovereign Assurance Company Limited and Sovereign Services Limited, “KiwiCover”, “we” and “us” means KiwiCover Insurance Limited, and “you” and “your” means the policy owner(s) of the policy.
If you take out a policy through KiwiCover by 31 December 2018, we will send you a $100 New World gift card. Your gift card will be mailed to you within 21 days from the date on which your policy is issued.
1. To be eligible for a $100 New World gift card, the following criteria must be met:
i. An application for a Sovereign TotalCareMax or Private Health insurance policy must be submitted online to KiwiCover no later than 31 December 2018;
ii. The application must not be for the replacement of an existing Sovereign policy (or benefit);
iii. A resulting policy must be issued on or before 28 February 2019;
iv. The policy must have a premium of no less than $300.00 per annum ($25.00 per month, $11.54 per fortnight, $5.77 per week) including any policy fee, but excluding any per mille loading; and
v. The policy must be in force with no outstanding premiums at the time the gift card is due to be sent.
2. There is a limit of one gift card per policy, irrespective of how many individuals are insured on the policy. The gift card will be mailed to you at the correspondence address specified for the policy within 21 days from the date on which your policy is issued, separately from your policy document pack. No replacement gift card will be issued if the gift card is lost or stolen.
3. If the policy is discontinued for any reason before 12 months’ premiums for the policy have been paid, you must immediately return the unused gift card to us or repay the face value of the gift card to us in full if it has been used by you or by any other person.
4. Sovereign, its employees and agents, and KiwiCover, its employees and agents, shall not be liable for any claims, damages, injuries, costs and expenses suffered, sustained or incurred (including but not limited to those which are indirect or consequential) as a result of, or arising out of, or in any way connected with this promotion.
5. Use of the gift card is subject to any additional terms and conditions specified by New World including, but not limited, to expiry dates.
6. KiwiCover reserves the right (subject to any applicable law) to vary, suspend or terminate this promotion and these Terms and Conditions at any time.
7. In these Terms and Conditions “Sovereign” includes Sovereign Assurance Company Limited and Sovereign Services Limited, “KiwiCover”, “we” and “us” means KiwiCover Insurance Limited, and “you” and “your” means the policy owner(s) of the policy.
If you take out a policy through KiwiCover by 31 December 2018, you will receive a 10% discount on your premiums every year for as long as your policy is in force, provided that your policy includes:
The policy must have a total premium before the 10% discount of no less than $89.49 per month ($41.31 per fortnight or $20.66 per week).
1. You will receive a 10% discount, on the usual applicable premium payable (excluding any policy fee and any per mille loading), on all benefits issued under the policy, for the life of those benefits.
2. To be eligible for the discount, the following criteria must be met:
i. An application for a Sovereign TotalCareMax insurance policy must be submitted online to KiwiCover no later than 31 December 2018;
ii. A resulting policy must be issued on or before 30 January 2019;
iii. The policy must include at least one Life Cover benefit of $100,000 or greater;
iv. The policy must include either Life Cover for two people or Life Cover for one person plus at least one other TotalCareMax benefit (e.g. Living Assurance, Progressive Care, Income Protection, Total Permanent Disablement, Family Protection);
v. The policy must have a total premium before the 10% discount of no less than $89.49 per month ($41.31 per fortnight or $20.66 per week) including the policy fee but excluding any per mille loading.
vi. The application must not be for the replacement of an existing Sovereign policy (or benefit); and
vii. The application must not be for a Special Events Increase or a Future Insurability Increase under an existing policy;
3. Increases in cover under an existing policy will only be eligible if the benefits are issued under a new policy and all lives insured and benefits under the new policy have been fully underwritten.
4. Sovereign Private Health policies are not eligible for the discount.
5. Sovereign reserves the right to decline any application or exclude any eligible policy at its reasonable discretion. Sovereign will not be liable for any policy and/or benefits which are declined, excluded, not proceeded with or not issued during the eligible period due to Sovereign’s application review and underwriting processes.
6. Sovereign reserves all contractual rights under its policies to amend underlying premium rates to which the discount applies.
7. The discount will not be applied to any existing policies or benefits owned by you.
8. This discount promotion is being run by Sovereign Services Limited with its head office at 74 Taharoto Road, Takapuna, Auckland.
9. All questions regarding eligibility for this promotion, these Terms and Conditions, or any dispute which arises in connection with this promotion should be addressed to Sovereign for resolution. Sovereign will have the final decision should any dispute arise. Sovereign’s decision is final and no correspondence will be entered into, including in the event of a dispute. Failure by Sovereign to enforce any of its rights does not constitute a waiver of those rights.
10. Sovereign, its employees and agents, and KiwiCover, its employees and agents, shall not be liable for any claims, damages, injuries, costs and expenses suffered, sustained or incurred (including but not limited to those which are indirect or consequential) as a result of, or arising out of, or in any way connected with this promotion.
11. Sovereign reserves the right (subject to any applicable law) to cancel, terminate, modify or suspend this promotion and/or these Terms and Conditions at any time.
12. In these Terms and Conditions “Sovereign” includes Sovereign Assurance Company Limited and Sovereign Services Limited, “KiwiCover” means KiwiCover Insurance Limited, and “you” and “your” means the policy owner(s) of the policy.
Buy or hold an eligible Sovereign insurance policy between 30 November 2018 and 28 February 2019 and earn 3x Airpoints Dollars™ on premiums paid for 3 months from first premium payment.
