Flare Health Insurance Prize Draw Q42026

Terms and conditions

General:  

1. These terms and conditions apply to all entrants who participate in the Flare Health Insurance Prize Draw” promotion (“Promotion”). Participation in this Promotion is deemed acceptance of these terms and conditions. The “Promoter” is Flare HR Pty Ltd (ABN 46 607 120 892) located at 2/309 Kent St, Sydney NSW 2000, telephone: 1300 352 734.

Promotional Period

2. The Promotion begins on Thursday, 1 October 2026 at 12:01am (AEST) and ends on Thursday, 31 December 2026 at 11:59pm (AEDT) (“Promotional Period”).

Eligibility Criteria  

3. Entry is only open to Australian residents aged 18 years or older.

Ineligible Entrants

4. Employees (and their immediate families) of the Promoter (or MYOB Group Co Pty Ltd and its subsidiaries) and any agencies associated with this Promotion are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de facto spouse, parent, child, or sibling (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or cousin.
5. Winners of any promotions conducted by the Promoter within the previous three (3) months before the commencement of this Promotion are ineligible to enter.

Entry into the Promotion  

6. To enter and receive one (1) automatic entry into the draw, eligible entrants must take out a combined Hospital and Extras private health insurance policy through the Promoter from an Approved Promoter Pathway (defined below) during the Promotional Period. An “Approved Promoter Pathway” is a Promoter-owned or Promoter-managed digital entry point, campaign landing page, employee benefits experience, email or push campaign link, the Promoter’s app, or other approved Promoter health insurance acquisition channels.
7. Once an eligible entrant has made an enquiry for combined Hospital and Extras private health insurance, the eligible entrant may be serviced by either the Promoter or the Promoter’s health insurance partner Compare Club.
8. To remain eligible, eligible entrants must still hold the combined Hospital and Extras private health insurance policy at the time of the draw and winner verification. Combined Hospital and Extras health insurance policies that are cancelled during any cooling-off period, are declined, voided, not activated or not paid will not be eligible and are excluded from this Promotion.
9. Only one (1) entry is permitted per person.
10. The Promoter reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who the Promoter has reason to believe has breached any of these terms and conditions, tampered with the entry process or engaged in any unlawful or other improper misconduct calculated to jeopardise fair and proper conduct of the Errors and omissions may be accepted at the Promoter’s discretion. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. The Promoter’s legal rights to recover damages or other compensation from such an offender are reserved.
11. Entrants consent to the Promoter using their name, likeness, image and/or voice in the event they are a winner (including photograph, film and/or recording of the same) in any media for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome), and promoting any goods or services manufactured, distributed and/or supplied by the Promoter.

Prize Details:  

12. The first two (2) randomly drawn eligible entries will each receive a cash prize of AUD$5,000 in the form of an electronic funds transfer (“EFT”) into the winner’s nominated Australian bank account, 30 days after the prize has been claimed by a winner.
13. Subject to the unclaimed prize draw clause, if for any reason a winner does not take a prize at the time stipulated by the Promoter, then the prize will be forfeited.
14. Total prize pool value is AUD$10,000.
15. Winners are responsible for providing full and accurate bank details. The Promoter will not be responsible for incorrect details being provided, a banking institution rejecting an EFT payment, or any costs associated with locating any lost monies.

Draw Details 

16. The winners will be determined by a random computer-generated draw conducted at 10:00am (AEDT) on 27 January 2027 at Anisimoff Legal, Level 3/162 Collins Street, Melbourne VIC 3000. The Promoter may draw additional reserve entries and record them in order in case an invalid entry or ineligible entrant is drawn.
17. The Promoter takes no responsibility for the accuracy of contact details provided by entrants.
18. Incomplete or indecipherable entries will be deemed invalid.
19. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
20. The Promoter’s decision is final and no correspondence will be entered into.
21. Participants acknowledge that if they are not selected as a winner or if their entry is deemed ineligible for any reason, the Promoter will not be liable for any loss, damage, or expense incurred as a result. The outcome of the Promotion does not alter or affect any existing contractual obligations the entrant has under a health insurance policy with the Promoter, which shall remain in full force and effect.

Winner Announcement  

22. The winners will be notified by email and phone on 3 February 2027, and their details (first initial, surname and postcode) will be published at https://www.flarehr.com/health-insurance on 3 February 2027. Eligible entrants are responsible for ensuring their contact details are correct and accurate to be contacted via the provided email address and/or phone number.

Claiming a Prize  

23. Winners of the original draw must claim their prize by 9:59am (AEDT) on 3 March 2027 by confirming receipt of the notification by return email or during the notification telephone call, and providing their full bank account details. Winners (if any) of the unclaimed prize draw must claim their prize by 17 March 2027.

Right to Redraw  

24. The Promoter reserves the right to redraw in the event of an entrant being unable to satisfy these terms and conditions or forfeiting or not claiming a prize. For any prize that remains unclaimed at 9:59am (AEDT) on 3 March 2027, a second draw will be conducted at 10:00am (AEDT) on 3 March 2027 at Anisimoff Legal, Level 3/162 Collins Street, Melbourne VIC 3000, subject to any written direction given under applicable law. The winners, if any, will be notified by email and phone using the details provided with the winning entry on 10 March 2027 and the redraw winners’ details (first initial, surname and postcode) will be published at https://www.flarehr.com/health-insurance on 10 March 2027.

Liability

25. Nothing in these Terms and Conditions limits, excludes or modifies or purports to limit, exclude or modify the statutory consumer guarantees as provided under the Competition and Consumer Act, as well as any other implied warranties under the ASIC Act or similar consumer protection laws in the States and Territories of Australia (“Non-Excludable Guarantees”). Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) excludes all liability (including negligence), for any personal injury; or any loss or damage (including loss of opportunity); whether direct, indirect, special or consequential, arising in any way out of the Promotion.
26. Except for any liability that cannot by law be excluded, including the Non-Excludable Guarantees, the Promoter (including its respective officers, employees and agents) accepts no liability and is not responsible for any loss, including indirect or consequential losses arising from an entrant’s entry into the Promotion (including arising from negligence or ineligibility), entrant’s claim of a prize (including any late, lost, or misdirected claims, or any tax liability incurred in claiming the prize), any technical difficulties or equipment malfunction (whether or not under the Promoter’s control), any theft, unauthorised access or third party interference, any variation in prize value to that stated in these terms and conditions, any tax liability incurred by the winner or entrant, or the entrant’s use of a prize.
27. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of the Promoter, including but not limited to technical difficulties, unauthorised intervention or fraud, the Promoter reserves the right, in its sole discretion, to the fullest extent permitted by law: (a) to disqualify any entrant; or (b) subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion, as appropriate.
28. In the event of war, terrorism, state of emergency, pandemic or any other kind of disaster, the Promoter reserves the right to cancel, terminate, modify or suspend the Promotion or suspend, substitute or modify a prize, subject to any written directions from a relevant regulatory authority.

Privacy Statement 

29. The Promoter collects personal information from entrants when they enter this Promotion and may collect further information from entrants if they win or if required by gaming and lottery legislation. The Promoter will publish winners’ names in accordance with these terms and conditions. The Promoter collects this information for the purposes of this Promotion and to promote their products and services to entrants. Entrant’s personal information may be disclosed to the Promoter and its subsidiaries, personnel, and entities involved in running this Promotion or delivering the prize, regulators of gaming and lotteries activities (where applicable), or other parties required by law. Without this information, entrants cannot participate in the Promotion or win the prize. The Promoter’s Privacy Policy, which can be found at https://www.flarehr.com/privacy-policy, contains important information about how they collect, hold, use, and disclose personal information, the security of entrant’s personal information, and how entrants can make a complaint. Unless otherwise indicated by the Promoter, the Promoter may disclose personal information to entities outside of Australia (for a list of the countries, see the Promoter’s Privacy Policy), and cannot guarantee that any overseas recipient will not breach the Australian Privacy Principles. By entering the promotion entrants consent to the overseas transfer on these terms as permitted by the Australian Privacy Principles and agree that the Promoter is not liable in this regard. If entrants do not wish to receive Promotional material from the Promoter or would like a copy of the Promoter’s Privacy Policy, please contact us at 1300 352 734, visit https://www.flarehr.com/privacy-policy or email [email protected].

ACT Permit No. TP26/02104. SA Permit No. T26/1599.