Terms of Use

This website “Website” is owned and operated by DJP Health (ABN 76 399 081 216). In these terms of use we, our, us means DJP Health.

Acceptance to Terms of Use

This Website assists you to get information, quote and buy Health Insurance products for Overseas Visitor & Overseas Students from our participating health funds. Your access and use of this Website is conditional that you acknowledge and agree to these Terms of Use (Website Terms and conditions).

You must not use services provided on this Website if you do not agree with these Terms of Use.

From time to time, we may make amendments to these Terms of Use hence we recommend every user to refer to these Terms of Use every time you use this Website. Amendments to these Terms of Use are effective on the day it is made available on this Website. Your subsequent use of this Website means that you have acknowledged and accepted the amendments to these Terms of Use.

These Terms of Use forms the agreement between you and us in relation to your access and use of this Website and supersedes any prior agreements (including any previous terms of use of this Website).

DJP Health Services and Fees

We provide services on this Website that allows you to find health insurance products for Overseas Visitors and Overseas Students, health insurance information provided on this Website are from the participating health funds only, and we do not provide information of all products for Overseas Visitors and Overseas Students available in the market. The Participating Health Funds and Insurance products can vary from time to time. Users are directed to health fund’s website to make a purchase of health insurance or users requested to provide details of policy holder name, date of birth, passport number, visa details, residential address (Australian & Overseas) as well as authorised person’s name, mobile number, date of birth and email address, user to also provide credit card detail for us to set up policy on their behalf. Users do not purchase health insurance on this Website.

Information provided on this Website or on email as requested on this Website by user is not advice or opinion or recommendation and does not reflect to your personal circumstances and needs. It is recommended to refer to relevant Product Disclosure Statements (PDS) before making purchase of the product. We provide links on this Website to other health funds website for you to access more information or we may provide you attachments of Product Disclosure Statements.

This Website is intended to be used for finding and getting understanding of health insurance from participating health funds and facilitating of purchase, we are not in a capacity to bind any participating health funds that they sell any product to you.

All product prices are in Australian dollars.

We do not charge you any service fees in respect of services (providing information and facilitation of purchase of Health Insurance products for Overseas Visitors & Overseas Students) provided on this Website. We are provided with the commission when you use our service to purchase product from participating health funds. In respect to Heath Insurance products for Overseas Visitors & Overseas Students from participating health funds available on this Website, we act as an agent of the participating health fund.

Privacy Policy

We respect privacy of users of this Website. We may ask you to provide your personal information so we can provide you with the service. Please visit our Privacy Policy available on this Website to find out how your personal information may be used.

Use and Access of this Website

This Website must be used for personal use only unless agreed upon in writing with us.

You are not permitted use this Website and services provided in any manner which is in breach of any laws.

You agree that any information provided by you on this Website will be true, accurate and complete.

Register Personal Account, Policy Details and Member benefits

This Website permits you to register you and create a personal account. You may be given options to select standard username and password, which then are to be used to sign in and access your personal account. User’s username and password will be referred as Login Details.

In all instances, you agree that

Your Login Details must be used by you only if you create a personal account on this Website.

You are responsible for maintaining the confidentiality of your Login Details and for any activity including any Transactions that occur on your account.

Any breach of these Terms of Use under your Login Details will be treated as a breach by you.

You will notify us immediately by email in writing of any unauthorised use of your Login Details or any other security breach to your account.

We will not be liable for any loss you may incur as a result of unauthorised use of your Login Details.

You shall not use any Login Details other than your own or access personal account of another user at any time. We may disable or close your account at any time if find any suspicious activities or unauthorised use of your Login Details. We will endeavour to notify you suspension or closure of your account using contact details provided at the time of registering personal account.

Policy details entered including uploaded policy document to your account may get verified with health funds in relation to check its validity. You agree that you are responsible for the accuracy of contents entered by you and maintain it unless contents are provided by us. We take no responsibility of accuracy of contents including accuracy or validity of uploaded policy document or in any other way about any content entered by you on this Website. We reserve all rights to remove part of or in full, any content entered by you. We endeavour to inform you of our action but are not obliged to do so. Content that may be removed are not limited to below:

  • Any invalid entry (part of or in full)

  • Expired Policy

  • Cancelled Policy

  • Policy not purchased by use of our services

Member benefits are only available to verified members.

Intellectual property

We have the copyrights for any contents available on this Website and contents are owned by us. DJP Health word and associated logos and symbols available on this Website are our trademarks.

User may only view and use the Website for personal use and not for commercial purpose unless agreed upon prior with written consent with us. Any other use, copying, duplication, amendments and distribution or publication in any form of any content available on Website is prohibited unless agreed upon prior with written consent with us.

Liability

We make no warranties, express or implied about adequate quality, suitability for a specific purpose, consistency, security, correctness, accuracy and completeness of this Website, its content and services provided.

We take all due care within our limits and capacity that, this Website and its content and accurate and free of any errors. You agree that your access of this Website and any actions on this Website are done at your own risk and we accept no liability for any losses arise as a result.

We make no warranties that the Website will be free from viruses, or that you will have uninterrupted access to this Website.

You agree that we will not be liable in any event for any loss of incidental, indirect, consequential damages, lost profits or data as result of use of this Website or its content or inability to use this Website.

We provide number of third party external links on this Website that may take you to external websites for you to get further information that may need for you to make your decision to purchase relevant health insurance product. In no event we warrants of the accuracy, correctness and completeness of information available on external websites. You agree that we will not be liable for any loss, damage, cost or expense arising as result of your actions, access or attempt of access on external websites.

Indemnity

You agree to indemnify DJP Health and (DJP Health corporate bodies and personnel) for any loss suffered or incurred as a result of following:

  • Your breach these terms of use

  • Your use and access of this Website

  • Your use of information supplied on email from DJP Health

Governance

These Terms of Use are governed by the laws of New South Wales, Australia.

Specific Terms

When we purchase health insurance for you from our online portal and set up policy:

You agree to authorise us as an authorised person (agent) to request to purchase health insurance for you from our participating health funds.

You agree to check the details on health insurance policy documents including (not limited to) policy holder details e.g. name, date of birth, policy start and finish date, policy type or level of cover, supplied by us and advise us of any errors found as soon as practically possible. You understand that not having correct details of policy holder as per their travel & visa document may incur cost or expense or delay in providing benefits. You agree that we will not be liable for any loss, damage, cost or expense and delay in providing benefits from relevant health funds arising as result of this.

When payment is requested to be made by us, we need you to complete transaction of amount quoted to our nominated account and provide us with the receipt. We will process and set up policy once funds are cleared and visible to our nominated account.

By purchasing and paying for a policy via this Website, we warrant you are the authorised holder of the credit card used for payment and/or have express consent of the authorised credit card holder to make the relevant purchase and payment.

This Website provides information about products offered, including inclusions & exclusions, benefits and terms of product, provided information is general only and does not represent comprehensive comparison of each product. You agree that you have read and understood the product before making purchase and should you require further clarification please speak to relevant Health Funds.

We disclaim that we are not registered health funds or any related health service provider that provides health related services. We do not guarantee that your selected health funds can provide its obligation in full in relation to health insurance you may purchase via this Website.

You can have access to discounts and offers as Members benefits via this Website. We are not the service providers for them. We do not guarantee that service provider can provide its obligation in full in relation to any purchase you may have made via this Website.

We may extend our assistance to you to facilitate refunds from the health fund for the health insurance you may have purchased via this Website. We may seek confirmation from you and or relevant health fund to find if health insurance policy has sold under our agency name before extending our assistance.