Finder Rewards ING Health Insurance Promotion – Oct-Dec 2026 – Terms & Conditions

Up to $600 Digital Visa Card Offer

Finder is offering a digital Visa card to eligible customers who purchase eligible ING health insurance through the Finder Comparison Service ("Reward"), valued at:

• $600 for eligible combined hospital and extras cover; or
• $300 for eligible hospital-only cover.

This promotion is open to Australian residents aged 18 and over and runs from 21 October 2026 to 21 December 2026 ("Promotion Period"), unless withdrawn earlier. The Promotion is available while it remains visible on the Finder Comparison Service.

Terms & Conditions

1. Overview

The Promoter is Hive Empire Pty Ltd (ABN 18 118 785 121) ("Finder") of Level 10, 99 York Street, Sydney NSW 2000.

Finder provides customers with the ability to compare and switch health insurance policies through its website at www.finder.com.au ("Finder Comparison Service").

The Reward is provided and distributed by Finder's supplier, Blackhawk Network (Australia) Pty Ltd ("Blackhawk"). Blackhawk's terms and conditions and Finder's Privacy Policy apply to this promotion.

If you decide to purchase an ING health insurance policy using the Finder Comparison Service, please refer to ING's terms and conditions and privacy policy before making a decision. These Terms and Conditions are separate from, and do not form part of, ING's terms and conditions. Finder does not supply health insurance products and is not responsible for ING policies. You must contact ING directly for information about your policy.

Information on how to participate forms part of these Terms and Conditions. Participation constitutes acceptance of these Terms and Conditions.

2. Promotion Eligibility

Eligible Cover

The Reward is available to eligible customers who purchase the following ING health insurance cover during the Promotion Period:

• Combined hospital and extras cover – $600 Reward; or
• Hospital-only cover – $300 Reward.

To be eligible for the Reward, the eligible ING health insurance sale must be completed online in the same session after clicking through from the Finder Comparison Service, and the first payment for the policy must be made during the Promotion Period.

To be eligible, you must:

• Be an Australian resident aged 18 years or over.
• Create or hold a valid Finder member account.
• Complete a health insurance quote through the Finder Comparison Service.
• Click through from the Finder Comparison Service and complete the eligible ING health insurance purchase online in the same session.
• Complete the purchase between 21 October 2026 and 21 December 2026.
• Make the first payment for the eligible policy during the Promotion Period.
• Not have held an ING health insurance policy at any time during the six (6) months immediately preceding the purchase of the eligible policy.
• Meet any applicable ING eligibility requirements for the relevant health insurance product.
• Maintain the Eligible Cover without cancellation, suspension, downgrade or change to a non-eligible product until the Reward is ready to claim.
• Ensure premium payments are up to date.
• Comply with these Terms and Conditions.

The Reward does not apply to:

• Customers who are not Finder members.
• Policies purchased outside the Promotion Period.
• Policies where the sale is not completed online in the same session after clicking through from the Finder Comparison Service.
• Policies where the first payment is not made during the Promotion Period.
• Policies that do not include an eligible cover type specified in these Terms and Conditions.
• Policies purchased or completed via phone, webchat, online messaging or any other assisted channel.
• Corporate covers.
• Other non-eligible or excluded products as determined by ING.
• Customers who do not meet ING's eligibility requirements for the applicable product.
• Customers who held an ING health insurance policy at any time during the six (6) months immediately preceding the purchase of the eligible policy.
• Customers who cancel, suspend, lapse, downgrade or change their Eligible Cover before the Reward is ready to claim.
• Customers who are not up to date with premium payments when the Reward is ready to claim.
• Multiple Rewards for the same policy or policyholder.

3. Reward Fulfilment

Eligible customers will have their Reward ready to claim through their Finder Rewards dashboard on or before 21 April 2027, provided all applicable eligibility conditions in these Terms and Conditions have been satisfied.

Finder will notify eligible customers by email when their Reward is ready to claim.

4. Promotion Period

The Promotion Period commences at 12:00am on 21 October 2026 and ends at 11:59pm on 21 December 2026, unless withdrawn earlier.

The Promotion is available while it remains visible on the Finder Comparison Service.

5. General Participation Conditions

• Participation in the Promotion is subject to these Terms and Conditions.
• Customers are responsible for ensuring that they satisfy all eligibility requirements before purchasing an eligible ING health insurance policy.
• Finder may verify customer eligibility and information provided by customers with ING for the purpose of administering the Promotion.
• Finder is not responsible for any failure to track a purchase where a customer does not complete the purchase through the required Finder flow.
• Any costs associated with participating in the Promotion are the sole responsibility of the participant.

6. Reward Delivery and Claim

Making the Reward Ready to Claim

Once you have satisfied the applicable eligibility conditions, the Reward will be ready to claim through your Finder Rewards dashboard. Finder will notify you by email when the Reward is ready to claim.

Claim Window

You must claim the Reward through your Finder Rewards dashboard within six (6) months of the date the Reward becomes ready to claim. Finder will send at least one reminder during the Claim Window before the Reward is forfeited.

Discharge on Claim

When you claim the Reward through your Finder Rewards dashboard, Finder or Finder's designated supplier will transmit the Reward, whether a digital gift card code or other reward mechanism, to your registered email address or mobile telephone number. Finder's obligations under this promotion are discharged in full upon such transmission.

Failure to Claim

If you do not claim the Reward within the six-month Claim Window, the Reward is forfeited and Finder's obligation to provide the Reward is deemed satisfied and released. Finder is not obliged to make the Reward ready to claim again or to reissue the Reward.

Third-Party Terms After Transmission

Activation, redemption, replacement and use of the Reward following transmission are governed by the Reward terms and the terms of Finder's designated supplier, Blackhawk Network (Australia) Pty Ltd, available at https://blackhawknetwork.com/au-en/terms-use. Finder is not responsible for any failure by the customer to activate or redeem the Reward within the timeframes specified by the reward issuer, and Finder is not obliged to reissue any expired, lapsed or unactivated Reward.

7. Reward Conditions

• Eligibility is conditional upon meeting all applicable requirements outlined in these Terms and Conditions.
• Only one Reward is available per eligible customer per eligible product purchase, subject to the maximum total Reward of $600 per eligible customer.
• Rewards are not transferable or redeemable for cash.
• Finder reserves the right to withhold a Reward where eligibility conditions are not satisfied.

8. General Conditions

• Finder reserves the right to amend, suspend or cancel this promotion at any time without notice, subject to applicable law.
• Finder may verify participant eligibility and disqualify individuals who breach these Terms and Conditions.
• Any costs associated with participation are the sole responsibility of the participant.
• To the extent permitted by law, Finder is not liable for any loss or damage arising from this promotion, including technical, tracking or fulfilment errors.
• These Terms and Conditions are governed by the laws of New South Wales, Australia.

9. Privacy

• Finder may collect and share personal information with participating product providers and fulfilment partners for the purposes of administering this promotion.
• Personal information may also be used for research, analytics and marketing purposes where permitted, unless you have opted out.
• All personal information is handled in accordance with Finder's Privacy Policy.

10. Disclosures

• Finder does not recommend or endorse any particular health insurance provider or product.
• Customers should review all premiums, waiting periods, excesses, out-of-pocket costs, inclusions, exclusions, product terms and other applicable conditions before purchasing a policy.
• Finder may receive a commission if you sign up through the Finder Comparison Service.
• These promotions cannot be combined with other Finder promotions unless explicitly stated.

Support

If you believe you are eligible but your Reward is not ready to claim by 21 April 2027, please contact Finder's customer service using the email address associated with your Finder account.