Disclaimer

1. General Information Disclaimer

Information published on Policy Direct is provided for general information and educational purposes. It is intended to help visitors explore insurance categories, providers and available pathways but is not a substitute for reviewing the current information issued by the relevant insurer, product issuer, government authority or other provider.

2. No Personal Financial, Legal or Migration Advice

Unless expressly stated otherwise, content on the Policy Direct website does not take into account your personal objectives, financial situation or needs and should not be treated as personal financial advice, legal advice or migration advice.

Before acting on information on this website or purchasing an insurance product, you should consider whether the product is appropriate for your circumstances, read the relevant policy and product information, and obtain professional advice where appropriate.

3. Insurance Products and Providers

Unless expressly stated otherwise, Policy Direct is not the insurer or product issuer for insurance products displayed or discussed on this website. Insurance cover is provided by the relevant insurer or product issuer and is subject to that provider's eligibility requirements, underwriting, policy terms, limits, exclusions, waiting periods and other conditions.

Policy Direct does not guarantee that every insurer or insurance product available in Australia is displayed on this website. The providers, products and pathways shown may change from time to time.

4. Visa and Health Insurance Information

Policy Direct contains information about health insurance commonly relevant to Australian visa holders, including information relating to visa subclasses and visa health insurance requirements. This information is general in nature and is not migration advice.

Australian visa requirements, conditions and government policies can change. You should confirm current visa requirements with the Australian Department of Home Affairs or obtain advice from an appropriately qualified professional where necessary. An insurer's product availability does not itself guarantee that a policy satisfies every requirement applicable to your individual visa circumstances.

5. Prices, Premiums, Offers and Promotions

Premiums, indicative prices, discounts, promotional offers and other benefits displayed on Policy Direct may change without notice and may be subject to eligibility criteria and provider terms.

Unless expressly stated otherwise, prices displayed on Policy Direct are not binding quotations. The premium, eligibility, promotion and policy terms confirmed by the relevant insurer or provider at the time of quotation or purchase apply.

6. Affiliate and Referral Disclosure

Policy Direct may have commercial arrangements with some insurers or external insurance platforms. Some links on this website are referral or affiliate links, and Policy Direct may receive a commission, referral fee, affiliate payment or other benefit from eligible activity or purchases made through those links.

Not every provider or product in the market is necessarily represented on Policy Direct. Commercial arrangements may influence which providers are available through our referral pathways, so you should consider the relevant product information and your own circumstances before making a decision.

7. Third-Party Websites

Policy Direct provides links to websites operated by insurers and other third parties. These websites are outside our control. We are not responsible for their content, security, availability, privacy practices or subsequent changes.

When you follow an external link, the third party's own terms, privacy policy, product information and conditions apply.

8. Accuracy and Currency of Information

We aim to provide useful and reasonably current information, but insurance products, premiums, promotions, provider terms and visa-related requirements can change. We do not warrant that all information on Policy Direct will always be complete, accurate, current or free from error.

If information on Policy Direct differs from information currently published or provided by an insurer, product issuer, government authority or other authoritative source, you should rely on the current information from that authoritative source.

9. Limitation of Liability

To the maximum extent permitted by law, Policy Direct does not accept liability for loss or damage arising solely from reliance on general information on this website, use of or inability to use a third-party website, changes to third-party products or offers, or decisions made by an insurer or other external provider.

Nothing in this Disclaimer is intended to exclude, restrict or modify any consumer guarantee, right or remedy that cannot lawfully be excluded, restricted or modified under the Australian Consumer Law or other applicable law.

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