Guess based on past cases

Confirm the details only if you are 100% sure, otherwise refer them to the fund

Tell them all policies cover all treatments

Say it’s probably covered and they can check later

The customer lives in QLD

There is no ambulance cover on the policy

There is comprehensive ambulance cover provided on the policy

^{You should always talk about Ambulance cover}

Please proceed with the application and fix it later

Use a different person's Medicare number

Estimate the expiry date to proceed

Pause the application and instruct the customer to update their Medicare with Services Australia

To ensure customers receive accurate information and ethical sales practices are followed

To help insurers increase sales through marketing strategies

To regulate how insurers compete in the market

To create more policy options for consumers

Using plain language to explain policy details

Telling a customer a policy has “full dental” without explaining limits

Advising the customer to read the brochure

Recommending a Basic or Bronze policy for a low-income customer

If I earn over $101k as a Single and don't hold Health Insurance, I pay between 1-1.5% of my taxable income towards Medicare

Every day you hold onto a Hospital Insurance Policy is another day where MLS is not applied if you earn over the Taxable Income Thresholds

As a single income, you earn $98,000 you need Hospital cover to avoid MLS

You can claim PHI as a tax deduction to lower your taxable income and then avoid the MLS

Only when you sell a customer

Only when you quote or sell a customer

Whenever you have a conversation with a customer

Whenever the customer has said something

When completing the Application but before Payment details

Prior to an application being commenced

At the end of the call during a Compliance Checklist

During the Needs Analysis

Someone who the primary member has said it's ok to complete it with.

When we are speaking to a POA and we have received confirmation that they are a legal representative

We can complete the Verbal AGR with the person we've being speaking to throughout the whole call, the Primary Member doesn't need to be present

The Primary member is the only person I can complete the verbal AGR with*

Provide the lowest-priced product immediately

Ask questions to ensure the product still meets their needs

Offer optional add-ons for value

Let them call back when they’re ready

Policies are mostly the same

The fund will clarify it anyway

Each policy is unique and benefits vary, which may cause misrepresentation

Most customers don’t remember their old policy anyway

They will be able to save 1% extras Tax when purchasing a Hospital policy

Explain the difference between the Medicare Levy and the Medicare Levy Surcharge and that they will still pay 2% towards the Medicare Levy

Explain that each day they hold a Hospital policy they will no longer have to pay the Medicare Levy

There is nothing that needs to be said at all, this is a trick question

Email it anyway

Ask a couple of basic details and send one based on past experiences

Book a time to complete needs analysis 

Use a generic quote

To avoid any potential payout

To avoid any bad word of mouth

To ensure the customer does not cancel or complain

To ensure ItsMy Group delivers the best experience possible