Visa Gift Card Competition

Terms and Conditions

  1. These are the terms and conditions of the Visa Gift Card Promotion ('Promotion') that apply to any person seeking to enter the Promotion. Information on how to enter the Promotion forms part of these terms and conditions of entry.  Entry into the Promotion is deemed to be acceptance of these terms and conditions.
  2. The promoter is Medical Insurance Australia Pty Ltd (ABN 99 092 709 629) of Level 14, 70 Franklin Street, Adelaide SA 5000, ph 1800 777 156 (‘MIGA’).
  3. The Promotion commences at 9.00am (ACST) Monday, 2 September 2019 and ends at 5.00pm (ACDT) Friday, 28 February 2020 (‘Promotion Period’).
  4. Entry is open to:
    • Medical Students who are due to graduate from their university course in 2019 and either join MIGA as a student member before graduating and during the Promotion Period, or if an existing student member of MIGA confirm their contact details during the Promotion Period; and
    • Doctors commencing their internship during 2020 who join MIGA as an intern member during the Promotion Period.
    • Both categories of entrants must meet the conditions of clause 5 ('Eligible Entrants'). Entry is not open to MIGA employees, their immediate families and affiliated other parties.
  5. To enter, Eligible Entrants must:
    • Be a resident in Australia; and
    • Be aged 18 or over; and
    • Have correctly and fully completed and submitted to MIGA a Medical Student Insurance and Membership Application Form, an Intern Insurance and Membership Application Form or an update details form within the Promotion Period.
  6. Entry is limited to one entry per Eligible Entrant.
  7. MIGA is not responsible for any late, lost, incorrectly submitted, delayed, ineligible, incomplete or misdirected entry whether due to error or otherwise.
  8. The draw will take place at 10.00am (ACDT) on Tuesday, 31 March 2020 at MIGA’s Head Office at Level 14, 70 Franklin Street, Adelaide SA 5000.
  9. If there is a dispute concerning the conduct of the Promotion, the decision of MIGA will be final and no correspondence will be entered into.  The winner will be notified electronically to his or her email address as contained in their member record within two days of the draw date.  The prize will be mailed to the winner’s last known address.  The winner’s name will be published in the next issue of Focal Point immediately following the draw.
  10. There will be a total of four prizes issued. The first, second, third and fourth entries drawn from all Eligible Entrants will win a $500 Visa Load and Go Gift Card. The total prize pool is $2,000.
  11. The prize is not redeemable for cash and must be taken as stated.  The prize is subject to the terms and conditions of use.  No compensation will be payable if the winner is unable to use the prize as stated.
  12. The prize will be deemed unclaimed if MIGA is not reasonably able to contact the winner via the contact details provided at the time of entry.
  13. If the prize remains unclaimed, a second chance draw will be held at MIGA’s Head Office at Level 14, 70 Franklin Street, Adelaide SA 5000 at 10.00am (ACST) on Tuesday, 30 June 2020 subject to any written directions given under the applicable law.  The second chance winner will be notified electronically to their email address as contained in their member record within two days of the draw date and the prize will be mailed to their last known address.  The second chance draw winner’s name will be published in the next issue of Focal Point immediately following the second chance draw.
  14. MIGA and its related bodies corporate and its respective officers and employees will not be liable for any loss, damage or personal injury whatsoever (including but not limited to direct, indirect or consequential loss) which is suffered or sustained in connection with the Promotion, the promotion of the Promotion or the use of any prize, except for any liability which cannot be excluded by law.
  15. The prize winner must, on request by MIGA, be able to provide evidence which, to the reasonable satisfaction of MIGA, demonstrates that they are an Eligible Entrant and have complied with these terms and conditions.
  16. Entry details remain the property of MIGA.  By entering the Promotion entrants acknowledge that, should they win, their name may be used for promotional purposes by MIGA.  Eligible Entrants consent to MIGA using their contact details provided in connection with their MIGA membership and insurance for the purposes of facilitating the conduct of the Promotion and awarding any prizes.  For further information please see the MIGA Privacy Policy at
Authorised under NSW Permit No. LTPM/19/04823.

Insurance policies are issued by Medical Insurance Australia Pty Ltd.  MIGA has not taken into account your personal objectives or situation.  Before you make any decisions about our policies, please review the relevant Product Disclosure Statement (which can be found here) and consider your own needs.