(before any rebate, loading or discount)
Covers 2 adults (and no-one else)
Available in NSW & ACT
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
Employees of organisations with arrangements with this health insurer
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.
Co-payments: No co-payments
Waiting periods:
For accommodation we pay up to $50 per night to a limit of $150 per person per trip. Benefits are payable per return trip. Eligibility criteria apply. Contact Bupa for more information.
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
An affordable package with comprehensive hospital to help protect you or your family. For more details on the product contact Bupa.
We have agreements with a network of dental practitioners, chiros & physios across Australia called Members First providers. By using them, in most cases you’ll receive up to 90% back, up to yearly limits. See http://www.bupa.com.au/find-a-provider.
| Note, for items marked with an asterisk *: Periodic oral examination (012), Scale & Clean (114), Fluoride treatment (121) payable once every 6 months. Pharmacy benefit paid after current PBS patient contribution deducted. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $350 per person up to $700 per policy | Periodic oral examination - $24.00 Scale & clean - $52.50 Fluoride treatment - $15.00 Surgical tooth extraction - $107.75 |
| Optical | 2 | $150 per person up to $300 per policy | Single vision lenses & frames - $150.00 Multi-focal lenses & frames - $150.00 |
| Non PBS pharmaceuticals* | 2 | $100 per person up to $200 per policy | Per eligible prescription - $50.00 |
| Physiotherapy | 2 | $350 per person up to $700 per policy (combined limit for physiotherapy, chiropractic, ante-natal/post-natal classes, osteopathy & other services) | Initial visit - $38.50 Subsequent visit - $30.50 |
| Chiropractic | 2 | Initial visit - $39.00 Subsequent visit - $25.00 | |
| Acupuncture | 2 | $100 per person up to $200 per policy (combined limit for acupuncture, remedial massage, chinese medicine & exercise physiology) | Initial visit - $28.00 Subsequent visit - $22.00 |
| Remedial massage | 2 | Initial visit - $27.50 Subsequent visit - $26.50 | |
| Ante-natal/Post-natal classes | 2 | Combined limit - see Physiotherapy | Initial visit - $17.50 Subsequent visit - $17.50 |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $18.40 Subsequent visit - $18.40 |
| Exercise physiology | 2 | Combined limit - see Acupuncture | Initial visit - $21.45 Subsequent visit - $18.40 |
| Health management / Healthy lifestyle | 6 | $50 per person up to $100 per policy | Health management - 50% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $49.00 Subsequent visit - $45.50 |
| Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice. | |||
| Blood glucose monitors | Major dental | Psychology |
| Endodontic | Orthodontic | Other treatments - check with your insurer |
| Hearing aids | Podiatry |
Includes other value features such as an Accident Benefit if hospitalised, that helps pay for your hospital excess or that you can use to boost limits on your Extras cover. For more, see Important Information Guide at bupa.com.au
In NSW & ACT this policy provides:
Emergency: Unlimited with no waiting period.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
You are covered for the uncapped costs associated with emergency ambulance transport services (via air or road) including on-the-spot emergency attendances where the service is provided by a Bupa recognised ambulance service. The following ambulance services are recognised by Bupa: ACT Ambulance Service, Ambulance Service of NSW, Ambulance Victoria, Queensland Ambulance Service, South Australia Ambulance Service, St John Ambulance NT, St John Ambulance WA, and Ambulance Tasmania. If you are eligible to claim from another source, a benefit won’t be paid by Bupa.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.