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Please refer to the Important Information (PDF, 339Kb) and our Fund Rules (PDF 179Kb) for more information and to see how these definitions may apply to you.

Overseas Visitors can find more information or in our overseas working visitors rules (PDF, 462 KB) or overseas non-working visitors rules (PDF, 444 KB).

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An accident is an unforeseen event, occurring by chance and caused by an unintentional and external force or object resulting in involuntary hurt or damage to the body, which occurred in Australia, which requires, within 72 hours of the event, medical advice or treatment from a registered practitioner other than the policy holder and, if necessary, any further medical treatment where such admission (including any readmission) or treatment must be within 180 days of the event.

Annual maximum

See 'yearly limit'.

Australian Government Rebate on private health insurance

A means tested rebate that can reduce the cost of health insurance.

Australian Medical Association (AMA)

A group representing and protecting the rights of registered doctors and medical students in Australia.

AMA fee

See the schedule of medical fees published by the Australian Medical Association (AMA).



The amount you’ll get back when you claim for a recognised service.

Benefit Bonus

A loyalty feature rewarding members for continuous time on Silver, Gold & Platinum Extras. Benefits increase 2% every year, to a maximum of 10%.

Bupa Medical Gap Scheme

An arrangement between Bupa and medical providers giving you certainty of what you will pay. It can help reduce or eliminate your out-of-pocket medical costs. The provider bills us directly and if there is a gap, the provider will ask you for payment. Read more.



A complaint as defined by the Australian Complaint Handling Standard ISO AS 10002-2014 is an "expression of dissatisfaction made to or about an organisation, related to its products, services, staff or the handling of a complaint, where a response or resolution is explicitly or implicitly expected or legally required"


A person who makes a complaint about any of Bupa’s products or services.


If your cover has a co-payment, this is the amount you agree to pay each day towards the cost of your hospital stay, for up to five days.


Day surgery/facility

A place you are admitted for treatment (eg private hospital) when you’re admitted and discharged on the same day.



A serious and unexpected situation requiring immediate action.


An excess is a one-off payment you make each calendar year if you need to go to hospital. You need to pay this before you are admitted to hospital and before we will cover the rest of the hospital costs that your policy includes. You will have agreed on what this amount is when you chose your level of cover and can find it on your product information sheet, available by logging in to myBupa.

An excess is paid once per person and not paid again by the same person, even if you change to a new Bupa cover in that same calendar year, unless you increase your new cover to a cover that has a larger excess than what you paid previously. In that case, you’d only pay the difference between the smaller and higher excess if you were to be admitted to hospital again that year. Other conditions apply.


Things you can’t claim for because they’re not included in your cover.

Extras cover

Also called 'ancillary' cover, it's for non-hospital services that Medicare may not pay a benefit for – eg dental, optical, physio.


Family in-hospital benefit

A benefit to help cover meals and accommodation (provided by and in the hospital) for a relative or carer when they need to stay in hospital with you.

Fixed fee

A daily fee a small number of Network hospitals will charge, which you’ll have to pay. It’s different (and in addition) to a co-payment or excess.

Fund Rules

Means the Fund Rules of Bupa Australia Pty Ltd which you agree to upon taking out a health insurance policy with us. They are available at on this website at Bupa fund rules (PDF, 1.8mb)



The amount you need to pay when your treatment costs are higher than Medicare and/or your cover allows.


Hospital cover

Covering your costs when you’re admitted to hospital, including benefits for prosthesis and medical services provided during your hospital stay.


Informed Financial Consent

The written approval a provider should get from you on any out-of-pocket costs before your treatment.


You’re an inpatient when you’ve been formally admitted to hospital (does not include treatment in a hospital emergency department).


Lifetime Health Cover (LHC)

Lifetime Health Cover loading is paid when you don’t take out hospital cover before 1 July following your 31st birthday – it goes up 2% a year, to a maximum of 70%. Any loading that applies will be removed after you’ve held hospital cover continuously for 10 years.

Lifetime limit

The total amount you can claim on a service in your lifetime.

Loyalty maximums

After your first year of membership, we increase how much you can claim for most extras services by a set percentage or amount.


Medical cover

Cover for medical services provided by surgeons and specialists during a hospital stay including diagnostics services such as pathology and radiology.

Medical gap bonus

A dollar bonus available on Ultimate Health Cover & Ultimate Corporate Health Cover that we give you each year, accumulating to help pay for any in-hospital medical gaps.

Medicare Benefits Schedule (MBS)

Set benefits for specified medical services that the Government will pay for through Medicare.


Australia’s public healthcare system for all citizens and most permanent residents. It provides free or subsidised cover for certain healthcare services.

Medicare Levy Surcharge (MLS)

A surcharge that applies to people earning over a certain income when an appropriate level of hospital cover is not held.

Member Exclusives

A selection of offers and discounts you receive as a Bupa member.

Members First

There are both Members First Hospital providers and Members First Extras providers. Read more.

Members First - Extras

Our network of dental, optical, physiotherapy and chiropractic practitioners who provide most services at a set price to members (sometimes with no out-of-pocket costs). Read more.

Members First – Hospitals & Day Facilities

Private hospitals that Bupa has arrangements with to provide treatment for members with some additional benefits like the private room offer and maternity care package (where applicable).

Members First day facilities are private hospitals that guarantee you will have no hospital or medical out of pocket costs (apart from any co-payment or excess). Read more (PDF, 300Kb).

Minimum benefit

A low benefit payable on some hospital services that is likely to result in you having large out-of-pocket costs.


Natural therapies

Alternative treatments that we cover, including acupuncture, naturopathy and remedial massage.

Network hospitals

Private hospitals that Bupa has arrangements with, to make sure in most cases you’re covered for hospital costs. Read more (PDF, 300Kb).



The difference you have to pay between the Bupa benefit and what is charged by a provider.


Treatment when you're not admitted to hospital (eg emergency room treatment, specialist or GP consults).


Packaged cover

Both extras and hospital cover.

Pre-existing conditions

A pre-existing condition is any condition, ailment or illness that you had signs or symptoms of during the six months before you joined or upgraded to a higher level of cover with us. It is not necessary that you or your doctor knew what your condition was or that the condition had been diagnosed.

If you knew you weren't well, or had signs of a condition that a doctor would have detected (if you had seen one) during the six months prior to joining or upgrading, then the condition would be classed as pre-existing.

A doctor appointed by us decides whether your condition is pre-existing, not you or your doctor. The appointed doctor must consider your treating doctor's opinion on the signs and symptoms of your condition, but is not bound to agree with them.

Private Health Insurance

An insurance product for which a premium is paid to provide hospital cover outside of the public system and /or cover for services not covered by Medicare such as physiotherapy, optometry, general dental and podiatry services.

Private Room

Private Room means, for the purposes of a private room in a public hospital, a room in a hospital which:

(a) is purpose built and suitable for no one other than a single admitted adult patient;
(b) holds one single sized bed; and
(c) has a dedicated ensuite.


A doctor, hospital, healthcare professional or healthcare facility that provides a service to you (the patient).



Any treatment given to you by a provider who is recognised by Bupa (this is a provider who has met Bupa’s recognition criteria).

Service limit

The maximum number of times you can use a service and receive benefits from us.

Set benefits

A set amount you’ll get back for treatment from a provider outside of the Members First ancillary network.

Schedule fee

See Medicare Benefits Schedule (MBS) published by Medicare.


Top-up bonus

A dollar bonus we give you each year to help pay for any 'extras' gaps.


Yearly limit

The maximum you can claim in a calendar year, depending on your cover. Sometimes referred to as an 'annual maximum'.


Waiting periods

A period of time where you won’t receive any benefits from us for treatment received.

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The government now income tests the rebate on private health insurance. One way you can save up-front is to claim the rebate as a reduction on your premium, would you like to do that now?
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The Government offers all Australian residents who are entitled to Medicare benefits an income-tested rebate on their private health insurance.
Join hospital and extras by 30 November and get up to $200 worth of New Balance vouchers