Your Choice Extras Health Cover - Bupa

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Your Choice Extras

 
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Includes:

  • Hospital $0.0
  • Extras $0.0
  • Pharmacy Saver (weekly) $0.45

Features at a glance

Hospital Cover
  NO COVER
Extras Cover
      MEDIUM
back on extras*
Price is based on cover for: Family00 years old, StateChange
Assumes no Lifetime Health Cover loading and [rebate] government rebate included. Price may vary if details change.

*For most items at Members First providers, covering dental, optical, physio and chiro services. Annual maximums and waiting periods apply.

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About this cover

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Your Choice Extras gives you the freedom to choose whichever four services you want from our comprehensive list. For example, if you're a sportsperson then physiotherapy, chiropractic, optical and natural therapies may be the right extras for you. And as your life and needs change, you have the flexibility to change your selected services every 12 months.

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Extras

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You can choose four services from those listed below. You can change these selections once every 12 months. The 12 month waiting period for major dental and orthodontics still applies each time you select these services.
General Dental General Dental

General Dental

General dental treatment includes services such as:

  • Your regular 6 monthly examination, scale & clean and fluoride treatment
  • X-rays
  • Mouthguards
  • Fillings (those done directly in the mouth – like Amalgams and white composite fillings)
  • Simple extractions
  • Surgical extractions (such as removal of impacted wisdom teeth)

Please refer to the full policy details to determine what is covered.

Benefits are only payable for services provided by dentists and dental specialists in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $700.00
Year 2 $840.00
Year 3 $980.00
Year 4 $1,120.00
Year 5 $1,260.00
Year 6+ $1,400.00

 
Major Dental Major

Major Dental

Major dental treatment includes services such as:

  • Periodontal treatment (treatment of gum disease)
  • Complex oral surgery
  • Root Canal Therapy (Root Treatment)
  • Fillings (those that have to be made outside the mouth e.g. in a laboratory or by a special machine)
  • Crowns and bridges
  • Implants
  • Dentures (false teeth)

Please refer to the full policy details to determine what is covered. Waiting periods may apply.

Benefits are only payable for services provided by dentists and dental specialists in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

 Waiting Period
12 months
Loyalty Maximums
  Per person
Year 1 $500.00
Year 2 $600.00
Year 3 $700.00
Year 4 $800.00
Year 5 $900.00
Year 6+ $1,000.00
Orthodontics Major

Orthodontics

Orthodontic treatment includes the use of devices like “braces” to change the position of teeth and the jaws.

Please refer to the full policy details to determine what is covered. Waiting periods may apply. Some levels of cover only include orthodontics if treatment is required as a result of an accident after joining.

Benefits are only payable for services provided by dentists and dental specialists in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

 Waiting Period
12 months
Loyalty Maximums
  Per person
Year 1 $450.00
Year 2 $540.00
Year 3 $630.00
Year 4 $720.00
Year 5 $810.00
Year 6+ $900.00
Lifetime limit $1,300.00
Living Well Living Well

Living Well

Our Living Well services include courses and programs which help you to live a healthier life.

These include:

  • Gym memberships*
  • Yoga and Pilates courses*
  • First aid courses
  • Nicotine replacement therapy
  • Weight management programs

*Your doctor will need to complete the Living Well form to confirm the program is medically necessary for your health.

 Waiting Period
6 months
Annual Maximums
  Per person
Every year $100.00
Optical Optical

Optical

Optical services are provided on prescription from an optometrist and include:

  • Frames
  • Prescription Lenses
  • Contact Lenses
  • Certain lens coatings

Please refer to the full policy details to determine what is covered.

Benefits are only payable for services provided by optometrists and optical dispensers in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing treatment.

 Waiting Period
2 months
Annual Maximums
  Members First Non-Members First
Every Year $260.00 $180.00
Antenatal, Postnatal and Physiotherapy Antenatal, Postnatal and Physiotherapy

Antenatal and Postnatal

Antenatal and postnatal services include:

  • Antenatal Sessions or Courses
  • Attendances following the birth related to feeding difficulties

Benefits can only be claimed for sessions and courses provided by registered midwives who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Benefits are not payable for courses or sessions that are paid for by Medicare Australia.

Physiotherapy

 Physiotherapy involves the treatment and rehabilitation of people with movement disorders and other physical disabilities.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by physiotherapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

 Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $450.00
Year 2 $540.00
Year 3 $630.00
Year 4 $720.00
Year 5 $810.00
Year 6+ $900.00
A sub-limit of $350 per person per calendar year applies for Antenatal and Postnatal services
Chiropractic and Osteopathy Chiropractic and Osteopathy

Chiropractic and Osteopathy

Chiropractic deals with the relationship between the spine and pelvis and the nervous system (which controls how they function). The bones of the spine are manipulated, based on the premise that disease is caused by interference with nerve function.

Osteopathy deals with the structure of the body and the way it functions. It uses massage and stretching techniques to improve the function where needed.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by chiropractors and osteopaths who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

 Waiting Period
2 months
Loyalty Maximums
  Per person Per membership
Year 1 $350.00 $500.00
Year 2 $420.00 $600.00
Year 3 $490.00 $700.00
Year 4 $560.00 $800.00
Year 5 $630.00 $900.00
Year 6+ $700.00 $1,000.00

Speech, Eye and Occupational Therapy

 Speech Therapy, Eye and Occupational Therapy

Speech Therapy

Speech therapy is the assessment and treatment of people who have a communication disability. Communication disabilities are the result of problems with speech, using and understanding language, voice, fluency, hearing, or reading and writing.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by speech therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Eye Therapy

Eye therapy is a physical therapy for the eyes and brain that develops eye coordination and treats a number of common visual problems e.g. crossed eyes, lazy eye, and double vision.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by eye therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Occupational Therapy

Occupational therapy is the training of people with physical injury or illness, psychological or social disability or learning problems with the aim that they can work and live by themselves and lead a relatively normal life, despite their disabilities.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by occupational therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

 

 Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $400.00
Year 2 $480.00
Year 3 $560.00
Year 4 $640.00
Year 5 $720.00
Year 6+ $800.00
Natural Therapies Natural Therapies

Natural Therapies

Natural therapies may complement or offer alternatives to conventional medical treatment. They include therapies such as Acupuncture, Alexander Technique, Chinese Herbalism, Western Herbalism, Exercise Physiology, Feldenkrais, Naturopathy, Homoeopathy and Iridology.

“Massage” includes benefits payable for Aromatherapy, Bowen Technique, Kinesiology, Reflexology, Shiatsu and Therapeutic massage.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for services provided by Natural Therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

 Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $500.00
Year 2 $600.00
Year 3 $700.00
Year 4 $800.00
Year 5 $900.00
Year 6+ $1,000.00
A sub-limit of $100 per person per year applies for massage.
Pharmacy Pharmacy

Pharmacy

Pharmacy covers you for prescription items that aren't already covered by the Government Pharmaceutical Benefits Scheme (PBS), provided its usage is approved by the Therapeutic Goods Administration (for that particular condition) and not mentioned in our exclusions list. There are some items that aren't covered by our Pharmacy benefits. They include:

  • over the counter items
  • non-prescription items
  • weight loss medication e.g. Duromine (some weight loss drugs are covered under the Living Well programs)
  • body enhancing medications e.g. anabolic steroids, and
  • erectile dysfunction medication

When you visit a pharmacy to get a prescription, you pay for the full amount up-front. When you make a claim, you cover the amount equal to the maximum contribution set by the Government under the PBS. We'll pay the remaining balance up to the set amount you're entitled to under your level of cover.

 Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $300.00
Year 2 $360.00
Year 3 $420.00
Year 4 $480.00
Year 5 $540.00
Year 6+ $600.00
Emergency Ambulance services Emergency ambulance services

Emergency ambulance services

Cover for ambulance services varies dependent on the provisions of your state of residence. Please refer to the full policy details to determine what is covered.

 Waiting Period
No waiting period

Singles = 1 service

Couples = 2 services

(per calendar year)

What's covered

With extras cover, you can claim benefits for those services listed on your cover and that are not claimable elsewhere (e.g. from a third party like Medicare).

For example, Medicare does not provide benefits for:

  • most dental examinations and treatment
  • most physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology services
  • acupuncture (unless part of a doctor’s consultation) or other natural therapies
  • glasses and contact lenses
  • most health aids and appliances
  • home nursing.

Extras cover allows you to claim benefits for extras services as long as:

  • the treatment is given by a private practice provider who is recognised and registered with us for benefit purposes they meet the criteria set out in our policies and Fund Rules.
  • We recommend you contact us before making a booking to confirm how much you can claim and to check that your chosen provider is registered with us.

What's not covered

Extras benefits will not be payable:

  • during a waiting period
  • where a third party, including Medicare, a Government body, or an insurance company provided a benefit (except for hearing aids and breast prosthesis items)
  • for different services within the same service type from the same provider on the same day. For example, if you went to see an acupuncturist and then received a massage from the same provider on the same day, you cannot claim for both services
  • when a prescribed treatment is not fully custom made (e.g. orthotics, surgical shoes)
  • when a provider is not recognised by us for benefit purposes
  • for any treatment or service rendered outside Australia
  • when you have reached the maximums on your product including annual, lifetime or service limits for the service you are claiming.

Waiting periods

A waiting period is the time between when you joined us, or transferred to a higher level of health cover, and when you are covered for a service or treatment on your new level of cover.

If you are a new member and receive a service or treatment during this time, you are not eligible to receive a benefit payment from us, regardless of when you submit the claim.

If you are transferring to us from another Australian health fund, once we have received confirmation of your previous membership and level of cover, you will continue to be covered for all benefit entitlements that you had on your old cover, as long as these services are offered on your new cover with us. This is referred to as `continuity of cover. To receive continuity of cover, you will need to transfer to us within 60 days of leaving your old fund.

If you are an existing member, or a transferring member, and have changed to a higher level of benefit, you may be covered on your previous level of cover or on our nearest equivalent to your previous cover with your old fund.

Waiting periods apply to all levels of cover. Please refer to the full policy details to determine the waiting periods that apply to your level of cover.

The following waiting periods apply for extras cover:

  • initial waiting period – two months
  • hire, repair and maintenance of health aids and appliances; and Living Well Programs – six months
  • major dental, orthodontics, selected health aids and appliances – 12 months
  • laser eye surgery, covered only under Ultimate Health Cover - three years.

For more Extra options visit the Extras Cover page

Find more Bupa health insurance by Life Stage: Singles Health Insurance, Couples Health Insurance, Family Health Insurance, Single Parents Health Insurance

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Add Pharmacy Saver

Enjoy savings on your pharmaceutical and health care purchases all year round at National Pharmacy stores. With Pharmacy Saver, you'll receive a 20% discount on a variety of health-related products. View details >

Pharmacy saver

Add Pharmacy Saver to your extras cover and enjoy savings on your pharmaceutical and health care purchases all year round at National Pharmacies stores. You'll get a 20% discount on a variety of health-related products.* Pharmacy Saver is not available for prescriptions on which the Government does not allow discounts. Visit a National Pharmacies store for more information.

* These are products designed to manage or prevent diseases, injuries or a condition, or prescribed in connection with an episode of hospital treatment

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Member Exclusives

Member exclusives include a range of discounts and deals from specially selected partners to help you enjoy some health and wellness perks at an affordable price. Whether you're interested in fitness and sports or rest, relaxation and travel, you can choose what suits your needs from our range of partner discounts. Full terms and conditions of all offers are available in the Member Exclusives section of myBupa.

 

Payment

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Download Product Summary

30-DAY COOLING OFF PERIOD

We're confident you'll be happy with your cover, however if you decide to cancel, we'll refund any premiums you have paid within the first 30 days of your membership commencing provided you haven't made a claim.

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