At Bupa, we’re committed to helping our members live longer, healthier and happier lives. As one of Australia's largest and most innovative private health insurance funds, we offer a wide range of affordable cover options that give Australian residents and migrants more features and benefits to help you find a healthier you.
Corporate Health Plans
By joining up to a Bupa corporate health plan you are able to take advantage of great offers and discounts specifically negotiated for your company. If you would like to take out cover on a corporate plan, please contact our friendly team on:
If you are an existing Corporate HBA, Mutual Community or MBF customer, you can logon to myBupa now and manage your membership. MyBupa allows you to claim online, view cover details, update your personal details, find a provider and much more.
Why should I take out private health insurance?
Health insurance gives you the peace of mind that comes with knowing you can be covered for medical treatment in public and private hospital as well as for those services not covered by Medicare.
Here are some of the advantages of having private health insurance:
- Lets you avoid public waiting lists and provides choice over when you are admitted for elective procedures in a private hospital.
- Lets you have a say in choosing your own doctor or specialist.
- Provides more affordable access to private hospitals.
- Provides cover for services that Medicare doesn’t usually cover, including dental, optical, physiotherapy, chiropractic and natural therapies.
- Helps you avoid the additional 1% Medicare Levy Surcharge* if you are a high income earner.
- If you are eligible for full Medicare rights, you will receive at least a 30% rebate on your Hospital and Extras premiums with the Federal Government Rebate on private health insurance.
- Helps you avoid the Lifetime Health Cover loading.~
*The 1% Medicare levy surcharge (MLS) applies for each day you do not have private hospital cover and earn over $84,000 p.a. if you are single or $168,000 p.a. for couples and families with up to one child. These MLS figures apply to the 2012-13 financial year and are indexed annually. The MLS increases by $1,500 for each additional child. Please consult your tax adviser for more information about how MLS may apply to you. ~Lifetime Health Cover (LHC) does not apply to overseas visitors who are not permanent residents of Australia. If LHC applies, the loading increases by 2% a year to a maximum of 70% and once attracted will apply for 10 continuous years of paid hospital cover. For further information regarding LHC visit privatehealth.gov.au.
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Why choose Bupa?
At Bupa, we take pride in delivering quality health cover that is affordable and represents real value. That’s why we provide you with advice, support, care and treatment to help you live a healthier life. Depending on your chosen cover you can access the following benefits:
- 100% back - we offer up to 100% back on selected Extras services at all providers recognised by us^.
- Gap free optical - we offer a range of no gap glasses and contact lenses, up to $100 off a wide range of fashion frames, up to 90% back on most lenses and 20% off a variety of sunglasses and non-standard contact lenses~.
- Loyalty Maximums – after the first 12 months receive recognition for your loyalty with us, and depending on which cover you choose, be rewarded with Loyalty Maximums that increase the amount you can claim each year by a fixed amount for 6 years.
- Gap free dental for kids – we cover the cost of your kids' general dental until they turn 25. This means you'll benefit from no out-of-pocket costs on dental services like check-ups, teeth cleaning, fillings, X-rays and more#.
- Excess waivers - on selected hospital covers, if you're admitted to hospital, we'll waive one excess for singles and two excesses for families for same day or overnight admissions*.
- Gap certainty - we know that when you're sick you need to focus on the most important issue, your health and recovery. In 2010, 83.5% of specialist claims in hospital were fully covered with no out-of-pocket expenses.
- Medical gap scheme - if your doctor participates, this is a direct billing arrangement between Bupa and your doctor/s that either eliminates or reduces out-of-pocket expenses for in-hospital doctors' fees (the 'gap').
- On-the-spot and online claiming – swipe your Bupa card to get your Extras benefit back straight away at your provider, or claim online for most Extras services.
- iPhone App – find your nearest provider, local Bupa centre or hospital from your phone.
- Useful guides and articles – within our online health hubs in the Health and Wellness area.
- Parent and baby wellbeing – an initiative designed to provide support for parents with new babies.
- Cover wherever you are - our International Company Plan can provide international private medical insurance (IPMI) cover for members and their families while they are living and working overseas.
- We're there for you when you're overseas - if the unexpected happens while you're travelling overseas, we're always there to provide telephone based support and advice. Our new 24 hour overseas health advice line is exclusive to Bupa members. Simply call 61 3 9937 3999 (reverse charges accepted).
We’ve been part of Australian life for over 60 years and understand the importance of helping to manage your health for the long term. And because we don’t have any shareholders, our profits get re-invested to provide better healthcare for our members.
^Dependent on your level of cover. Annual maximums apply. ~Dependent on your level of cover. Not in conjunction with any other offer. #Available on selected Extras, when taken with Hospital cover on a family membership. Only for treatment provided by a Members First dentist, excludes orthodontics and hospital treatment. Major Dental in VIC and SA only. Dental fund rules, waiting periods and annual maximums apply. Child dependants only. *Available on Corporate Hospital Top, Intermediate and Saver(Excess Level 2). We recommend you read the product details and Important Information before joining.
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Choosing your health insurance
Your choice of health cover should depend on your lifestyle and needs. You can choose Hospital cover or Extras cover separately, or a combination of both.
Hospital cover
What is Hospital cover?
Hospital cover is an affordable way to access private healthcare, which gives you the power to choose your own hospital, use your preferred doctor or specialist, and have greater choice when you are treated. It covers you for hospital treatment and in-patient medical expenses if you are admitted to any hospital within our network of private or public hospitals in Australia.
Extras cover
What is Extras cover?
Extras cover helps with the cost of services not usually covered by Medicare, such as dental, optical, physiotherapy, chiropractic and natural therapies. Plus at our Members First providers we have negotiated special agreements for our members that give you a guaranteed return on the cost of your treatment for selected services.
Packaged cover
What is Packaged cover?
Packaged cover is a type of cover that combines both Hospital and Extras cover in one convenient package. It covers you for the cost of hospital treatment and medical services in-hospital, as well as services such as dental, chiropractic, physiotherapy, massage and psychology.
Which level of private health insurance do I need?
The level of private health insurance cover you should take out depends on your individual needs. We offer the following three levels of cover, with various different product options in each category:
High (top) cover
For comprehensive Hospital and Extras cover with maximum benefits and high protection. These cover options may be suitable for people of all ages who want our highest level of private health insurance cover.
Medium cover
Covers you for the services you think you are most likely to use or need. These cover options may be suited to young couples and families.
Low (basic) cover
If you don't want to pay for things you don't need at this stage in your life, you may want to consider a lower level of cover - may be suitable for people wanting the security of private health insurance for most essentials, and those wanting to avoid the Medicare Levy Surcharge*. These options may suit young singles, or families on a budget looking to cover their children.
* You can find more information on the Medicare Levy Surcharge, Federal Government Rebate and Lifetime Health Cover, by clicking on the links.
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Don't know if your company has a Bupa corporate health plan?
If you’re unsure whether your organisation has a Bupa corporate health plan in place, or you would like more information, please:
or
- contact your Human Resources department.
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