We've met a lot of families in our time, in fact, nearly half a million families have chosen Bupa Australia. And so we know they come in a range of shapes and sizes, with only one thing in common – how exceptional they are.
It's because of this that we've designed our health cover to suit the needs of Australian families. So whether you're only just thinking about having kids, are still adding to the brood or have finally tucked away the pram forever, we have health cover to suit your family.
Take great care of your kids' pearly whites with our family cover, there are no out-of-pocket expenses10 for dental check-ups, teeth cleaning, fillings, x-rays and more.
Kids grow up fast. But with Bupa, we'll look out for them until they're 25 and cover the cost of most physio and general dental services while they're still dependents on your membership.
Climbing trees, riding bikes, playing in the rain – it's the stuff of dreams for most kids. But when they're active like this, accidents can happen – which is why you'll pay no excess if any one of your kids is admitted to hospital.
When you use Members First providers you'll receive at least 60% of your payment back. Not only does this ensure you get great value, but in most instances you'll also know what your out-of-pocket expenses will be.
Alternatively, our ‘build your own' cover option gives you the ability to tailor a package exactly to your needs. You have the freedom to build a health cover package that's perfect for your family – and your budget.
Build your ownLegend:
Covered
Minimum Benefits
1For most items at our Members First providers covering general dental, physiotherapy and selected optical packages. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments.
2Note: Thresholds are effective 1 July 2012 and are indexed annually. On a family membership this increases by $1,500 per child after the first child. The family thresholds apply to single parent families, couples including de facto couples. There are specific rules for calculating adjusted taxable income for Medicare Levy Surcharge and income testing purposes. For more information go to ato.gov.au
3Not available on all covers.
4No excess for kids (up to the age of 25) is available on selected hospital cover on family memberships only.
5Not available in NT, any excess still applies
6Only if the service is included on the selected cover.
8Lifetime 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%. This applies for 10 continuous years. To avoid paying any loading simply take out and maintain hospital cover by 30 June following your 31st birthday. For couples, any loadings are shared across both adults on the membership.
9As at [1 January 2013] for dental, optical, physio and chiro providers.
10When treatment is provided by a Members First dentist. Available on our family packages, Ultimate Health Cover, Silver, Gold and Platinum Extras covers when taken with hospital cover on a family membership. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments.
11You are covered in a private hospital for all services recognised by Medicare except where Minimum Benefits apply to the service,
12Benefits for prescription items that are non-PBS, TGA approved and not appearing on our exclusions list.
13Limits apply
143 year waiting period applies, excludes lens implant for eye correction.
15Price is for Budget Family Health Cover on a Family scale, with a $500 excess. Price for NSW residents. Assumes no LHC loading and includes the 30% Australian Government Rebate on private health insurance. which is income tested from 1 July 2012.
16Price is for Established Family Health Cover on a Family scale, with a $500 excess. Price for NSW residents. Assumes no LHC loading and includes the 30% Australian Government Rebate on private health insurance. which is income tested from 1 July 2012.
17Price is for Growing Family Health Cover on a Family scale, with a $500 excess. Price for NSW residents. Assumes no LHC loading and includes the 30% Australian Government Rebate on private health insurance which is income tested from 1 July 2012.
18Price is for Ultimate Family Health Cover with no hospital excess for the entire family. Price for NSW residents. Assumes no LHC loading and includes the 30% Australian Government Rebate on private health insurance which is income tested from 1 July 2012.
