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Bupa Life Insurance

Whatever stage of life you’re at, Bupa can provide you access to a range of life insurance solutions to help you protect your financial future.

Bupa Life Insurance Solutions

Whether you need financial protection for when you’re sick or injured, or financial protection for your loved ones if you’re no longer around to provide for them, there are a range of life insurance solutions that are designed to help. We work with ClearView, our trusted partner in financial services, to provide you with a broad choice of insurance options.

What's covered*

 

Death by accident

Death by any cause

Terminal illness

Serious Illness or Trauma

Total and permanent disablement by accident

Maximum sum insured

Bupa Life Insurance^

         

$1,000,000
(maximum $500,000 for ages 56-64)

Bupa Accidental Death Insurance

         

$1,000,000
(maximum $500,000 for ages 56-69)

Bupa Funeral Insurance

  1      

$50,000

Bupa Injury Cash Insurance

         

Standard = $100,000
Premier = $200,000

Bupa Serious Illness Insurance

         

Standard = $50,000
Plus = $100,000
Premium = $200,000

Death by accident

 

Death by any cause

 

Terminal illness

 

Serious Illness or Trauma

 

Total and permanent disablement by accident

 

Maximum sum insured

$1,000,000
(maximum $500,000 for ages 56-64)

Death by accident

 

Death by any cause

 

Terminal illness

 

Serious Illness or Trauma

 

Total and permanent disablement by accident

 

Maximum sum insured

$1,000,000
(maximum $500,000 for ages 56-69)

Death by accident

 

Death by any cause

1

Terminal illness

 

Serious Illness or Trauma

 

Total and permanent disablement by accident

 

Maximum sum insured

$50,000

Death by accident

 

Death by any cause

 

Terminal illness

 

Serious Illness or Trauma

 

Total and permanent disablement by accident

 

Maximum sum insured

Standard = $100,000
Premier = $200,000

Death by accident

 

Death by any cause

 

Terminal illness

 

Serious Illness or Trauma

 

Total and permanent disablement by accident

 

Maximum sum insured

Standard = $50,000
Plus = $100,000
Premium = $200,000

Download Table PDF

^Subject to age and underwriting requirements

1 Accidental death only within the first 24 months

 

Product overview

A monthly benefit if you can't work due to sickness or injury

Protect up to 75% of your salary

Premiums are generally tax deductible

Unique customer loyalty benefit

Bupa income protection

For when you are disabled and can't work (or can only work in a reduced capacity) because of sickness or injury

       

Product overview

For when you are disabled and can't work (or can only work in a reduced capacity) because of sickness or injury

A monthly benefit if you can't work due to sickness or injury

 

Protect up to 75% of your salary

 

Premiums are generally tax deductible

 

Unique customer loyalty benefit

 
Download Table PDF
* These lists are a guide only. Terms and conditions apply. Please refer to the relevant Product Disclosure Statement for applicable definitions, terms and conditions and exclusions (which generally include pre-existing conditions) before making any decision about a product.

Make a Claim

The first step in making a claim is to make a notification. This can be made by the policy owner, the person insured, or their legal representative. There are two ways to do this:

By email

Download and fill out a claim form and email it to life@clearview.com.au

By phone

132 979
(Monday to Friday 9am to 5pm)


What happens after a claim notification

Your notification will be reviewed and a dedicated Claims Assessor will contact you if further information is needed.

A Claims Pack will be sent out to the policy owner (or their legal representative) which has the relevant claims forms.

Once the completed claim forms are received, your Claims Assessor will manage your claim through to the end.

Frequently Asked Questions

There are different types of life insurance products such as life insurance, income protection, serious illness, accidental death, injury cash and funeral insurance. In general, these products are designed to provide a financial pay out when an event covered by the policy happens e.g. depending on the policy an accidental injury, total and permanent disability or death. Different life insurance products vary by:

What is covered: products typically cover injuries, illnesses or death (or a combination of these).

Lump Sum vs Monthly Payments: some life insurance products are designed to pay a lump sum benefit, while others are designed to provide regular monthly payments. Policies that make regular monthly payments typically cover you for the period that you’re out of action.

You  can generally pick the amount that you want to be covered for. If the event you're insured against occurs while your policy is still in place, and you have met the terms and conditions of the policy, you can make a claim to receive the amount you’re covered for. Alternatively, if you’ve passed away, the person(s) you have nominated as  your beneficiary/s may be able to make a claim. This will depend on the policy you have with us.

You can use the money to help cover living expenses and out of pocket medical expenses while you recover. If you’re no longer around, your family can use the money to pay off the family home and to pay for your children’s education amongst other things.

A beneficiary is a person that you choose to receive a payout if you pass away while you’re still covered by your life insurance policy. For some Bupa policies, you can choose a beneficiary (up to two). If you’re choosing multiple beneficiaries, you can tell us what percentage of the total payout you’d like each one to receive.

Your beneficiaries are the ones who will lodge any claim on the policy after you pass away, so it’s important that you tell them that you’ve taken out the policy and give them a copy of the policy details.

You can change the beneficiaries on your life insurance policy at anytime. Simply call 132 979 (Monday to Friday 8am to 6pm, Sydney time).

Underwriting is the process that life insurance companies use to work out whether they can insure you, how much they can cover you for, and how much you’ll need to pay in premiums.

During underwriting we ask you a number of health and lifestyle questions, such as your height and weight, whether or not you smoke, and any illnesses or medical conditions you may have had. If you have any health or lifestyle risks, there is a chance that we may not be able to offer you the cover you were after.

It’s important that you answer these questions truthfully, otherwise any claim you may make in the future might be reduced or denied altogether.

Not all products require underwriting. For Bupa, the products that require underwriting are Life Insurance and Serious Illness Insurance.

It is important that you disclose any pre-existing medical conditions. This is because pre-existing conditions are not covered. For some policies, pre-existing medical conditions are covered but only if you tell us in writing when first taking out the cover and the insurer agrees to cover those conditions at that time.

You will be asked for details of any medical conditions you may have (or previously had) as part of the application process for Bupa Life Insurance, Bupa Serious Illness Cover and Bupa Income Protection. These details are used to work out whether you can be insured.

Having a medical condition doesn’t always mean you won’t be insured. Each case is considered on its own merits. Minor medical conditions may not affect your chances of getting cover, however serious conditions such as cancer or heart disease generally do. This may be applicable for Bupa Life Insurance, Bupa Serious Illness Cover and Bupa Income Protection.

However other products offered, such as Bupa Funeral Insurance, Bupa Injury Cash and Bupa Accidental Death Insurance are all guaranteed acceptance products. This means that your application will be accepted, regardless of any pre-existing medical conditions you may have. However, as stated above, if your claim relates to a pre-existing condition, you won’t be covered.

These policies are designed to cover you alone. That’s to give you control over your policy, no matter how your circumstances change. To add cover for your partner, simply call 134 135 (Monday to Friday 8am to 6 pm, Sydney time) and a policy for them can be set up.

All policies are guaranteed renewable. That means that so long as you continue to pay your premiums on time (i.e. within 30 days of the policy anniversary date) and comply with the policy conditions, your policy will continue to be renewed each year. This will continue up to the relevant expiry age for that product, regardless of any changes to your health, occupation or pastimes. You will need to refer to the relevant Product Disclosure Statement (PDS) for the expiry age of each product.

Yes, you can ask to change your cover amount anytime you like - simply call us on 134 135 (Monday to Friday 8am to 6pm, Sydney time) to find out how.

If you’d like to increase your cover amount for Bupa Life Insurance, Bupa Serious Illness Cover and Bupa Income Protection, you’ll need to answer some simple health and lifestyle questions so your request can be assessed and before any increase can be approved.

You don’t need to answer any questions to increase your cover amount for Bupa Funeral Insurance or Bupa Accidental Death Insurance, or to decrease your cover amount for any product.

All Bupa health insurance members get 10% off premiums for all Bupa life insurance policies. Some products also provide additional discounts and benefits:

Bupa Life Insurance: discounts of between 10% and 17.5% for higher cover amounts as well as an extra 20% paid on top of the benefit payable for death caused by an accident (up to a maximum of $50,000)

Bupa Accidental Death Insurance: discounts of between 10% and 17.5% for higher cover amounts

Bupa Funeral Insurance: loyalty discount once you’ve held the policy for 3 years or more. The discount starts at 3% and increases each year up to a maximum of 10% after 10 years. You also receive an extra 10% on all claims when a claim is paid

Bupa Injury Cash Insurance: an extra 10% is paid on all claims when a claim is paid

Bupa Serious Illness Insurance: an extra 10% is paid on all claims when a claim is paid

Bupa Income Protection: 12 months’ cover for the price of 11 when you pay premiums annually

Premiums on Bupa Income Protection may be tax deductible. Payouts you receive may also be taxable. Premiums on other products are generally not tax deductible. Please consult your tax advisor or accountant in relation to your personal circumstances.

To change your name and address details, please call 134 135 (Monday to Friday, 8am to 6pm, Sydney time) or e-mail us at life@clearview.com.au

NOTE: You can change the address on your health insurance policy online via myBupa.

To move from annual payments to a monthly direct debit, or to update your credit card or bank account details, simply call 134 135 (Monday to Friday 8am to 6 pm, Sydney time).

To cancel your Bupa life insurance policy, please send an e-mail with your name, policy number and request to cancel life@clearview.com.au