For Students and Graduates

Your first 12 months of cover

If you see a doctor, need medical tests or require hospitalisation during the first 12 months of your Bupa membership, we first need to check if this relates to a pre-existing condition. You can download this certificate here and ask your doctor or specialist to fill this out at the time of your appointment. The 12 month waiting period for pre-existing conditions does not apply for GP visits.

Before you seek further treatment, it is important to confirm that you are covered. It is important that your doctor completes a medical certificate so that we can determine whether your condition or illness may be pre-existing.

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 OSHC with Bupa. 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.

Hospitals

If you need to go to hospital while you are in Australia, Bupa has agreements with many overnight and day hospitals to help you be sure of the hospital costs related to your treatment.

You can find out more about our different hospital arrangements here.

To find a hospital for your treatment, visit:

• A Bupa ‘Members First’ or ‘Network’ Facility

Pregnancy

Please be aware that under your new Bupa health cover you must have cover for over 12 months before you will be covered for any pregnancy related services including ultrasounds, blood tests, childbirth or termination. Check your product sheet for the level of your pregnancy cover.

myBupa

myBupa is our member self-service portal. It helps you to easily manage your health cover - anywhere and anytime. Through myBupa you can:

• extend your OSHC
• access member exclusives
• check your claims history, and more. Login to myBupa

Understanding your OSHC Extras cover

You’ll get 100% cover for a set number of Members First Extras services each year that you may need while studying in Australia, such as a dental check-up, physio, chiro and podiatry consultations (Subject to yearly visit limits). That means you won’t pay any out-of-pocket costs for those included extras (up to the yearly visit limits).

Bonus Dollars

We will contribute a total of $50 ($100 for couple and family memberships), payable once per year, that can be shared across your extras services to put towards out-of-pocket (extras) expenses at Members First healthcare providers (e.g. for a filling or additional physio treatment).

Learn more here.