Here you will find information to help you understand how your health cover with us works. You can view our online glossary at bupa.com.au/glossary.
You should refer to our Fund Rules, (pdf 179kb), or by calling us, for the full terms and conditions of your cover. The information below applies in addition to our Fund Rules.
With private hospital cover, you can choose to be treated as a private patient in either a public or a private hospital.
You will be fully covered, in most instances, as a private patient in most hospitals that Bupa has an agreement with, known as Members First and Network hospitals across Australia for any treatment which is recognised by Medicare and is not either restricted or excluded under your cover.
A small number of these hospitals may charge a fixed daily fee. This fee is capped at a maximum number of days for overnight stays. The hospital should inform you of this fee when you make a booking. This fee is in addition to any excess or co-payment you may have as part of your hospital cover.
At Members First Day Hospitals, you have the added benefit of no medical gaps in addition to being covered for hospital costs, provided the treatment is recognised by Medicare and there are no exclusions or restrictions on your level of cover.#
#Not available in NT. Any co-payment or excess related to your level of cover will still apply.
When admitted to hospital, in most cases you will be covered for all in-hospital charges when provided as part of your in-hospital treatment including:
We recommend you call us first before making a booking to confirm that your hospital of choice gives you certainty of full cover. We can also discuss any excess or co-payment that may be applicable to your level of cover. You can find out if a hospital has an agreement with us by checking bupa.com.au/find-a-provider.
If you elect to be treated as a private patient in a public hospital or are admitted to a private hospital that Bupa does not have an agreement with, you are covered as set out below for any treatment recognised by Medicare unless it is excluded or restricted under your cover.
In these circumstances, you are likely to incur out-of-pocket expenses for your hospital costs.
If you are admitted to a private hospital that Bupa does not have an agreement with, we will pay shared room minimum benefits and benefits for prostheses up to the benefit in the Government Prostheses List. This will apply for any treatment recognised by Medicare, unless it is excluded or restricted under your cover. These benefits will only partially cover the full cost and you will have significant out-of-pocket expenses.
It is important to note that you will be responsible for the cost of your stay and may be charged directly for your hospital accommodation, doctor’s services (including any diagnostic tests), surgically implanted prostheses (such as artificial hips) and personal expenses such as TV hire and telephone calls. Some of these hospitals bill Bupa directly for the limited benefits we pay. Please also refer to the Medical Costs section of this brochure.
As a private patient in a public hospital you are entitled to choose your doctor, if they are available. However, it is important to understand that you may still be subject to public hospital waiting lists.
Depending on your illness or condition, this may be the same doctor who would have been allocated to you by the hospital as a public patient. Additionally, whether a doctor provides treatment at a public hospital, or performs a particular procedure in a public hospital, is outside of Bupa’s control.
If you elect to be treated as a private patient in a public hospital, we will pay minimum benefits for shared room accommodation as set by the Australian Government. Depending on your level of cover, if you choose to stay in a private room, Bupa may pay an additional fixed benefit towards the cost of your stay. If this benefit is less than the hospital charge, the hospital should let you know what out-of-pocket expenses you will have to pay. Bupa also pays benefits for prostheses up to the benefit in the Government Prostheses List.
The above applies for any treatment recognised by Medicare unless it is excluded or restricted under your cover. It is important to note that in public hospitals, private rooms are generally allocated to people who medically need them.
As a private patient in a public hospital you will also be responsible for personal expenses such as TV hire and telephone calls together with any Medical Gaps your doctor/surgeon charges above the Medicare Benefit Scheme and prostheses charges above the benefit in the Government Prostheses List.
These are the fees charged by a doctor, surgeon, anaesthetist or other specialist for any treatment given when you are in hospital. You are covered for the cost of these medical treatments up to the Medicare Benefit Schedule (MBS) fee. The MBS fee is the amount set by the Federal Government for each medical service covered by Medicare. You must be eligible for Medicare in order to be covered up to the MBS fee.
If you choose to be treated as a private patient in a hospital (public or private), Medicare will cover you for 75% of the MBS fee for associated medical costs and we will cover the remaining 25%.
The Bupa Medical Gap Scheme is an arrangement Bupa has with some medical specialists/doctors such as an anaesthetist to help minimise the amount you’ll need to pay for your medical costs in hospital.
If you see a "No Gap" doctor that uses the Bupa Medical Gap Scheme you won't have to pay any medical costs as your medical specialist or doctor will bill Bupa directly. Check with them that they will use this for your upcoming admission upfront.
If you see a 'Known Gap' doctor that uses the Bupa Medical Gap Scheme with you, you will need to pay up to $500 towards your medical costs.
If your doctor is not using the gap scheme, Medicare will pay 75% and Bupa will pay 25% of the MBS fee. Any charge above that will be your gap.
We are partnered with Genesis Heart Care, a network of cardiologists across VIC, QLD, SA and WA that focus on providing quality, evidence based cardiology services. When you see a cardiologist from Genesis Heart Care you will have certainty of no out-of-pocket expenses for your in-hospital cardiologist treatment. You'll also be provided with information and advice so you can make informed decisions about your treatment and lifestyle.
Situations when you will not be covered include:
You will not be covered for medical services for surgical procedures performed by a dentist, surgical podiatrist, or any other practitioner or service that is not eligible for a rebate through Medicare.
If you are admitted as a private inpatient, you will be covered for the services listed in your chosen level of hospital cover. If you receive treatment as an outpatient (ie you are not admitted), in most instances you will not be covered by private health insurance. If eligible these services may be claimed from Medicare.
The following waiting periods apply for hospital cover:
If you have been a Bupa member for less than 12 months on your current hospital cover, it is important to contact us before you are admitted to hospital and find out whether the pre-existing condition waiting period applies to you. We need about five working days to make the pre-existing condition assessment, subject to the timely receipt of information from your treating medical practitioner/s. Make sure you allow for this timeframe when you agree to a hospital admission date.
If you proceed with the admission without confirming benefit entitlements and we (the health fund) subsequently determine your condition to be pre-existing, you will be required to pay all hospital charges and medical charges not covered by Medicare.
If you are thinking about starting a family we recommend that you contact us to check whether your current level of cover includes pregnancy in advance. This is because a 12-month waiting period applies to pregnancy (including childbirth) and assisted reproductive services.
No waiting periods will apply to the newborn provided they have been added to the appropriate family hospital cover within two months of their birth.Top of page
With extras cover, you can claim benefits for those services listed on your cover and that are not claimable elsewhere (eg from a third party like Medicare).
For example, Medicare does not provide benefits for:
Extras cover allows you to claim benefits for extras services as long as:
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.
Extras benefits will not be payable:
The following waiting periods apply for extras cover:
When you, your partner or your family take out our hospital cover, extras cover or packaged cover, you will receive capped cover for recognised emergency ambulance transport and on-the-spot treatment.
An emergency is when there is reason to believe that the patient’s life may be in danger or the patient should be attended to without undue delay.
Transportation means a journey from the place where immediate medical treatment is sought to the casualty department of a receiving hospital.
Emergency ambulance transportation is defined as air or road transportation by a Recognised Ambulance Provider of an unplanned and of a non-routine nature for the purpose of providing immediate medical attention to a person.
Benefits are not payable for:
We recommend that you take out an ambulance subscription with your recognised State Ambulance Provider if it’s available in your state (VIC, SA, NT and rural postcodes in WA).
We will only provide ambulance benefits, in accordance with your level of cover, when you do not hold a subscription with an ambulance provider and a state ambulance scheme does not provide cover.
NSW and ACT members: If you reside in New South Wales or the Australian Capital Territory and you have hospital cover, you pay an ambulance levy as part of your premium. This entitles you to free emergency ambulance transport under the State Government ambulance transport schemes. When you receive an account for ambulance transport, simply send it to us and we’ll endorse it for you to send back to the appropriate ambulance transport scheme.
QLD and TAS members: If you reside in Queensland or Tasmania, you are covered under your state service scheme.
VIC, SA, WA and NT members: If you reside in Victoria, South Australia, Western Australia or the Northern Territory you will receive cover for recognised emergency ambulance transport and on-the-spot treatment from us. This is as long as you don’t have an ambulance subscription with your state ambulance service or cover through a state-based arrangement.
Most state schemes cover their respective residents within their state of residence only. However, some states have entered into reciprocal agreements that allow you to be covered for ambulance services when you travel outside your state of residence. You should check with your state ambulance provider for when these reciprocal arrangements apply and the level of cover offered.
If you fall outside your state-based arrangement (including any reciprocal agreement) and are not covered for emergency ambulance services, you will be covered by Bupa up to the annual cap, as long as your level of cover contains ambulance cover and the services are provided by a recognised provider.
Bupa will only pay benefits towards ambulance services when they are provided by any of the following recognised providers:
Certain types of concession cards issued by Centrelink or the Department of Veterans Affairs (DVA) entitle the cardholders to free ambulance services. These arrangements also vary per state so should be checked directly with Centrelink or the DVA.Top of page
If you’re changing from another Australian health fund to Bupa, you’ll continue to be covered for all benefit entitlements that you had on your previous 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’ll need to transfer to us within 60 days of leaving your previous fund and ensure that Bupa has received your clearance certificate (which can be requested from your previous fund).
When changing health funds, extras benefits paid by your previous fund will be counted towards your yearly limits in your first year of membership with us. Any benefits paid by your previous fund also count towards lifetime limits. It’s important to note that when you change to Bupa from another fund you may need to wait before you can access your new benefits. In this situation, your benefit entitlements are based on our nearest equivalent cover to what you previously held.
Where your new cover is higher than the cover you held with your previous fund, the lower benefit (including different excess levels) will apply for the waiting period relevant for that service. Please refer to the listed waiting periods included under the Understanding Your Extras Cover and Understanding Your Hospital Cover sections.
If you choose a lower level of cover than you held previously, then the lower benefits on your new cover will apply immediately. This may include a different excess level or minimum benefits. You may also need to serve waiting periods for services or treatments that weren’t covered on your previous cover. In this case you won’t be covered during the waiting period.
If you change your health cover, you may need to wait before you can access your new benefits. Where your new level of cover is higher than what you previously held, the lower level of benefit applies. Please refer to the listed waiting periods included under the Understanding Your Extras Cover and Understanding Your Hospital Cover sections.
During this time you will be covered, however you will receive the lower benefits of the two covers (this includes any applicable excess).
If you choose a lower level of cover than you previously held, then the lower benefits on your new cover will apply immediately and may include different excess levels or minimum benefits. You may also need to serve waiting periods for services or treatments that weren’t covered on your previous cover. In this case you won’t be covered during the waiting period.
If you have any questions about transfers or waiting periods, just contact us.
We have the right to end a person’s membership as set out in our Fund Rules, including where premiums have not been paid or on notice at the reasonable discretion of Bupa.Top of page
For definitions please see the Glossary.Top of page
If you’ve chosen to pay your premiums by direct debit then you’ve accepted the terms of our Direct Debit Service Agreement.
This agreement outlines the responsibilities of Bupa Australia Pty Ltd (“we”, “us”, our”) and you. We will confirm the direct debit arrangements prior to the first drawing (including the premium amount and frequency) and debit your nominated account. Deductions will occur on the nominated day, except for deductions nominated for the 28th, 29th, 30th or 31st, which will occur on the first day of the following month.
If the nominated day falls on a weekend or public holiday, deductions will be made on the closest business day. We will debit all payments in advance and will automatically vary the deduction amount if your premiums or level of cover change. If we vary the deduction amount, we will give you at least 14 days written notice, except when the previous deduction is dishonoured, when we will deduct the previous period’s payment together with the current amount due.
If you pay premiums at three, six, and 12 month intervals, then should your financial institution dishonour a drawing, we will draw the payment on the nominated day of the following month. If two or more drawings are returned unpaid by your financial institution, we will also stop deducting your premiums from your nominated account and will start sending you renewal notices, pending further instructions from you.
We will maintain the privacy and confidentiality of your billing information (unless you have requested or consented that we can disclose it to a third party or the law requires or allows us to do so). We may provide information to our or your financial institution to resolve a dispute on your behalf. You must ensure your nominated account permits direct debiting and that sufficient cleared funds are available in that account on the due date to cover the premiums due. Your financial institution may charge a fee if the payment cannot be met.
You must ensure the authorisation given to draw on the nominated account is identical to the account signing instruction held by the financial institution where the account is based. You must notify us if the nominated account is transferred or closed. You must pay your premium by an alternative method if either you or we cancel the direct debit arrangements. You must ensure your payments are up-to-date, whether a notice is received from us or not.
If paying by credit card, you need to advise us of your new expiry date prior to expiry. You may request that we cancel or alter the debit drawing arrangements by contacting us and providing at least five working days notice of any requested changes. These changes may include deferring the debit, altering the debit dates, stopping an individual debit, suspending the direct debit arrangement or cancelling the direct debit completely.
You can dispute any debit drawing or terminate the deductions at any time by notifying us in writing not less than seven days before the next scheduled debit drawing. If you have any queries about your direct debit agreement, please contact us.
We undertake to respond to queries concerning disputed transactions within five working days of notification.
Your privacy is important to Bupa. This statement summarises how we handle your personal information. For further information about our information handling practices or our complaints handling process, please refer to our Information Handling Policy (Pdf, 182Kb),or by calling us on 134 135. When you join, you agree to the handling of your personal information as set out here and in our Information Handling Policy (Pdf, 182Kb).
We will only collect personal information that we require to provide, manage and administer our products and services and to operate an efficient and sustainable business.
We are required to collect certain information from you to comply with the Private Health Insurance Act 2007 (Cth). We may also collect information about you from health service providers for the purposes of administering or verifying any claim, and from your employer, broker or agent if you are on a corporate health plan or have joined through a broker or agent. We may disclose your personal Private Health Insurance Code of Conduct. The Private Health Insurance Code of Conduct (the Code) was developed by the private health insurance industry and it aims to enhance the standards of practice and service throughout the industry.
As a signatory to the Code, we undertake to do a number of things that will benefit you as a member. These include:
We’re proud to be a signatory to the Code and we are committed to continually reviewing our operations to ensure compliance. A copy of the Code is available online at bupa.com.au/code-of-conduct information to our related entities, and to third parties including healthcare providers, government and regulatory bodies, other private health insurers, and any persons or entities engaged by us or acting on our behalf. If we send your information outside of Australia, we will require that the recipient of the information complies with privacy laws and contractual obligations to maintain the security of the data.
If you are on a corporate health plan, we may disclose your information to your employer to verify your eligibility to be on that corporate plan. The policy holder is responsible for ensuring that each person on their policy is aware that we handle their personal information as set out here and in our Information Handling Policy. Each person on a policy aged 17 or over may complete a ‘Keeping your personal information confidential’ form to specify who should receive information about their health claims. You are entitled to reasonable access to your personal information within a reasonable timeframe. We reserve the right to charge a fee for collating such information.
If you or any insured person does not consent to the way we handle personal information, or does not provide us with the information we require, we may be unable to provide you with our products and services.
We may use your personal (including health) information to contact you to advise you of health management programs, products and services. When you take out cover with us, you consent to us using your personal information to contact you (by phone, email, SMS or post) about products and services that may be of interest to you. If you do not wish to receive this information, you may opt out by contacting us.
If you have any questions we’re always happy to help. Simply refer to the back cover for our contact details and call us, or pop by your local centre. If you would like more information about our Fund Rules or the Federal Government’s Private Health Insurance Industry Code of Conduct, you can find this information on our website. The Federal Government’s Private Patient’s Hospital Charter is available at privatehealth.gov.au.
If you have any concerns or you don’t understand a decision we have made, we’d like to hear from you.
You can contact us by:
Telephone: 1800 802 386
Fax: 1300 662 081
Email: via myBupa
Mail: Customer Relations Manager Bupa Australia
PO Box 14639
Melbourne VIC 8001
If you’re still not satisfied with your outcomes from Bupa you may contact the Private Health Insurance Ombudsman on 1800 640 695 or visit them at privatehealth.gov.au
Private Health Insurance Code of Conduct
The Private Health Insurance Code of Conduct (the Code) was developed by the private health insurance industry and it aims to enhance the standards of practice and service throughout the industry.
As a signatory to the Code, we undertake to do a number of things that will benefit you as a member. These include:
We’re proud to be a signatory to the Code and we are committed to continually reviewing our operations to ensure compliance.
A copy of the Code is available at bupa.com.au/code-of-conduct.