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you and your
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There are different types of life insurance products such as life insurance, income protection, serious illness, accidental death and injury cash. 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:

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.

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

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. 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.

However other products offered, such as 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.

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.

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

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