ASIAL Health Plan Brochure

corporate health cover

DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND a Healthier you

At Bupa, it’s our purpose that makes us different – helping our members to live longer, healthier, happier lives.

This brochure is a summary of the cover we offer. If you want more information, including what's covered and what's not read this together with our Important Information Guide at bupa.com.au/info Unsure of any words?

Visit bupa.com.au/glossary For more information 134 135 b upa.com.au/corporate

To log in, your user name is ASIAL and your password healthplan

Visit a local Bupa centre

Simple affordable cover to suit you now

AFFORDABLE COVER

OUTSTANDING VALUE

Tailored health cover

Canstar Award

No matter what life stage you are at, we have affordable cover to suit your needs.

Independently awarded Outstanding Value Health Insurance Australia 2013.

Members First Provider Network

Gap free same day treatment

Our national network of hospital and extras^ providers can help you to reduce or eliminate out-of-pocket expenses.

No out-of-pocket hospital or medical expenses at Members First day facilities (any excess and/or co-payments related to your level of cover will still apply.

Not available in NT).

As part of the Australian Security Industry Association Limited (ASIAL) health plan, you’ll receive a 3% discount off your health cover.*

^Dental, optical, physio and chiro. *Discount is reviewed periodically by Bupa and your Company and is subject to change. Must pay by direct debit or payroll deduction (if available).

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easy anD Convenient Mybupa online portal Manage your cover at a time that suits you.

accessible health support You can access a range of online tools and apps to help manage your health.

easy to use Extensive range of extras providers offering on-the-spot claiming.

More than health insUranCe save money with our bupa Member exclusives Great offers and discounts for things you will be sure to use like gym memberships, movie tickets and more.

Visit bupa.com.au/Memberexclusives

travel benefits We offer benefits for overseas travel including a 24 hour health advice line and benefits for travel vaccines.

Visit bupa.com.au/other-insurance for information around our other insurance products and discounts for Bupa members.

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Choose one of our packaged covers

Your choice starts here

OR

Create your own cover

Ultimate

page 6

Established

page 6

Growing

page 7

Budget

page 7

Top

page 8

Standard

page 8

Budget

page 9

Platinum

page 12

Gold

page 12

Silver

page 13

And

Ultimate Health Cover

Established Family

Our premium option for ultimate peace of mind, with top hospital and extras cover and our dedicated 24/7 advice line.

When there’s no more kids on the way, you’re taken care of with more hospital cover and generous extras.

✓✓✓ ✓✓✓ 100%

Top level of hospital cover Top level of extras cover Amount you get back (limits apply)

Extras

#

Yearly limits

Medium level of hospital cover

✓✓ ✓✓ 60%

Medium level of extras cover Minimum amount you get back#

Extras

Yearly limits

General Dental

Unlimited

General dental

Unlimited

Major dental

$1,600

Major dental

$1,000

Orthodontics

$1,000*

Orthodontics

$800*

Optical

$420^

Optical

$290^

Physio

$1,500

Physio

$700

Chiro

$1,000 t $1,600 l

Chiro

$500 t $1,000 l

Natural therapies

$1,000

Natural therapies

$400

All covers below include these hospital features: Emergency ambulance

Medical cover

Private hospital cover

Plus more, see page 10 for the full list

Basic cover

Growing Family

Budget Family

Ideal for couples or families planning kids, with access to a range of hospital and extras designed for your life stage.

Affordable cover with a range of extras and hospital cover, including full cardiac.

Medium level of hospital cover

✓✓ ✓✓ 60%

Medium level of extras cover Minimum amount you get back

Extras

#

Yearly limits

Basic level of hospital cover

✓ ✓ 60%

Basic level of extras cover Minimum amount you get back#

Extras

Yearly limits

General dental

$700

General dental

$700

Major dental

$600

Major dental

$600

Orthodontics

$400*

Orthodontics

$400*

Optical

$260^

Optical

$260^

Physio

$450

Physio

$450

Chiro

$350 t $500 l

Chiro

$350 t $500 l

Natural therapies

$300

Natural therapies

$300

All of these packages have: °° no hospital excess for kids under 25 °° gap free physio, dental and optical for kids – see page 14.

t Per person

l Per membership

For most items at our Members First providers covering general dental, physio, chiro and selected optical.

Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. *Lifetime limits apply. ^At Members First Optical providers only. Lower limits apply at other providers.

#

Top

Standard

Comprehensive cover, with additional benefits including family in-hospital benefits, benefits towards selected health subscriptions, and Unemployment Cover (subject to eligibility).

Our medium level of hospital cover includes cover for pregnancy and cardiac services. Minimum benefits apply to some services such as IVF and hip/knee replacements.

✓✓✓

Top level of hospital cover

No excess for kids

NIL

EXCESS

250

$

EXCESS

✓✓

Medium level of hospital cover

No excess for kids

500

$

EXCESS

250

$

EXCESS

500

$

EXCESS

Budget Budget Hospital gives you basic cover that’s affordable but still includes many hospital treatments you may need including cardiac.

Basic level of hospital cover

✓

250

$

EXCESS

500

$

EXCESS

Packages (hospital and extras cover) Ultimate Health Cover

Established Family

Growing Family

Budget Family

Rehabilitation services

 

 

 



Pregnancy (including childbirth)



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

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IVF and assisted reproductive services



¡

¡

¡

 

 





Renal dialysis

¡

¡

Cataract and eye lens procedures



¡

¡

¡

 

 

¡

¡

All other joint replacements





Gastric banding and obesity related treatment









Knee Arthroscopy and Meniscectomy Procedures









Appendicitis









Removal of Tonsils and Adenoids









Minor Gynaecological Surgery

 

 

 

 

All other in-patient treatment receiving Medicare Benefits









Emergency ambulance services









Cosmetic surgery not clinically required

✗

✗

✗

✗

  

✗ ✗ 

✗ ✗ ✗

✗ ✗ ✗

NIL

$250 $500

$250 $500

$250 $500









Psychiatric services

Cardiac services

Hip/knee replacement

Dental Surgery

Health subscription refunds Family in-hospital benefit Unemployment cover# Excess No excess for kids under 25

¡

Want to see the extras cover that comes with your package?

Go to page 14

Hospital only Top

Standard

Budget

 

 







¡



¡

¡

 





¡

¡



¡

¡

 

¡

¡









¡



















 

 

 













✗

✗

✗

  

✗ ✗ ✗

✗ ✗ ✗

NIL $250 $500

$250 $500

$250 $500





✗

¡

Platinum

Gold

Get at least 90% back at our Members First providers. Gap free dental and physio for kids.##

Get at least 75% back at our Members First providers. Gap free dental and physio for kids.##

✓✓✓

Top extras cover

✓✓✓

Top extras cover

90%

Minimum amount you get back

75%

Minimum amount you get back

Extras

Yearly limits

General dental

Unlimited

Extras General dental

Yearly limits Unlimited

Major dental

$1,200

Major dental

$1,100

Orthodontics

$900

Orthodontics

$800

Optical

$380^

Optical

$340^

Physio

$900

Physio

$800

Chiro

$700 t $1,400 l

Chiro

$600 t $1,200 l

Natural therapies

$500

Natural therapies

$500

t Per person

l Per membership

General dental

Optical

Silver Get at least 60% back at our Members First providers. Gap free dental and physio for kids.##

✓✓

Medium extras cover

60% Minimum amount you get back Extras General dental

Yearly limits Unlimited

Major dental

$1,000

Orthodontics

$700

Optical

$290^

Physio

$700

Chiro

$500 t $1,000 l

Natural therapies

$400

Physio

Chiro

Natural therapies

CHOOSE YOUR EXTRAS COVER This table shows yearly limits per person.

Packages

% back at Members First providers

Ultimate Health Cover

Established Family

Growing Family

Budget Family

Up to 100% back

At least 60% back

At least 60% back

At least 60% back

Unlimited

Unlimited

$700

$700









Waiting periods

Services General dental

2 months

Gap free general dental for kids## Major dental

$1,600

$1,000

$600

$600

$1,000 t Lifetime Limit $3,200

$800 t Lifetime Limit $2,600

$400 t Lifetime Limit $1,300

$400 t Lifetime Limit $1,300

Optical

$420 Ë $300 º

$290 Ë $200 º

$260 Ë $180 º

$260 Ë $180 º

Physiotherapy

$1,500

$700

$450

$450









$1,000 t $1,600 l

$500 t $1,000 l

$350 t $500 l

$350 t $500 l

$1,000 t Massage sub-limit $250 t $500 l

$400 t Massage sub-limit $150 t $300 l

$300 t Massage sub-limit $100 t

$300 t Massage sub-limit $100 t

$500

✗

$300

✗

12 months

Orthodontics

Gap free physio for kids## Chiropractic and osteopathy

2 months

Natural therapies Antenatal and Postnatal Living Well

$300

$100

$100

$100

Pharmacy^^

6 months

$1,500

$500

$400

$400

Dietary

$1,000

$400

$200

$200

Psychology

$1,000

$400

$200

$200

$1,000

$400

$200

$200

Speech Therapy

$1,000

$400

$200

$200

Eye Therapy

$1,000

$400

✗

✗

Occupational Therapy

$1,000

$400

✗

✗

$400

✗

✗

✗

Podiatry (excludes orthotics)

2 months

Home Nursing Health aids and appliances+

12 months

85% of cost# Sub-limits apply

$800 #

✗

$600 #

Travel and accommodation

2 months

$200 travel/$300 accommodation

$100 travel/$150 accommodation

✗

✗

Emergency ambulance services t Per person

No waiting periods

Ë Members First

Two trips per membership per year

º Non-Members First

l Per membership

For most items at our Members First providers covering general dental, physio, chiro and selected optical.

Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply.

14

Choose your own extras Platinum Extras At least

Gold Extras At least

Silver Extras At least

90% Back

75% Back

60% Back

Unlimited

Unlimited

Unlimited







$1,200

$1,100

$1,000

$900 t Lifetime Limit $2,800

$800 t Lifetime Limit $2,600

$700 t Lifetime Limit $2,000

$380 Ë $280 º

$340 Ë $240 º

$290 Ë $200 º

$900

$800

$700







$700 t $1,400 l

$600 t $1,200 l

$500 t $1,000 l

$500 t Massage sub-limit $200 t $400 l

$500 t Massage sub-limit $200 t $400 l

$400 t Massage sub-limit $150 t $300 l

$450

$400

$350

$200

$150

$100

$750

$600

$500

$750

$500

$400

$750

$500

$400

$750

$500

$400

$750

$500

$400

$750

$500

$400

$750

$500

$400

$400

$350

$350

$1,200 # Sub-limits apply

$1,000 # Sub-limits apply

$800 # Sub-limits apply

$100 travel $150 accommodation Two trips per membership per year

Living Well Provides cover for treatments which help you live a healthier lifestyle. These include: gym memberships, yoga, Pilates, nicotine replacement therapy, weight management programs. Gym memberships, yoga and Pilates require your doctor or recognised provider to complete a Living Well form to confirm the program is medically necessary for your health.

Bupa health cover made easy Log in to bupa.com.au/corporate To log in, your user name is ASIAL and password healthplan Unsure of any words? Visit: bupa.com.au/glossary Other important information you should know can be found at: bupa.com.au/info To find out more about what the Australian Government Rebate on private health insurance means for you, visit: bupa.com.au/rebate

To get a quote:

134 135 bupa.com.au/corporate To log in, your user name is ASIAL and password healthplan

Visit a local Bupa centre

For more information

134 135 bupa.com.au/corporate Visit your local Bupa centre

The World of Bupa Bupa PO Box 14639 MELBOURNE VIC 8001 Bupa Australia Pty Ltd ABN 81 000 057 590 Effective 1 April 2014 10299-04-14S

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