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)
¡
¡
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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