Bupa HI Pty Ltd

HealthLink Advantage $750 Excess - Gold

Name: HealthLink Advantage $750 Excess - Gold
Brand: Bupa HI Pty Ltd
Price: 372.2 AUD

Corporate Policy

$372.20 / month

(Before Rebate, Discount & Loading)

Available in NT

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You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: One adult & dependants, including non-student dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20), students (21 - 31) and non-students (21 to 31), as well as persons with a disability who qualify as a child, non-classified* dependant, student and non-student in these age ranges. *Non-classified dependant: A non-classified dependent person will be treated as a Dependent Child for the purpose of cover and benefits. Details of study status are required for dependants from age 21.

Corporate policy: Employees of organisations with arrangements with this health insurer

Policy ID: BUP/J15D/DGJM1Y

Source: Private Health Information Statement (PHIS)

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Assisted reproductive services

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $750 per admission. This is limited to a maximum of $750 per person and $1500 per policy per year.

Excess payments do not apply to hospital admissions for dependants.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth (obstetrics)
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

Comprehensive Hospital cover to help protect you or your family. For more details on the product contact Bupa.

We have agreements with a network of dental practitioners, chiros, physios & podiatrists across Australia called Members First providers. By using them, in most cases you’ll receive up to 90% back, up to your yearly limits. See http://www.bupa.com.au/find-a-provider.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture 2

$400 per person up to $200 per service

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

sub-limits apply

Initial visit: $40
Subsequent visit: $30

Ante-natal/Post-natal classes 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

Initial visit: $29.55
Subsequent visit: $29.55

Blood glucose monitors* 12

$850 per person

combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services

sub-limits apply

Per monitor: $200

Chinese medicine 2

$400 per person up to $200 per service

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

Initial visit: $21
Subsequent visit: $21

Chiropractic* 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

sub-limits apply

Initial visit: $50
Subsequent visit: $35

Dietetics/dietary advice 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

Initial visit: $61
Subsequent visit: $36

Endodontic 12

$1,300 per person

combined limit for endodontic & major dental

Filling of one root canal: $92.15

Exercise physiology 2

$400 per person up to $200 per service

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

Initial visit: $24.5
Subsequent visit: $21

Eye therapy (orthoptics) 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

Initial visit: $50
Subsequent visit: $40

General dental* 2

$400 per person

Fluoride treatment: $11.5
Scale & clean: $49.5
Surgical tooth extraction: $100.1
Periodic oral examination: $22

Health management / Healthy lifestyle 6

$100 per person

Health management: 50% of charge

Hearing aids* 12

$850 per person

combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services

sub-limits apply

Hearing aid: $600

Major dental* 12

$1,300 per person

combined limit for endodontic & major dental

Full crown veneered: $660.8

Non PBS pharmaceuticals* 2

$300 per person

Per eligible prescription: $50

Occupational therapy 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

Initial visit: $114
Subsequent visit: $78

Optical 2

$250 per person

Multi-focal lenses & frames: $250
Single vision lenses & frames: $181

Orthodontic 12

$1,300 per person

$2,500 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: 70% of charge

Orthotics (podiatric orthoses)* 12

$850 per person

combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services

Orthotics supply & fit: $105

Osteopathy* 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

Initial visit: $43
Subsequent visit: $39.5

Physiotherapy 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

sub-limits apply

Initial visit: $37
Subsequent visit: $29.5

Podiatry* 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

sub-limits apply

Initial visit: $40
Subsequent visit: $36

Psychology 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

sub-limits apply

Initial visit: $101
Subsequent visit: $86

Remedial massage 2

$400 per person up to $200 per service

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

sub-limits apply

Initial visit: $38.5
Subsequent visit: $36

Speech therapy 2

$900 per person up to $500 per service

combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services

Initial visit: $85
Subsequent visit: $57

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $200 per service}

{combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $29.55}

{Subsequent visit: $29.55}

Blood glucose monitors*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services}

{sub-limits apply}

Examples of maximum benefits

{Per monitor: $200}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $200 per service}

{combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage}

Examples of maximum benefits

{Initial visit: $21}

{Subsequent visit: $21}

Chiropractic*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $35}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $36}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $92.15}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $200 per service}

{combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage}

Examples of maximum benefits

{Initial visit: $24.5}

{Subsequent visit: $21}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $40}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Fluoride treatment: $11.5}

{Scale & clean: $49.5}

{Surgical tooth extraction: $100.1}

{Periodic oral examination: $22}

Health management / Healthy lifestyle

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Health management: 50% of charge}

Hearing aids*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services}

{sub-limits apply}

Examples of maximum benefits

{Hearing aid: $600}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: $660.8}

Non PBS pharmaceuticals*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

Examples of maximum benefits

{Per eligible prescription: $50}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $114}

{Subsequent visit: $78}

Optical

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $250}

{Single vision lenses & frames: $181}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,300 per person}

{$2,500 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 70% of charge}

Orthotics (podiatric orthoses)*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$850 per person}

{combined limit for blood glucose monitors, hearing aids, orthotics (podiatric orthoses) & other services}

Examples of maximum benefits

{Orthotics supply & fit: $105}

Osteopathy*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $43}

{Subsequent visit: $39.5}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $37}

{Subsequent visit: $29.5}

Podiatry*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $36}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $101}

{Subsequent visit: $86}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $200 per service}

{combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $38.5}

{Subsequent visit: $36}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per person up to $500 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, dietetics/dietary advice, eye therapy (orthoptics), occupational therapy, osteopathy, physiotherapy, podiatry, psychology, speech therapy & other services}

Examples of maximum benefits

{Initial visit: $85}

{Subsequent visit: $57}

Online Doctor Appointments, 100% of charge up to the yearly service limit of 6 per person, benefits payable for Blua Online Doctor Appointments only, benefits are not payable for services included in the Medicare Benefit Schedule (MBS), refer to blua.bupa.com.au for more details. Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice. Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), and Counselling (including Indigenous Counselling). Sub-limits may apply. Blood glucose monitors, hearing aids, orthotics, and other health aids, are payable under the Health Appliances category up to $850 per year. Sub-limits and restrictions apply. Blood glucose monitors are payable once per year (sub-limit $500). Hearing aids are payable once every 3 years (sub-limit $600). To find out about other health appliances included and relevant sub-limits and restrictions, please contact us.

This policy does not include General treatment (Extras) cover for

Audiology

Home nursing

Vaccinations

Other features of this general treatment cover: When requiring urgent hospital treatment as the result of an accident, the Accident Benefit can boost extras limits (subject to eligibility criteria).

HealthLink Advantage $750 Excess - Gold

Policy ID: BUP/J15D/DGJM1Y

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Bupa HI Pty Ltd

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