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Bupa HI Pty Ltd

HealthLink Advantage $750 Excess - Gold

Corporate Policy

$665.85 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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 (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 31), as well as persons with a disability who qualify as a child, non-classified* dependant and 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/NHOC1D

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • 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.

Extras Cover

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: $17.55
  • Subsequent visit: $17.55
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: $40
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: $41
Endodontic 12

$1,300 per person

combined limit for endodontic & major dental

  • Filling of one root canal: $103.6
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: $45
General dental* 2

$400 per person

  • Fluoride treatment: $15
  • Scale & clean: $52.5
  • Surgical tooth extraction: $107.75
  • Periodic oral examination: $24
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: $672
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: $120.5
  • Subsequent visit: $78
Optical 2

$250 per person

  • Multi-focal lenses & frames: $234
  • Single vision lenses & frames: $163.5
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: $49
  • Subsequent visit: $45.5
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: $38.5
  • Subsequent visit: $30.5
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: $45
  • Subsequent visit: $35
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: $98
  • 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: $95
  • 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: $17.55}

{Subsequent visit: $17.55}

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: $40}

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: $41}

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: $103.6}

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: $45}

General dental*

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

Examples of maximum benefits

{Fluoride treatment: $15}

{Scale & clean: $52.5}

{Surgical tooth extraction: $107.75}

{Periodic oral examination: $24}

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: $672}

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: $120.5}

{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: $234}

{Single vision lenses & frames: $163.5}

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: $49}

{Subsequent visit: $45.5}

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: $38.5}

{Subsequent visit: $30.5}

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: $45}

{Subsequent visit: $35}

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: $98}

{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: $95}

{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).

Ambulance cover

In NSW & ACT this policy provides:

Emergency: Unlimited with no waiting period.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: You are covered for the uncapped costs associated with emergency ambulance transport services (via air or road) including on-the-spot emergency attendances where the service is provided by a Bupa recognised ambulance service. The following ambulance services are recognised by Bupa: ACT Ambulance Service, Ambulance Service of NSW, Ambulance Victoria, Queensland Ambulance Service, South Australia Ambulance Service, St John Ambulance NT, St John Ambulance WA, and Ambulance Tasmania. If you are eligible to claim from another source, a benefit won’t be paid by Bupa.

For further information about this policy see: http://www.bupa.com.au/health-insurance/cover/ambulance

Insurer Details

Bupa HI Pty Ltd

HealthLink Advantage $750 Excess - Gold

Corporate Policy

$665.85 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/BUP/J15D/NHOC1D

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