CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU

Transcription

1 CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU

2 At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for visiting Australia, you re in good hands.

3 HEALTHCARE IN AUSTRALIA We have been around for 65 years and understand that healthcare can be confusing to new visitors. That s why we aim to provide the best advice and support to help you find what s right for your needs. What is Medicare? Medicare is Australia s public healthcare system for all citizens and most permanent residents. It provides free or subsidised cover for certain healthcare services. Some international visitors may receive Medicare benefits if a treatment is considered medically essential. Do I have access to Medicare? Are you a visitor from a Reciprocal Health Care Agreement Country? Use our online tool to find out bupa.com.au/ visitors-medicare The Private Healthcare System The private system includes health insurers like Bupa, who work with Medicare to provide Australians with access to medical services and health providers. The Medicare Levy Surcharge (MLS) If you re eligible for Medicare, you may also need to pay the additional MLS on top of the Medicare Levy. Add Bupa Reciprocal Health Cover to your visitors cover to help eliminate this surcharge. Over 50% of Australians rely on Private Healthcare. Learn more at privatehealthcareaustralia.org.au Find out more about MLS here bupa.com.au/visitors-mls WATCH OUR YOUTUBE VIDEO BUPA.COM.AU/VISITORSHEALTHCOVER 1

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5 WHY HAVE PRIVATE HEALTH COVER? Don t forget Medicare does not cover ambulance, repatriation or extras. Meet visa requirements To be 100% sure you comply with the Australian Government s insurance requirements. Protect yourself from the unexpected If the unexpected happens during your stay you can be covered for treatments and medical care. 100% ambulance cover We take care of all emergency and non-emergency ambulance transport and treatment. Convenience Get peace of mind by choosing your doctor, plus where and when you d like to be treated. Repatriation cover We ll help cover the costs of returning you to your country of origin, if you choose one of our working covers. Extras cover Choose from a wide range of services including optical and dental. WATCH OUR YOUTUBE VIDEO BUPA.COM.AU/VISITORSHEALTHCOVER 3

6 WE RE HERE TO HELP FIND A HEALTHIER YOU TALK TO HEALTH PROFESSIONALS 24 hour advice line advice on simple medical problems medical translation services. SAVE MONEY Member Exclusives health and fitness travel, entertainment and experiences. Visit bupa.com.au/memberexclusives MANAGE YOUR HEALTH Bupa tools and apps set a personal running goal find out what s in your food explore your real health age. Visit bupa.com.au/apps FIND A PROVIDER Search for a service doctors, hospitals and Members First ancillary providers search by name, type or even your location. Visit bupa.com.au/find-a-provider 4

7 We re helping lots of people with their health insurance needs % Australian Government visa compliant Global. 22 million members across 190 countries Tom s story^ Tom had only been in Australia for two months when he developed acute tonsillitis. Tom s tonsils did not improve with treatment and became chronically infected, requiring urgent surgery. Tom was on a working visa and had only accrued a few days of leave and needed to be treated quickly. He went to a private hospital requiring an overnight stay and although the total cost was over $3400 because Tom had Gold Visitors Cover his contribution towards treatment was just $50. Age: 34 Trusted. 65 years of helping people reach their personal health goals Affordable. Cover from $3.16 a day # Occupation: IT Cover: Gold Visitors Cover ^Characters and stories are fictional and for illustrative purposes only. If a condition is pre-existing a 12 month waiting period applies. Figures quoted reflect actual amounts that applied to a Gold Visitors Cover customer. # Price includes GST and is based on our Essential Visitors Cover for a single person with 0% rebate. MORE INFO MORE BUPA.COM.AU/VISITORSHEALTHCOVER INFO BUPA.COM.AU/HOWTOUSEOVC 5

8 FIND THE RIGHT COVER FOR YOU Choose one of our packaged covers Yes OR Are you working? Visa types* 457, 485, 401, 402, 403 Create your own package *The visa types listed above are a guide only and many more are covered. Please speak to one of our helpful advisors if you need help or call

9 Packaged cover PAGE 8 & 9 Choose your hospital cover PAGE 8 & 9 AND OR Choose your extras cover PAGE 10 & 11 7

10 WORKING COVER AT A GLANCE All working covers include these features: 100% Australian Government visa compliant Access to Public Hospital Access to Private Hospital COMPREHENSIVE COVER Platinum This packaged cover includes Gold Hospital and Medical comprehensive hospital services high medical dollar benefits (AMA fee) high pharmacy benefits ($600 yearly limit). Extras 90% of fees covered^ Yearly limits Dental $1200* Optical $300 Physiotherapy $550* Hospital and Medical comprehensive hospital services high medical dollar benefits (AMA fee) high pharmacy benefits ($600 yearly limit). Want extras cover? Go to page 12 to choose your extras cover Chiropractic $550* Natural therapies $700* combined with other services Plus more, see bupa.com.au/visitors-facts $65.09 per week # Choose an excess to reduce your premium $46.86 per week # Choose an excess to reduce your premium There are other services that are not fully covered or not covered at all by Bupa under any of our covers. Yearly limits are based on year one maximums once the waiting period has been served. Fund rules, yearly limits and waiting periods apply. ^At all recognised providers. *This amount increases year on year up to a maximum of six years. # All prices include GST and are based on a single person with a 0% rebate. Sub-limits apply to Essential Plus. 8

11 Want to know more about these products? bupa.com.au/visitors-facts Access to Private Doctors and Specialists Repatriation cover 100% Ambulance cover BASIC COVER Essential Plus Essential This packaged cover includes Hospital and Medical basic hospital services medium medical dollar benefits (MBS fee) low pharmacy benefits ($300 yearly limit). Extras 50% of fees covered^ Yearly limits General Dental $300 Optical $150 Hospital and Medical basic hospital services medium medical dollar benefits (MBS fee) low pharmacy benefits ($300 yearly limit). Want extras cover? Go to page 12 to choose your extras cover Physiotherapy Chiropractic Natural therapies $200 combined limit $27.51 $22.11 per week # per week # Reciprocal Health Cover These covers don t include Reciprocal Health Cover which can be purchased to help eliminate the Medicare Levy Surcharge. For more info call Don t forget you may have a waiting period of up to 12 months. For more info visit bupa.com.au/visitors-facts FIND OUT WHAT S COVERED AND WHAT S NOT, VISIT BUPA.COM.AU/VISITORS-INFO 9

12 EXTRAS COVER AT A GLANCE Extras cover is an easy way to help maintain your health. That s why we have extras including dental, physio and natural therapies that can make all the difference to help keep your health on track. Extras are only available when combined with a level of Corporate Visitors cover. COMPREHENSIVE COVER Corporate Advantage Access a wide range of services with at least 90% back at our Members First providers. Extras cover Top level of extras cover 90% Minimum amount you get back Extras General dental Yearly limits Unlimited Major dental $1,100 Optical $300^ Physio Chiro $500 combined with other services $600 $1,200 Natural therapies $400 Corporate Classic Includes a wide range of extra services and generous benefits with at least 80% back at our Members First providers. Extras cover Medium level of extras cover 80% Minimum amount you get back Extras General dental Major dental Yearly limits $400 $500 Optical $240 Physio Chiro Natural therapies $400 combined with other services $500 $1,000 $600 combined with other services Members First provider network With our Extras covers, you can enjoy the advantages of our extensive network of dental, optical, physiotherapy and chiropractic providers. When you choose to visit a Members First provider, in most instances you will receive higher benefits and have the certainty of knowing how much you ll get back. 10

13 General dental Optical Physio Chiro Natural therapies Corporate Essentials BASIC COVER Cover for key extras services with at least 70% back at our Members First providers. Extras cover Basic level of extras cover 70% Minimum amount you get back Extras General dental Major dental Yearly limits $400 Optical $200 Physio Chiro Natural therapies $300 combined limit Set benefits A pre-defined amount you ll get back for a service when you get treatment from someone outside the Bupa Members First provider network. Yearly limits The most you can claim per person in a calendar year, depending on your cover. Loyalty Maximums We increase how much you can claim each year by 20% of the initial amount for some extras services (applies after the first 12 months up to a maximum increase of up to 100%). Gap free optical You ll have access to the no gap range of fixed priced packages on glasses and contact lenses at no additional cost if you visit our Members First optical providers. No gap for kids We ll cover the cost of your kids physio and general dental in most instances until they turn 25* (available under Corporate Advantage and Corporate Classic Covers). See more details on page 12 and 13 Per person 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. ^At Members First optical providers only. A lower limit applies at other providers. On selected optical packages. Conditions apply. Optical benefits are subject to your level of cover, fund rules, annual maximums and waiting periods. *When treatment is provided by a Members First physiotherapist or dentist. Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. TO FIND OUT MORE ON WHAT YOU CAN CLAIM, VISIT BUPA.COM.AU/BENEFIT-GUIDES 11

14 CHOOSE YOUR EXTRAS COVER This table shows yearly limits per person. Corporate Advantage Services Waiting periods At least 90% Back General dental Gap free general dental for kids* Major dental 2 months Unlimited $1, months Orthodontics $1,200 Lifetime Limit $2,600 Optical No gap optical^ Chiropractic and osteopathy Physiotherapy 2 months Year $300 $250 $600 $1,200 Amount $500 $600 $700 Year Amount $800 $900 $1,000 Gap free physio for kids* Ante and Post Natal Combined with Physiotherapy Living Well 6 months $100 Pharmacy** $450 Natural therapies $400 Psychology Dietary $500 $1,000 Podiatry (excludes orthotics) 2 months Speech Therapy $500 Eye Therapy Occupational Therapy Home Nursing $350 Health aids and appliances + 12 months 90% of the cost to yearly limit Sub-limits apply. Travel and accommodation 2 months $100 Travel $150 Accommodation Accident Benefit^^ Nil $2,000 $4,000 Per person Members First Non-Members First Per membership Combined Maximum New members 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. *When treatment is provided by a Members First physiotherapist or dentist. Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. 12

15 Choose your own extras Corporate Classic At least 80% Back Corporate Essentials At least 70% Back Year Amount $400 $480 $560 Year Amount $640 $720 $800 $400 Year Year Amount $0 $500 $600 Year Amount $700 $800 $900 $1,000 Lifetime Limit for orthodontics $1,600 $400 Combined with general dental $240 $200 $500 $1,000 Amount $400 $480 $560 Year Amount $640 $720 $800 $300 Combined with Physiotherapy $100 $100 $300 $150 Combined with Physiotherapy $600 $350 Combined with Natural therapies 80% of the cost to yearly limit Sub-limits apply. $100 Travel $150 Accommodation $2,000 $4,000 ^On selected packages at Members First optical providers. Conditions apply. Optical benefits are subject to your level of cover, annual maximums and waiting periods. **Benefits for prescription items that are non-pbs, TGA approved, and not appearing on our exclusions list. +A combined annual maximum applies to this service category. Limits apply. ^^When an accident requires urgent hospital treatment, you can boost annual maximums on extras or pay for your hospital excess. 13

16 FOR MORE INFORMATION bupa.com.au/overseas Visit your local Bupa centre Bupa PO Box MELBOURNE VIC 8001 Bupa Australia Pty Ltd ABN Effective 1 April S 14 The World of Bupa Health Cover Health Coaching & Programs International Health Cover Corporate Health Solutions Optical Products & Services Dental Services Aged Care Medical services Travel, Home & Car Insurance Life Insurance