CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU

Size: px
Start display at page:

Download "CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU"

Transcription

1 CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE 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. 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/corporate-info Unsure of any words? Visit bupa.com.au/glossary For more information bupa.com.au/corporate To log in, your user name is anupds and password healthplan Visit a local Bupa centre

3 1

4 Simple affordable cover to suit you now COMPETITIVE CORPORATE COVER outstanding VALUE Corporate hospital and extras cover Designed to suit different needs. Gap free same day treatment 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). Members First Provider Network Our national network of hospital and extras^ providers can help you to reduce or eliminate out-of-pocket expenses. ^Dental, optical, physio & chiro. 2

5 Easy and Convenient MoRE than health InsuRAnce 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. 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. 3

6 4

7 5

8 Ultimate Corporate Health Cover To see a list of what's covered and what's not covered, see page 10 and 11. There are some situations you won't be covered for and you may have to pay an out-of-pocket cost. For more info, read the Important Information Guide at bupa.com.au/corporate-info Ultimate Corporate Health Cover Our premium option for ultimate peace of mind, with top hospital and extras cover and our dedicated 24/7 advice line. Top level of hospital cover Top level of extras cover 100% Amount you get back # (limits apply) You receive: 100% back # at any recognised provider up to the first $500 per person per year for general dental 100% back at any recognised provider for major dental and orthodontics up to yearly limits per person 100% back # at any recognised provider up to the first $350 per person per year for physio and chiro. Extras General Dental Yearly limits Unlimited Major Dental $1,600 Optical $420^ Physio $1,500 Chiro $1,000 t $1,600 Natural therapies $1,000 Ultimate Corporate Health Cover includes these hospital features: Emergency ambulance Medical cover Private hospital cover Plus more, see page 10 for the full list t Per person Per membership # For most items at all recognised providers covering dental, physio & chiro. Excludes hospital treatments. Fund rules, waiting periods and yearly limits apply. ^At Members First Optical providers only. A lower limit applies at other providers. 6

9 BONUS Ultimate CORPORATE Health Cover features Medical gap bonus receive $200 when you join and every calendar year thereafter. This can be used towards a doctor or specialist s out-of-pocket costs (whilst in hospital) and any unused bonus amounts will accumulate each year 100% rebate on Ambulance subscription 100% back on laser eye surgery at recognised providers. Plus: Accident benefit If you are hospitalised due to an accident an additional $2,000 per person, $4,000 per membership can be put towards extras claims once you ve reached your extras yearly limits. 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.* Private room offer At our Members First hospitals, you ll receive a private room when you book your overnight stay, otherwise receive $50 back per night (when a private room is not available).** On selected optical packages. Conditions apply. Optical benefits are subject to your level of cover. Fund rules, waiting period 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. **Conditions apply contact us for details. 7

10 Hospital cover at a glance Hospital cover helps cover your costs as a private patient in hospital, including treatment and accommodation. Choose from our three excellent options depending on your needs and budget. There are some situations you won t be covered for and you may have to pay an out-of-pocket cost. For more info, read the Important Information Guide at bupa.com.au/corporate-info CoMPREhensiVE cover Corporate Hospital Top Comprehensive cover, with additional benefits including Family in-hospital benefit and no excess for kids. Corporate Hospital Intermediate Our medium level of hospital cover, includes cover for cardiac, pregnancy and no excess for kids. Minimum benefits apply to some services. Top level of hospital cover Medium level of hospital cover NIL EXCESS $ 250 EXCESS $ 500 EXCESS NIL EXCESS $ 250 EXCESS $ 500 EXCESS All covers above include these hospital features: Emergency ambulance Medical cover Private hospital cover Plus more, see page 10 for the full list 8

11 Basic cover Corporate Hospital Saver Budget-friendly hospital cover, with minimum benefits on the things less likely to be needed. Basic level of hospital cover NIL EXCESS $ 250 EXCESS $ 500 EXCESS *If you choose to be treated as a private patient in a public hospital and choose a private room, you may have to pay an out-of-pocket charge. ^Conditions apply contact us for details. 9

12 Compare and choose your hospital cover For full details of what's covered and what's not, see the Important Information Guide at bupa.com.au/corporate-info Packages Hospital only Ultimate Corporate Health Cover Corporate Hospital Top Corporate Hospital Intermediate Corporate Hospital Saver Psychiatric services Rehabilitation services Pregnancy (including childbirth) IVF & assisted reproductive services * Cardiac services Renal dialysis Cataract and eye lens procedures Hip/knee replacement All other joint replacements Gastric banding & obesity related treatment * (includes abdomnioplasty) Knee Arthroscopy and Meniscectomy Procedures Appendicitis Removal of Tonsils and Adenoids Dental Surgery Minor Gynaecological Surgery All other in-patient treatments receiving Medicare Benefits Cosmetic surgery not clinically required Health subscription refunds^ Family in-hospital benefit Emergency Ambulance Excess option NIL NIL $250 $500 NIL $250 $500 No excess for kids NIL $250 $500 Want to see the extras cover that comes with your package? Go to page 14 *Effective 1 June ^Available on Corporate Hospital Top Nil and $250 excess only. 10

13 11

14 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 hospital 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 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 Yearly limits Extras Yearly limits General dental Unlimited General dental $400 ¾ Major dental $1,100 Major dental $500 ¾ Optical $300^ $500 ¾ Physio combined with other services Chiro $600 t $1,200 Natural therapies $400 Optical $240 $400 ¾ Physio combined with other services $500 t Chiro $1,000 $600 Natural therapies 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. 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. 12

15 General dental Optical Physio Chiro Natural therapies Basic cover Corporate Essentials 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 See more details on page 14 and 15 t Per person Per membership 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 13

16 Choose your extras cover This table shows yearly limits per person. Services Waiting periods Packaged Ultimate Up to 100% back # (limits apply) General dental Gap free general dental for kids* Major dental 2 months Unlimited $1, months Orthodontics $1,400 t Lifetime Limit $3,200 Optical No gap optical^ Chiropractic and osteopathy $420 Ë $300 º $1,000 t $1,600 Physiotherapy 2 months $1,500 Gap free physio for kids* Ante and Post Natal $500 Living Well (see page 16) 6 months $300 Pharmacy** $1,500 Natural therapies $1,000 t Massage sub-limits: $250 t $500 Psychology $1,000 Dietary $1,000 Podiatry (excludes orthotics) 2 months $1,000 Speech Therapy $1,000 Eye Therapy $1,000 Occupational Therapy $1,000 Home Nursing $400 Health aids and appliances + 12 months $1,000 t combined limit for defined appliances and individual limits for other appliances. Limits and/or sub-limits may apply per item. Travel and accommodation 2 months $200 travel, $300 accommodation Accident Benefit^^ Nil $2000 t $4000 Emergency ambulance Nil 1 trip per year (singles)/2 trips per membership (couples and families) t Per person Ë Members First º Non-Members First Per membership Combined Maximum t New members # For most items at all recognised providers covering dental, physio & chiro. Excludes hospital treatments. Fund rules, waiting periods and yearly limits 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. ^On selected packages at Members First optical providers. Conditions apply. Optical benefits are subject to your level of cover, fund rules, annual maximums and waiting periods. 14

17 Choose your own extras Corporate Advantage Corporate Classic Corporate Essentials At least 90% Back At least 80% Back At least 70% Back Unlimited Year Amount $400 $480 $560 Year Amount $640 $720 $800 $400 Year $1,100 Year Amount $0 t $500 $600 Year Amount $700 $800 $900 $1,000 $400 Combined with general dental $1,200 t Lifetime Limit $2,600 Lifetime Limit for orthodontics $1,600 t $300 Ë $250 º $240 $200 $600 t $1,200 $500 t $1,000 Amount $500 $600 $700 Year Amount $800 $900 $1,000 Year Amount $400 $480 $560 Year Amount $640 $720 $800 $300 Combined with Physiotherapy Combined with Physiotherapy $100 $100 $100 $450 $300 $150 $400 Combined with Physiotherapy $500 t $1,000 $500 $600 $350 $350 $850 90% of the cost to yearly limit t Sub-limits apply. Combined with Natural therapies 80% of the cost to yearly limit t Sub-limits apply. $100 Travel $150 Accommodation $2,000 t $4,000 1 trip per year (singles) 2 trips per membership (couples and families) 15

18 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.

19 Bupa health cover MADE EAsy Log in to bupa.com.au/corporate To log in, your user name is anupds 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/corporate-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: bupa.com.au/corporate To log in, your user name is anupds and password healthplan Visit a local Bupa centre 17

20 For more information bupa.com.au/corporate Visit your local Bupa centre Bupa PO Box MELBOURNE VIC 8001 Bupa Australia Pty Ltd ABN Effective 1 September S 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

corporate health cover

corporate health cover 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.

More information

CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU

CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU 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.

More information

CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU

CORPORATE VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU CORPORATE VISITORS HEALTH 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. So whatever your reason for visiting

More information

ANZ Health Insurance. anz.com A2719/0410 BUPA 04409-03-10S

ANZ Health Insurance. anz.com A2719/0410 BUPA 04409-03-10S A2719/0410 BUPA 04409-03-10S Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ) Effective date 1

More information

OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU

OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU OVERSEAS STUDENT HEALTH 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. We focus on your health, so you

More information

ADVANTAGE OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU

ADVANTAGE OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU ADVANTAGE OVERSEAS STUDENT HEALTH 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. We focus on your health,

More information

OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU

OVERSEAS STUDENT HEALTH COVER BUPA. FIND A HEALTHIER YOU OVERSEAS STUDENT HEALTH 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. We focus on your health, so you

More information

SHORT STAY VISITORS COVER BUPA. FIND A HEALTHIER YOU

SHORT STAY VISITORS COVER BUPA. FIND A HEALTHIER YOU SHORT STAY VISITORS 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. So whatever your reason for visiting

More information

CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS

CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS A B WELCOME TO BUPA We all want to live longer, healthier, happier lives. Bupa has a range of health covers designed to help find a healthier you.

More information

Corporate health COVER. Bringing you corporate Benefits

Corporate health COVER. Bringing you corporate Benefits Corporate health COVER Bringing you corporate Benefits We ll help find a healthier you It s our purpose that makes us different we want our members to live longer, healthier, happier lives. We offer more

More information

CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS

CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS A B WELCOME TO BUPA We all want to live longer, healthier, happier lives. Bupa has a range of health covers designed to help find a healthier you.

More information

$250 / $500. Waiting period. No Waiting Period. 2 months. 2 months. 2 months. 2 months. 2 months. 2 months. 2 months. 2 months. 12 months.

$250 / $500. Waiting period. No Waiting Period. 2 months. 2 months. 2 months. 2 months. 2 months. 2 months. 2 months. 2 months. 12 months. BudgetFamily 4_2016 Budget Family Hospital Cover Mid Extras Cover Mid 1 April 2016 No excess for kids Excess options Copayment Packaged cover At a glance $250 / $500 Members First % $0/day, cap: $0 60%

More information

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Western Australia. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Western Australia. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Taking a fresh approach ANZ Health Insurance Easy Reference Guide Western Australia Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking

More information

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide New South Wales. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide New South Wales. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Taking a fresh approach ANZ Health Insurance Easy Reference Guide New South Wales Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group

More information

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Queensland. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Queensland. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Taking a fresh approach ANZ Health Insurance Easy Reference Guide Queensland Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited

More information

VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU

VISITORS HEALTH COVER BUPA. FIND A HEALTHIER YOU VISITORS HEALTH 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. So whatever your reason for visiting Australia,

More information

01 Start with hospital cover

01 Start with hospital cover 01 Start with hospital cover nib private hospital covers pay benefits toward the cost of treatment in an nib Agreement Private Hospital or any public hospital. We recommend top hospital cover for peace

More information

Ultimate Health Cover

Ultimate Health Cover Ultimate Health Cover 1 April 2013 Your level of cover is a packaged hospital and extras cover. HOSPITAL COVER Your hospital cover provides comprehensive cover that helps pay for hospital and in-patient

More information

Health Insurance. Visitors Health Cover

Health Insurance. Visitors Health Cover Health Insurance Visitors Health Cover Healthcare in Australia At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives. So whatever your reason for

More information

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Tasmania. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655

ANZ Health Insurance. Taking a fresh approach. Easy Reference Guide Tasmania. Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Taking a fresh approach ANZ Health Insurance Easy Reference Guide Tasmania Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited

More information

COVER SUMMARY ULTRA HEALTH COVER

COVER SUMMARY ULTRA HEALTH COVER COVER SUMMARY ULTRA HEALTH COVER This provides an important summary of your cover and we recommend that you read and retain it. You can find out more about your membership by referring to the Member Guide,

More information

30 DAY. How to choose. Contents GUARANTEE. Get your personalised quote today. It s worth it. Start with hospital cover. Tailor your Extras

30 DAY. How to choose. Contents GUARANTEE. Get your personalised quote today. It s worth it. Start with hospital cover. Tailor your Extras Product information How to choose Contents How to choose 1 Start with hospital cover 2 Tailor your Extras 6 Top Extras 8 01 02 Start with hospital cover We recommend our top hospital cover for peace of

More information

BUPA HOSPITAL COVERS WHAT YOU NEED TO KNOW AT A GLANCE

BUPA HOSPITAL COVERS WHAT YOU NEED TO KNOW AT A GLANCE BUPA S WHAT YOU NEED TO KNOW AT A GLANCE CONTENTS Retail hospital covers at a glance 3 Corporate hospital covers at a glance 18 Visitors hospital covers at a glance 22 New Bupa membership cards 28 Bupa

More information

straightforward health insurance Your Health Cover Options

straightforward health insurance Your Health Cover Options straightforward health insurance Your Health Cover Options 1 Welcome to GMF Health Why you need GMF Health cover GMF Health has been helping the people of Western Australia for over 60 years. Over that

More information

Save on your health cover with Deakin University

Save on your health cover with Deakin University Save on your health cover with Deakin University Welcome to the Deakin University Health Plan a special health insurance arrangement introduced by Deakin University in conjunction with Health Link Consultants

More information

Health Insurance Product Information Brochure

Health Insurance Product Information Brochure Need help? Sales: 13 50 50 Go to apia.com.au Claims and service: 1800 274 213 Email: apiahealth@nib.com.au Mon to Fri: 8am - 8.30pm Sat: 8am - 1pm (AEST) Health Insurance Product Information Brochure This

More information

Health Insurance. Freedom of choice Peace of mind For better health. Corporate health cover

Health Insurance. Freedom of choice Peace of mind For better health. Corporate health cover Health Insurance Freedom of choice Peace of mind For better health health cover Everyone has the right to better health Choosing private health insurance can be confusing, from trying to decide whether

More information

Medibank Corporate Health Cover. Presenter Date: 27/03/2012

Medibank Corporate Health Cover. Presenter Date: 27/03/2012 Medibank Corporate Health Cover Presenter Date: 27/03/2012 New Medibank corporate health cover. It works for you. Why choose Medibank corporate health cover? You will have greater control over your health

More information

Cover Comparison. Effective 1 April 2015

Cover Comparison. Effective 1 April 2015 Effective 1 April 2015 Cover Comparison PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. WAITING PERIODS! Immediate cover 2 Months 6 Months

More information

OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY

OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY A WELCOME TO AUSTRALIA While you re in Australia for study the last thing you want to worry about is what happens if you get sick or have an

More information

Overseas Visitors Cover

Overseas Visitors Cover straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable

More information

Private Plus Hospital - $250/$500 Excess & Basic Extras Effective 1 September 2014

Private Plus Hospital - $250/$500 Excess & Basic Extras Effective 1 September 2014 Mail: Locked Bag 25, Wollongong NSW 2500 - Phone: 1800 148 626 - Fax: 1300 673 406 Email: info@onemedifund.com.au - Web: www.onemedifund.com.au Private Plus Hospital - $250/$500 Excess & Basic Extras Effective

More information

An easy guide to buying private health insurance.

An easy guide to buying private health insurance. An easy guide to buying private health insurance. Getting private health insurance for tax a very simple check list 1 To save on tax you need appropriate hospital cover Most hospital covers will qualify

More information

CORPORATE VISITORS HEALTH COVER ENJOY CORPORATE BENEFITS FOR YOUR STAY

CORPORATE VISITORS HEALTH COVER ENJOY CORPORATE BENEFITS FOR YOUR STAY CORPORATE VISITORS HEALTH COVER ENJOY CORPORATE BENEFITS FOR YOUR STAY A WELCOME TO AUSTRALIA While you re in Australia for business, the last thing you want to worry about is what happens if you get sick

More information

Simply better health cover.

Simply better health cover. Simply better health cover. Welcome to Health Partners Congratulations on taking an important step towards investing in your most important asset your health. We understand that deciding on a health fund

More information

Let s get. Health Cover for Everyone.

Let s get. Health Cover for Everyone. Let s get together. Health Cover for Everyone. Finding the right health insurance partner has benefits. Health Partners is a South Australian member owned health fund, run only to benefit members. It s

More information

Active Choice. Young Choice. Effective 1 April 2015

Active Choice. Young Choice. Effective 1 April 2015 Effective 1 April 2015 Active Choice Young Choice PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. For cover that s hassle free and easy

More information

COVER SUMMARY FOR SECURITY - ESSENTIALS

COVER SUMMARY FOR SECURITY - ESSENTIALS COVER SUMMARY FOR SECURITY - ESSENTIALS This cover is only available for singles and couples. This provides an important summary of your cover and we recommend that you read and retain it. You can find

More information

HEALTH COVER HOSPITAL AND EXTRAS

HEALTH COVER HOSPITAL AND EXTRAS HEALTH COVER HOSPITAL AND EXTRAS APRIL 2013 Latrobe Health Services proudly supports and complies with the Private Health Insurance Code of Conduct 1300 362 144 member service centre 8:30am - 5:30pm weekdays

More information

Public Hospital. Bronze Extras * Ambulance cover

Public Hospital. Bronze Extras * Ambulance cover Effective 1 July 2015 Hospital & Bronze Extras * *This cover is closed to new members Our Hospital & Bronze Extras cover gives you cover as a private patient in a public hospital for most services, as

More information

Member Guide. Victoria Sept 2012

Member Guide. Victoria Sept 2012 Member Guide Victoria Sept 2012 Contents atthe heartof ourhealthy community weare Why do I need private health insurance?...2 Why choose GMHBA?...3 Mix and match to suit your needs...4 What life stage

More information

GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY

GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY About Bupa Bupa is a healthcare leader, proudly looking after the needs of more than three million Australians. We have been around for over 60 years and we re

More information

active choice TUH it s my health fund! comprehensive, efficient and friendly service right from the word go TUH offers

active choice TUH it s my health fund! comprehensive, efficient and friendly service right from the word go TUH offers Effective 2 April 2014 Queensland s health fund of choice active choice TUH offers comprehensive, efficient and friendly service right from the word go TUH it s my health fund! Far West Outback PLEASE

More information

We re the only brand that has a range of smart covers with no individual limits on Extras helping you

We re the only brand that has a range of smart covers with no individual limits on Extras helping you ahm s number one focus is helping over 370,000 members make the most of their cover, by taking a no-nonsense approach to health insurance, cutting out unnecessary costs and offering more choice. ahm is

More information

Young singles & couples cover

Young singles & couples cover Young singles & couples cover Why take out private health insurance? It pays to take out private health insurance while you re young At GMHBA, we understand the decision to get private health insurance

More information

Not-for-profit BIG benefits

Not-for-profit BIG benefits Not-for-profit BIG benefits Information & Benefits 1st of April 2015 1 Welcome to the Health Fund that puts you first. With over 60 years servicing the needs of our members, Phoenix Health Fund continues

More information

Cover for the whole family

Cover for the whole family Cover for the whole family Why take out private health insurance? Enjoy the peace of mind of knowing your family is protected with family health cover Private health insurance allows you to be safe in

More information

nib OSHC Premium Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth

nib OSHC Premium Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW 2300

More information

Hospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer.

Hospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Hospital Guide Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Contents Page 3 Things you should know before you go to hospital

More information

A Guide to GloHealth Cover

A Guide to GloHealth Cover A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Out-Patient Scans Women s & Men s Health

More information

Hospital Cover. Effective 1 April 2015

Hospital Cover. Effective 1 April 2015 Effective 1 April 2015 Hospital Cover PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. Whether you re starting out, raising a family or just

More information

Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131. or visit austhealth.

Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131. or visit austhealth. Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131 or visit austhealth.com A subsidiary of nib holdings limited IMAN Australian Health Plans

More information

Corporate. Choosing your. it s worth it. health cover for the real world

Corporate. Choosing your. it s worth it. health cover for the real world Corporate Choosing your He alth COVer health cover for the real world it s worth it Welcome to nib At nib, we believe Private Health Insurance should be easy to understand, easy to claim on and most of

More information

Extras Plus Effective 1 October 2014

Extras Plus Effective 1 October 2014 Mail: Locked Bag 25, Wollongong NSW 2500 - Phone: 1800 148 626 - Fax: 1300 673 406 Email: info@onemedifund.com.au - Web: www.onemedifund.com.au Extras Plus Effective 1 October 2014 Benefit Summary Note:

More information

Health Magazine. Still great value health cover. Members. We re here for you. March 2015

Health Magazine. Still great value health cover. Members. We re here for you. March 2015 Members Health Magazine March 2015 A Westfund Health Publication Still great value health cover Pay premiums in advance & save $$ We re still great value for money We ve introduced new covers New Bowel

More information

Services. Essential Extras. Premier Extras

Services. Essential Extras. Premier Extras cover Acupuncture 3 3 3 Ambulance 3 3 7 Audiology (Hearing Tests) 3 3 7 Chiropractic 3 3 3 Dental General 3 3 3 Dental Major (excl. Orthodontics) 3 3 7 Diabetes Education 3 3 7 Diabetes Australia Membership

More information

COVER FOR OVERSEAS VISITORS WORKING VISAS

COVER FOR OVERSEAS VISITORS WORKING VISAS CVER FR VERSEAS VISITRS WRKING VISAS Effective 1 April 2011 WELCME T AUSTRALIA If you re visiting Australia to work, the last thing you want to worry about is what happens if you get sick or have an accident.

More information

Choosing the right nib cover for you. Why you need health cover and all the great reasons to be with nib

Choosing the right nib cover for you. Why you need health cover and all the great reasons to be with nib Choosing the right nib cover for you Why you need health cover and all the great reasons to be with nib Private health cover opens up a world of choice While it s great that all Australians are entitled

More information

DID YOU KNOW? IMPORTANT INFORMATION

DID YOU KNOW? IMPORTANT INFORMATION i DID YOU KNOW? IMPORTANT INFORMATION Why Medibank? Medibank is more than just about insuring your health. We have the people, services and resources to be your personal health partner, helping you to

More information

Health Partners Package Cover Prime Living

Health Partners Package Cover Prime Living This document provides an overview of our package cover. Please read and retain it in conjunction with Health Partners Product Disclosure Statement (PDS) which is available at healthpartners.com.au/pds

More information

Core Health Insurance Plans

Core Health Insurance Plans .. Core Health Insurance Plans A Guide To GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Family Protection

More information

HEALTH INSURANCE FOR. singles and couples EFFECTIVE 1 FEBRUARY 2012. better health cover shouldn t hurt

HEALTH INSURANCE FOR. singles and couples EFFECTIVE 1 FEBRUARY 2012. better health cover shouldn t hurt HEALTH INSURANCE FOR singles and couples EFFECTIVE 1 FEBRUARY 2012 better health cover shouldn t hurt welcome to Queensland Country Health Fund In short, Queensland Country Health Fund has been at it for

More information

Hospital covers compared

Hospital covers compared Contribution rates for NSW & ACT 3 3 SINGLE Top Hospital $51.20 $111.00 $73.20 $158.60 Private Hospital Saver 300 $43.65 $94.60 $62.40 $135.20 Private Hospital Saver 500 $41.55 $90.05 $59.40 $128.70 Mid

More information

Health insurance for ADF and active Reservists. We look after you like family.

Health insurance for ADF and active Reservists. We look after you like family. Health insurance for ADF and active Reservists We look after you like family. Issued April 2015 Contents Introduction 1 Members Own Health Fund 2 Who s eligible to join 3 Why you re better off with private

More information

Premium Health Insurance Plans

Premium Health Insurance Plans Premium Health Insurance Plans A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Out-Patient

More information

Comprehensive Extras Cover

Comprehensive Extras Cover Effective?? 1 April????????? 2015 2015 Comprehensive Extras Cover PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. WAITING PERIODS The extras

More information

Product Brochure JUNE 2015. www.cbhs.com.au

Product Brochure JUNE 2015. www.cbhs.com.au Product Brochure JUNE 2015 www.cbhs.com.au Contact us CBHS Health Fund Limited ABN 87 087 648 717 A Registered Private Health Insurer Call CBHS Member Care 1300 654 123 Monday to Friday, 7.00am 7.00pm

More information

Our Product Disclosure Statement (PDS)

Our Product Disclosure Statement (PDS) Our Product Disclosure Statement (PDS) Your HIF Hospital and Extras health cover in detail. Visit online to get a quote and join (or switch). Call 1300 13 40 60 hif.com.au Australia s first certified Carbon

More information

MEDIBANK OVERSEAS STUDENT HEALTH COVER

MEDIBANK OVERSEAS STUDENT HEALTH COVER MEDIBANK OVERSEAS STUDENT HEALTH COVER Studying in a foreign country is an exciting experience Keeping healthy will help you get the most out of your studies and ensure you enjoy your time in Australia.

More information

Overseas Visitors Health Cover

Overseas Visitors Health Cover Overseas Visitors Health Cover Valid until 2014-15 Reg. No. 5037 Health Insurance Australia 2009-2014 February 2015 Overseas Visitors Health Cover Welcome to Australia Like most countries, healthcare in

More information

Prime Health Package. Premium cover to help keep you in prime health

Prime Health Package. Premium cover to help keep you in prime health Prime Health Package Premium cover to help keep you in prime health Contents 4 Everything you need to know about your Essentials cover 4 Dental 4 Clinical psychology 6 Optical 6 Pharmacy 6 Podiatry surgery

More information

Ultimate choice. TUH it s my health fund! so why is TUH the best choice for you! Extended dependant cover. Effective 4 April 2012

Ultimate choice. TUH it s my health fund! so why is TUH the best choice for you! Extended dependant cover. Effective 4 April 2012 Effective 4 April 2012 PLEASE ENSURE THAT THIS BROCHURE IS READ CAREFULLY AND RETAINED. Ultimate choice This package is the NUMBER ONE choice for superior health insurance. Ultimate Choice is designed

More information

Tasmania STATE PREMIUMS & BENEFITS

Tasmania STATE PREMIUMS & BENEFITS Tasmania STATE PREMIUMS & BENEFITS At Emergency Services Health, we make your private health insurance choices as simple as possible to ensure maximum value. Our products are straightforward, great value

More information

black+white lite flexi

black+white lite flexi Your guide to black+white lite flexi Hospital and extras cover with a bit more peace of mind. The information contained in this document is current at the time of issue: February 2017 Read about what s

More information

Health insurance for ADF and active Reservists Experience family value

Health insurance for ADF and active Reservists Experience family value Health insurance for ADF and active Reservists Experience family value Issued September 2014 Contents Introduction 1 Who s eligible to join 2 Why you re better off with private 3 health insurance Types

More information

standard cover For standard hospital and extras. Your guide to

standard cover For standard hospital and extras. Your guide to Your guide to For standard hospital and extras. The information contained in this document is current at the time of issue: October 2016 Read about what s in, what s out and what it s all about (P.S. we

More information

hospital cover with/without excess TUH it s my health fund!

hospital cover with/without excess TUH it s my health fund! Effective 2 April 2014 Your Queensland health fund hospital cover with/without excess We are not just numbers in TUH, but individuals who have been listened to and treated with compassion TUH it s my health

More information

Easy Choice Packaged Cover

Easy Choice Packaged Cover Easy Choice Packaged Cover Effective 12 April 2016 Please carefully read and retain this brochure. Please read in conjunction with the Important Information Guide. Information in this brochures is correct

More information

Health insurance that gives you more. March 2014

Health insurance that gives you more. March 2014 Health insurance that gives you more March 2014 1 We're committed to giving you more As Australia s largest not-for-profit health fund, we return the highest benefits back to our members, not shareholders

More information

Your guide to choosing the health insurance that gives you more.

Your guide to choosing the health insurance that gives you more. Your guide to choosing the health insurance that gives you more. April 2012 The Hospitals Contribution Fund of Australia Limited. ABN 68 000 026 746 HEAD OFFICE: 403 George Street, Sydney NSW 2000 Telephone:

More information

Membership Guide simply better benefits

Membership Guide simply better benefits April 2015 Membership Guide simply better benefits A Contents About the Reserve Bank Health Society 1 Why join the RBHS? 2 Private health insurance coverage 3 New to private health insurance? 4 Benefits

More information

www.nextstepaustralia.com Healthcare in Australia

www.nextstepaustralia.com Healthcare in Australia www.nextstepaustralia.com Healthcare in Australia Healthcare in Australia Australia has a complex healthcare system including both public & private provision. Medicare the state-run healthcare scheme is

More information

ADF Total Package. Your hospital cover. Favourite features. What s covered. What s restricted. What s excluded. Comprehensive ambulance cover

ADF Total Package. Your hospital cover. Favourite features. What s covered. What s restricted. What s excluded. Comprehensive ambulance cover ADF Total Package Product Guide Effective from 1 September 2014 The ADF Total Package has been specially designed with permanent ADF and active Reservist families in mind. It gives you our best protection

More information

Fit and active cover

Fit and active cover Fit and active cover Why take out private health insurance? Your fit and active lifestyle keeps you healthy but it pays be take out private health insurance with special rewards for your way of life. We

More information

Simply Smarter Health Insurance

Simply Smarter Health Insurance Simply Smarter Health Insurance Member Guide Contents Introduction to Budget Direct Health Insurance...2 Application for membership with Budget Direct Health Insurance...2 Membership card...3 Communications

More information

Key Features Guide. What you should know before purchasing private health insurance

Key Features Guide. What you should know before purchasing private health insurance Key Features Guide What you should know before purchasing private health insurance Table of Contents USING THIS GUIDE.......................................................... 2 KEY FEATURES OF HEALTH

More information

Extras Cover (as at April 2015)

Extras Cover (as at April 2015) April 2015 Page 2 of 12 Extras Cover (as at April 2015) Benefits are rebated at 90% of the fee charged for each service/item, up to the maximum benefit payable. Item numbers have been shown where possible

More information

This brochure has been written to. help you make the right choice of personal. health cover. To help you, we d like to

This brochure has been written to. help you make the right choice of personal. health cover. To help you, we d like to Hospital Cover Why HBF?... 4 What about the public hospital system?... 6 Why private health insurance?... 8 Choices to suit every body... 10 1. Top Hospital... 10 2. Intermediate Hospital... 10 3. Healthy

More information

Private Hospital Cover - $250 excess

Private Hospital Cover - $250 excess Private Hospital Cover - $250 excess Effective 1 July 2010 You want a comprehensive private hospital cover that provides for the health needs of yourself and everyone in your family. You don t mind paying

More information

MOTOR VEHICLE, BOAT AND CARAVAN INSURANCE COVER FOR THE THINGS THAT MOVE YOU 10% OFF FOR BUPA HEALTH MEMBERS

MOTOR VEHICLE, BOAT AND CARAVAN INSURANCE COVER FOR THE THINGS THAT MOVE YOU 10% OFF FOR BUPA HEALTH MEMBERS 10% OFF FOR BUPA HEALTH MEMBERS MOTOR VEHICLE, BOAT AND CARAVAN INSURANCE COVER FOR THE THINGS THAT MOVE YOU Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL 238291. Any advice contained

More information

Your hospital stay. Everything you need to know

Your hospital stay. Everything you need to know Your hospital stay Everything you need to know How to plan your hospital stay Simple steps to help you get the most from your HBF hospital cover. 1 Understand your cover in advance 2 Visit your GP for

More information

Health. Overseas Visitors Cover. Health insurance for visitors to Australia. Products and Services. Effective 1 December 2008

Health. Overseas Visitors Cover. Health insurance for visitors to Australia. Products and Services. Effective 1 December 2008 Health Products and Services Health Cover Healthcare Centres Home and Contents Insurance Travel Insurance Car Insurance Retirement Incomes Financial Planning Superannuation Home Loans Managed Funds and

More information

HEALTH INSURANCE FOR SINGLES AND COUPLES 1 APRIL 2015

HEALTH INSURANCE FOR SINGLES AND COUPLES 1 APRIL 2015 HEALTH INSURANCE FOR SINGLES AND COUPLES 1 APRIL 2015 Welcome TO QUEENSLAND COUNTRY In short, Queensland Country Health Fund (Queensland Country) has been at it for over 35 years, and takes pride in offering

More information

Waiting Period. Item No. Service. Per person combined. Routine Dental (most common shown) Diagnostic

Waiting Period. Item No. Service. Per person combined. Routine Dental (most common shown) Diagnostic Super Extras This Quick Guide shows you what you can claim, how much you ll get back, your annual limits and when you can start claiming. This information will help you make the most of your cover. After

More information

Family Extras. What s covered, how much and when. Item No. Waiting Period. Service

Family Extras. What s covered, how much and when. Item No. Waiting Period. Service Family Extras This Quick Guide shows you what you can claim, how much you ll get back, your annual limits and when you can start claiming. This information will help you make the most of your cover. After

More information

Only the best of care, since 1977

Only the best of care, since 1977 Only the best of care, since 1977 Effective date: 1 April 2015 CONTENTS Welcome to Doctors Health Fund Things you need to know Who can be a member of Doctors Health Fund? It s so easy to join Continuity

More information

Only the best of care, since 1977

Only the best of care, since 1977 Only the best of care, since 1977 Effective date: 1 July 2014 CONTENTS Welcome to Doctors Health Fund Things you need to know Who can be a member of Doctors Health Fund? It s so easy to join Continuity

More information

What s covered, how much and when. Item No. Waiting Period. Service. Per person combined. Routine Dental (most common shown) Diagnostic

What s covered, how much and when. Item No. Waiting Period. Service. Per person combined. Routine Dental (most common shown) Diagnostic Family Extras This Quick Guide shows you what you can claim, how much you ll get back, your annual limits and when you can start claiming. This information will help you make the most of your cover. After

More information

Health insurance for Defence Connections Experience family value

Health insurance for Defence Connections Experience family value Health insurance for Defence Connections Experience family value Issued September 2014 Contents Introduction 1 Who s eligible to join 2 Why you re better off with private 3 health insurance Types of cover

More information

Working Visitor Health Cover

Working Visitor Health Cover Need help? Call us on 1800 22 11 33 from overseas +61 2 4914 1131 Mon to Fri: 8.30am 6.00pm (AEST) Or visit aushealth.com IMAN Australian Health Plans Pty Ltd ABN 34 144 907 746 a subsidiary of nib holdings

More information