corporate health cover

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/info Unsure of any words? Visit bupa.com.au/glossary For more information b upa.com.au/corporate To log in, your user name is consultaust and your password healthplan Visit a local Bupa centre

3

4 Simple affordable cover to suit you now AFFORDABLE COVER OUTSTANDING VALUE Tailored health cover No matter what life stage you are at, we have affordable cover to suit your needs. Members First Provider Network Our national network of hospital and extras^ providers can help you to reduce or eliminate out-of-pocket expenses. Canstar Award Independently awarded Outstanding Value Health Insurance Australia 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). ^Dental, optical, physio and 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 Choose one of our packaged covers Your choice starts here OR Create your own cover

7 Ultimate page 6 Established page 6 Growing page 7 Budget page 7 Top page 8 Standard page 8 Budget page 9 And Platinum page 12 Gold page 12 Silver page 13

8 Ultimate Health Cover Our premium option for ultimate peace Top level of hospital cover Top level of extras cover 100% Amount you get back # (limits apply) Established Family When there s no more kids on the way, you re taken care of with more hospital cover and generous extras. Medium level of hospital cover Medium level of extras cover 60% Minimum amount you get back # Extras Yearly limits Extras Yearly limits General Dental Unlimited General dental Unlimited Major dental $1,600 Orthodontics $1,000* Optical $420^ Physio $1,500 Chiro $1,000 t $1,600 Natural therapies $1,000 Major dental $1,000 Orthodontics $800* Optical $290^ Physio $700 Chiro $500 t $1,000 Natural therapies $400

9 All covers below include these hospital features: Emergency ambulance Medical cover Private hospital cover Plus more, see page 10 for the full list Basic cover Growing Family Ideal for couples or families planning kids, with access to a range of hospital and extras designed for your life stage. Budget Family Affordable cover with a range of extras and hospital cover, including full cardiac. Medium level of hospital cover Basic level of hospital cover Medium level of extras cover Basic level of extras cover 60% Minimum amount you get back # 60% Minimum amount you get back # Extras Yearly limits Extras Yearly limits General dental $700 Major dental $600 Orthodontics $400* Optical $260^ Physio $450 Chiro $350 t $500 Natural therapies $300 General dental $700 Major dental $600 Orthodontics $400* Optical $260^ Physio $450 Chiro $350 t $500 Natural therapies $300 All of these packages have: no hospital excess for kids under 25 gap free physio, dental and optical for kids see page 14. t Per person Per membership # For most items at our Members First providers covering general dental, physio, chiro and selected optical. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. *Lifetime limits apply. ^At Members First Optical providers only. Lower limits apply at other providers.

10 Top Comprehensive cover, with additional benefits including family in-hospital benefits, benefits towards selected health subscriptions, and Unemployment Cover (subject to eligibility). Standard Our medium level of hospital cover includes cover for pregnancy and cardiac services. Minimum benefits apply to some services such as IVF and hip/knee replacements. Top level of hospital cover Medium level of hospital cover No excess for kids No excess for kids NIL EXCESS $ 250 EXCESS $ 500 EXCESS $ 250 EXCESS $ 500 EXCESS

11 Budget Budget Hospital gives you basic cover that s affordable but still includes many hospital treatments you may need including cardiac. Basic level of hospital cover $ 250 EXCESS $ 500 EXCESS

12 Packages (hospital and extras cover) Ultimate Health Cover Established Family Growing Family Budget Family Psychiatric services Rehabilitation services Pregnancy (including childbirth) IVF and assisted reproductive services Cardiac services Renal dialysis Cataract and eye lens procedures Hip/knee replacement All other joint replacements Gastric banding and obesity related treatment Knee Arthroscopy and Meniscectomy Procedures Appendicitis Removal of Tonsils and Adenoids Dental Surgery Minor Gynaecological Surgery All other in-patient treatment receiving Medicare Benefits Emergency ambulance services Cosmetic surgery not clinically required Health subscription refunds Family in-hospital benefit Unemployment cover # Excess NIL $250 $500 $250 $500 $250 $500 No excess for kids under 25 Want to see the extras cover that comes with your package? Go to page 14

13 Hospital only Top Standard Budget NIL $250 $500 $250 $500 $250 $500

14 Platinum Get at least 90% back at our Members First providers. Gap free dental and physio for kids. ## Gold Get at least 75% back at our Members First providers. Gap free dental and physio for kids. ## Top extras cover 90% Minimum amount you get back Top extras cover 75% Minimum amount you get back Extras Yearly limits Extras Yearly limits General dental Unlimited General dental Unlimited Major dental $1,200 Orthodontics $900 Optical $380^ Physio $900 Chiro $700 t $1,400 Natural therapies $500 Major dental $1,100 Orthodontics $800 Optical $340^ Physio $800 Chiro $600 t $1,200 Natural therapies $500 t Per person Per membership

15 General dental Optical Physio Chiro Natural therapies Silver Get at least 60% back at our Members First providers. Gap free dental and physio for kids. ## Medium extras cover 60% Minimum amount you get back Extras General dental Yearly limits Unlimited Major dental $1,000 Orthodontics $700 Optical $290^ Physio $700 Chiro $500 t $1,000 Natural therapies $400

16 CHOOSE YOUR EXTRAS COVER This table shows yearly limits per person. Services % back at Members First providers Waiting periods Ultimate Health Cover Up to 100% back Established Family At least 60% back Packages Growing Family At least 60% back Budget Family At least 60% back General dental 2 months Unlimited Unlimited $700 $700 Gap free general dental for kids ## Major dental 12 months $1,600 $1,000 $600 $600 Orthodontics Optical 2 months $1,000 t Lifetime Limit $3,200 $420 Ë $300 º $800 t Lifetime Limit $2,600 $290 Ë $200 º $400 t Lifetime Limit $1,300 $260 Ë $180 º $400 t Lifetime Limit $1,300 $260 Ë $180 º Physiotherapy $1,500 $700 $450 $450 Gap free physio for kids ## Chiropractic and osteopathy Natural therapies $1,000 t $1,600 $1,000 t Massage sub-limit $250 t $500 $500 t $1,000 $400 t Massage sub-limit $150 t $300 $350 t $500 $300 t Massage sub-limit $100 t $350 t $500 $300 t Massage sub-limit $100 t Antenatal and Postnatal $500 $300 Living Well 6 months $300 $100 $100 $100 Pharmacy^^ $1,500 $500 $400 $400 Dietary $1,000 $400 $200 $200 Psychology $1,000 $400 $200 $200 Podiatry (excludes orthotics) 2 months $1,000 $400 $200 $200 Speech Therapy $1,000 $400 $200 $200 Eye Therapy $1,000 $400 Occupational Therapy $1,000 $400 Home Nursing $400 Health aids and appliances+ Travel and accommodation Emergency ambulance services 85% of cost 12 months # Sub-limits apply $200 travel/$300 2 months accommodation No waiting periods $800 # $600 # $100 travel/$150 accommodation Two trips per membership per year t Per person Ë Members First º Non-Members First Per membership For most items at our Members First providers covering general dental, physio, chiro and selected optical. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. 14

17 Choose your own extras Platinum Extras Gold Extras Silver Extras At least 90% Back At least 75% Back At least 60% Back Unlimited Unlimited Unlimited $1,200 $1,100 $1,000 $900 t Lifetime Limit $2,800 $800 t Lifetime Limit $2,600 $700 t Lifetime Limit $2,000 $380 Ë $280 º $340 Ë $240 º $290 Ë $200 º $900 $800 $700 $700 t $1,400 $500 t Massage sub-limit $200 t $400 $600 t $1,200 $500 t Massage sub-limit $200 t $400 $500 t $1,000 $400 t Massage sub-limit $150 t $300 $450 $400 $350 $200 $150 $100 $750 $600 $500 $750 $500 $400 $750 $500 $400 $750 $500 $400 $750 $500 $400 $750 $500 $400 $750 $500 $400 $400 $350 $350 $1,200 # Sub-limits apply $1,000 # Sub-limits apply $100 travel $150 accommodation Two trips per membership per year $800 # Sub-limits apply

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 consultaust and your password healthplan Unsure of any words? Visit: bupa.com.au/glossary Other important information you should know can be found at: bupa.com.au/info To find out more about what the Australian Government Rebate on private health insurance means for you, visit: bupa.com.au/rebate To get a quote: bupa.com.au/corporate Visit a local Bupa centre

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 April 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