Details of insurer

Bupa HI Pty Ltd (BUP)

Bupa is a health and care company committed to helping our customers live longer, healthier, happier lives. As one of Australia’s leading healthcare organisations, we offer a broad range of private health cover options from just the basics to our top level of cover, that give you more of the features and benefits you're looking for. We have cover for singles, couples and families, so no matter where you are in life, we’ve got something to suit your needs. Nothing compares to quality health insurance. And that’s why nothing compares to being with Bupa.

This information is provided by the insurer

Bupa HI Pty Ltd provide further information regarding:

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.

Business Structure

This insurer operates on a for-profit basis and is owned by BUPA Group International, a group that operates on a not for profit basis

Bupa HI Pty Ltd operates in all states and territories.

Performance

The Private Health Insurance Ombudsman prepares an annual report on the service delivery and performance of Australian health insurers. The following is a selection of statistics about this health insurer - the full report and an explanation of these figures is available from the Ombudsman's website. Please note information is not provided for some insurers in some states, as there are insufficient numbers reported to APRA for states in which the insurer does not have a large membership.

Performance	Insurer	Industry
Benefits as a % of contributions	88.3%	88%
Management expenses (% cont)	7.8%	9.2%
Management expenses (average policy)	$296	$343
Surplus	3.9%	2.7%
Member retention (%)	84%	81%

Coverage	ACT	NSW	VIC	QLD	SA	WA	TAS	NT
Hospital Related Charges Covered	84.3%	90.1%	93.4%	91.6%	95.2%	89.7%	93.9%	91.7%
Industry Result	84.7%	90.8%	92.4%	91.1%	94.6%	93.5%	93.7%	91.2%
Medical Services with No Gaps	85.0%	92.0%	93.0%	94.3%	94.2%	88.8%	93.4%	91.3%
Industry Result	79.6%	90.5%	89.0%	90.8%	92.0%	87.5%	91.3%	88.9%
Medical Services with No or Known Gaps	94.5%	96.8%	99.0%	98.3%	99.7%	96.8%	99.3%	97.7%
Industry Result	92.8%	97.0%	98.0%	97.0%	99.5%	97.2%	98.6%	97.0%
General Treatment (extras) Covered	46.6%	50.8%	49.7%	53.4%	56.9%	59.3%	51.6%	60.0%
Industry Result	48.0%	50.7%	52.3%	54.1%	57.6%	57.1%	54.3%	59.5%
Private Hospital Agreements	4	88	75	50	26	20	8	1
Industry Maximum	8	96	77	57	28	25	8	2
Day Hospital Agreements	5	74	62	45	27	18	6	1
Industry Maximum	9	109	83	61	33	25	9	2

Share of PHIO complaints compared to insurer market share
Benefit Complaints	18.7%
Service Complaints	21.5%
All Complaints	21.5%
Investigations	27.9%
Market share	25.4%

Bupa HI Pty Ltd (BUP)

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Performance

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