(before any rebate, loading or discount)
Covers 2 adults (and no-one else)
Available in Queensland
Closed to new members
# 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 exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Back, neck and spine | Eye (not cataracts) | Male reproductive system |
| Blood | Gastrointestinal endoscopy | Miscarriage and termination of pregnancy |
| Bone, joint and muscle | Gynaecology | Pain management |
| Brain and nervous system | Heart and vascular system | Pain management with device |
| Breast surgery (medically necessary) | Hernia and appendix | Palliative care |
| Cataracts | Hospital psychiatric services | Plastic and reconstructive surgery (medically necessary) |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Dental surgery | Insulin pumps | Rehabilitation |
| Diabetes management (excluding insulin pumps) | Joint reconstructions | Skin |
| Dialysis for chronic kidney failure | Joint replacements | Sleep studies |
| Digestive system | Kidney and bladder | Tonsils, adenoids and grommets |
| Ear, nose and throat | Lung and chest |
| Assisted reproductive services | Pregnancy and birth | 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.
Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.
Co-payments: No co-payments
Waiting periods:
For accommodation we pay up to $50 per night to a limit of $150 per person per trip. Benefits are payable per return trip. Eligibility criteria apply. Contact Bupa for more information.
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Hospital cover for Singles or Couples not planning a family. For more details on the product contact Bupa.
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 70% back, up to your yearly limits. See http://www.bupa.com.au/find-a-provider.
| Note, for items marked with an asterisk *: Podiatry does not include Orthotics. Where applicable, benefits may be payable under Health Aids & Appliances. Dentures payable once every 3 years. Periodic oral examination (012), Scale & Clean (114), Fluoride treatment (121) payable once every 6 months. Claims for preventative treatment (012,121,114) do not reduce yearly limit. Pharmacy benefit paid after current PBS patient contribution deducted. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental* | 2 | $300 per person (no limit on preventative dental) | Periodic oral examination - $19.70 Scale & clean - $42.60 Fluoride treatment - $12.40 Surgical tooth extraction - $73.00 |
| Major dental* | 12 | $800 per person (combined limit for major dental & endodontic) | Full crown veneered - $635.00 |
| Endodontic | 12 | Filling of one root canal - $130.00 | |
| Optical | 2 | $180 per person | Single vision lenses & frames - $159.75 Multi-focal lenses & frames - $180.00 |
| Physiotherapy | 2 | $350 per person up to $200 per service (combined limit for physiotherapy, chiropractic, podiatry, psychology, ante-natal/post-natal classes, dietetics/dietary advice, occupational therapy, osteopathy & other services - Sub-limits apply) | Initial visit - $31.20 Subsequent visit - $25.60 |
| Chiropractic | 2 | Initial visit - $32.00 Subsequent visit - $23.00 | |
| Podiatry* | 2 | Initial visit - $30.00 Subsequent visit - $25.00 | |
| Psychology | 2 | Initial visit - $69.00 Subsequent visit - $63.00 | |
| Acupuncture | 2 | $450 per person up to $150 per service (combined limit for acupuncture, remedial massage, chinese medicine, exercise physiology & other services - Sub-limits apply) | Initial visit - $31.50 Subsequent visit - $26.25 |
| Remedial massage | 2 | Initial visit - $26.25 Subsequent visit - $22.50 | |
| Blood glucose monitors* | 12 | $750 per person (combined limit for blood glucose monitors & other services) | Per monitor - $123.75 |
| Ante-natal/Post-natal classes | 2 | Combined limit - see Physiotherapy | Initial visit - $29.55 Subsequent visit - $29.55 |
| Chinese medicine | 2 | Combined limit - see Acupuncture | Initial visit - $22.50 Subsequent visit - $22.50 |
| Dietetics/dietary advice | 2 | Combined limit - see Physiotherapy | Initial visit - $50.00 Subsequent visit - $25.00 |
| Exercise physiology | 2 | Combined limit - see Acupuncture | Initial visit - $31.50 Subsequent visit - $27.00 |
| Health management / Healthy lifestyle | 6 | $100 per person | Health management - 50% of charge |
| Occupational therapy | 2 | Combined limit - see Physiotherapy | Initial visit - $59.00 Subsequent visit - $41.00 |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $35.00 Subsequent visit - $31.10 |
| Vaccinations* | 2 | $225 per person | Per service - $50.00 |
| 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, and other health aids, are payable under the Health Appliances category up to $750 per year. Sub-limits and restrictions apply. Blood glucose monitors are payable once per year. To find out about other health appliances included and relevant sub-limits and restrictions, please contact us. | |||
| Hearing aids | Orthodontic |
| Non PBS pharmaceuticals | Other treatments - check with your insurer |
Receive up to eight days (seven nights) of Essentials travel insurance annually. Alternatively, use the equivalent value as a discount on the premium for any Bupa Travel Insurance policy (conditions apply). When requiring urgent hospital treatment as the result of an accident, the Accident Benefit can boost extras limits (subject to eligibility criteria).
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
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.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.