IMPORTANT INFORMATION GUIDE
T H I N G S YO U N E E D
TO K N OW
Over the next few pages you will find We recommend you call us first before making What is not covered? practitioner for services that form
information to help you understand how a booking to confirm that your hospital of Hospital costs part of your in-hospital treatment (e.g.
your health cover with us works. We choice gives you certainty of full cover. We can chiropractors, dieticians or psychologists)
Situations when you are likely not to be
recommend you keep this information in a also discuss any excess or co-payment that • where compensation, damages or
covered include:
safe place so that you can always refer to it. may be applicable to your level of cover. You benefits may be claimed by another
can find out if a hospital has an agreement with • during a waiting period source (e.g. workers compensation)
From time to time, things can change
us by checking our website bupa.com.au
Before you seek any treatment call us so • when specific services or treatments are • any treatment or service rendered
we can give you the most complete and Medical costs excluded or restricted from your level outside Australia
up-to-date information. of cover
These are the fees charged by a doctor, • some non-PBS, high cost drugs.
surgeon, anaesthetist or other specialist for • when you are treated at a non-agreement
Please be aware that these rules apply in Medical costs
any treatment given to you in hospital. Private hospital you will not be fully covered
addition to our Fund and Policy Rules. You will not be covered for:
health insurance provides you with the choice • for the fixed fee charged by a fixed
of your own doctor, and you decide whether fee hospital • medical services for surgical procedures
UNDERSTANDING you will go to a public or a private hospital that
• when you have not been admitted into a performed by a dentist, surgical podiatrist,
YOUR HOSPITAL COVER your doctor attends. You may also have more or any other practitioner or service that is
hospital and are treated as an outpatient
What is covered? choice as to when you are admitted to hospital. not eligible for a rebate through Medicare.
(e.g. emergency room treatment,
Hospital costs You are covered for: outpatient ante-natal consultations with Inpatient vs outpatient
an obstetrician prior to child birth) You are an inpatient if you are admitted
With private hospital cover, you can choose • the cost of these medical treatments up to
to be treated as a private patient in either a • hospital treatment provided by a into hospital for either a same-day or
the Medicare Benefit Schedule (MBS) fee.
public or a private hospital. With us you are practitioner not authorised by a hospital overnight admission. If you are admitted as
The MBS fee is the amount set by the Federal to provide that treatment a private inpatient, you will be covered for
fully covered as a private patient in most
Government for each medical service covered the services listed in your chosen level of
Members First and Network hospitals, and • hospital treatment for which Medicare
by Medicare. You must be eligible for Medicare hospital cover. If you receive treatment as
all public hospitals across Australia. A small pays no benefit, including: medical costs
in order to be covered up to the MBS fee. If you an outpatient (i.e. you are not admitted),
number of hospitals may charge a fixed daily in relation to surgical podiatry (including
choose to be treated as a private patient in a in most instances you will not be covered
fee, capped at a maximum number of days the fees charged by the podiatric surgeon);
hospital (public or private), Medicare will cover by private health insurance. If eligible these
per stay. These hospitals should inform you of most cosmetic surgery; experimental
you for 75% of the MBS fee for associated services may be claimed from Medicare.
this fee when you make a booking. This fee is treatment and/or any treatment/procedure
medical costs and we will cover the remaining
in addition to any excess or co-payment you not approved by the Medical Services Waiting periods
25%. If your specialist charges more than the
may have as part of your hospital cover. Advisory Committee (MSAC)
MBS fee there will be a ‘gap’ for you to pay.
The following waiting periods apply for
When admitted to hospital, in most cases However, the Bupa Medical Gap Scheme can • you will not be fully covered for hospital
hospital cover:
you will be covered for all in-hospital help eliminate or reduce the gap for you if your charges related to surgical podiatry
charges when provided as part of your in- doctor/s choose to use it. and follow-up admissions to earlier • palliative care, psychiatric and
hospital treatment including: cosmetic procedures where the follow-up rehabilitation services – two months
At Members First day facilities, not only will you procedure is recognised by Medicare
be fully covered for the facility accommodation • pre-existing conditions, ailments or
• accommodation for overnight or
• personal expenses such as: pay TV, illnesses and pregnancy related services
same-day stays and theatre fees but there are no out-of-pocket
non-local phone calls, newspapers, (including childbirth) – 12 months
• operating theatre, intensive care and
expenses for medical treatments (e.g. your
boarder fees, meals ordered for your
specialist’s fees). • all other treatments included in your cover
labour ward fees visitors, hairdressing and any other
– two months.
• supplied pharmaceuticals approved personal expenses charged to you unless
by the Pharmaceutical Benefits Scheme To ensure peace of mind, ask included in your cover When to contact us
• allied services including physiotherapy, your doctor about their fees • if you are in hospital for more than 35 days If you have been a Bupa member for less
occupational therapy and dietetics and whether they participate and you have been classified as a ‘nursing than 12 months on your current hospital
in our Medical Gap Scheme for home type’ patient. In this situation you cover, it is important to contact us before
• medication, dressings and you are admitted to hospital and find out
other consumables your hospital treatment prior to may receive limited benefits and be
whether the pre-existing condition waiting
• most diagnostic tests (e.g.
admission. Remember to also ask required to make a personal contribution
towards the cost of your care period applies to you. We need about five
pathology, radiology) your doctor about the fees for working days to make the pre-existing
other practitioners that may be • for pharmacy items not opened at the
condition assessment, subject to the timely
• a surgically implanted prosthesis up to the
applicable benefit on the Government’s
involved in your hospital treatment point of leaving the hospital
receipt of information from your treating
Prostheses List such as: the anaesthetist and • if you choose to use your own allied medical practitioner/s. Make sure you allow
assistant surgeons. health provider rather than the hospital’s for this timeframe when you agree to a
• single room where available.
2 3
hospital admission date. If you proceed with • they meet the criteria set out in our policies Your Choice Extras) or packaged cover, you emergency ambulance transport under the
the admission without confirming benefit and Fund Rules. will receive capped cover for recognised State Government ambulance transport
entitlements and we (the health fund) We recommend you contact us before emergency ambulance transport and schemes. When you receive an account for
subsequently determine your condition to making a booking to confirm how much you on-the-spot treatment. ambulance transport, simply send it to us
be pre-existing, you will be required to pay can claim and to check that your chosen and we’ll endorse it for you to send back
An emergency is when there is reason to
all hospital charges and medical charges not provider is registered with us. to the appropriate ambulance transport
believe that the patient’s life may be in
covered by Medicare. scheme.
What is not covered? danger or the patient should be attended to
Planning for a baby without undue delay. QLD and TAS members: If you reside in
Extras benefits will not be payable:
If you are thinking about planning for a Queensland or Tasmania, you are covered
Transportation will mean a journey from the
family we recommend that you contact • during a waiting period under your state service scheme.
place where immediate medical treatment
us to check whether your current level of • where a third party, including Medicare, a is sought to the casualty department of a VIC, SA, WA and NT members: If you reside
cover includes pregnancy and other related Government body, or an insurance company receiving hospital. in Victoria, South Australia, Western Australia
services in advance. This is because there provided a benefit (except for hearing aids or the Northern Territory you will receive
is a 12-month waiting period applied to and breast prosthesis items) Emergency ambulance transportation is
cover for recognised emergency ambulance
all pregnancy related services (including defined as transportation of an unplanned
• for different services within the same service transport and on-the-spot treatment from
childbirth) and assisted reproductive and of a non-routine nature for the purpose
type from the same provider on the same us. This is as long as you don’t have an
services. of providing immediate medical attention to
day. For example, if you went to see an ambulance subscription with your state
a person.
No waiting periods will apply to the newborn acupuncturist and then received a massage ambulance service or cover through a state-
provided they have been added to the from the same provider on the same day, you Whether the transportation is deemed an based arrangement.
appropriate family hospital cover within two cannot claim for both services emergency is determined by the paramedic
Most state schemes cover their respective
months of their birth. • when a prescribed treatment is not fully and usually recorded on the account.
residents within their state of residence only.
custom made (e.g. orthotics, surgical shoes) Benefits are not payable for: However, some states have entered into
UNDERSTANDING • when a provider is not recognised by us for reciprocal agreements that allow you to be
• transportation from a hospital to covered for ambulance services when you travel
benefit purposes
YOUR EXTRAS COVER your home outside your state of residence. You should
• for any treatment or service rendered
What is covered? • transportation from a hospital to a check with your state ambulance provider for
outside Australia
nursing home when these reciprocal arrangements apply and
With extras cover, you can claim benefits for • when you have reached the maximums on
those services listed on your cover and that • transportation from a hospital to another the level of cover offered.
your product including annual, lifetime or
are not claimable elsewhere (e.g. from a third hospital where the customer has been If you fall outside your state-based
service limits for the service you
party like Medicare). admitted to the transferring (first) hospital arrangement (including any reciprocal
are claiming.
• transportation from the person’s agreement) and are not covered for
For example, Medicare does not provide Waiting periods
home, a nursing home or hospital for emergency ambulance services, you will
benefits for: The following waiting periods apply for ongoing medical treatment, be covered by Bupa up to the annual cap,
• most dental examinations and treatment extras cover: (e.g. chemotherapy, dialysis). as long as your level of cover contains
• most physiotherapy, occupational therapy, • initial waiting period – two months Ambulance Cover ambulance cover and the services are
speech therapy, eye therapy, chiropractic provided by a recognised provider.
• hire, repair and maintenance of health aids We recommend that you take out an
services, podiatry or psychology services and appliances; and Living Well Programs ambulance subscription with your Recognised Ambulance Providers
• acupuncture (unless part of a doctor’s – six months recognised State Ambulance Provider if it’s Bupa will only pay benefits towards
consultation) or other natural therapies • major dental, orthodontics, selected health available in your state (VIC, SA, NT and rural ambulance services when they are provided
• glasses and contact lenses aids and appliances – 12 months postcodes in WA). by any of the following recognised providers:
• most health aids and appliances • laser eye surgery, covered only under We will only provide ambulance benefits, in • ACT Ambulance Service
• home nursing. Ultimate Health Cover - three years. accordance with your level of cover, when
• Ambulance Service of NSW
you do not hold a subscription with an
Extras cover allows you to claim benefits for • Ambulance Victoria
UNDERSTANDING ambulance provider and a state ambulance
extras services as long as:
scheme does not provide cover. • Queensland Ambulance Service
YOUR AMBULANCE COVER
• the treatment is given by a private practice • South Australia Ambulance Service
NSW and ACT members: If you reside
provider who is recognised and registered Emergency Ambulance definition
in New South Wales or the Australian • St John Ambulance Service NT
with us for benefit purposes When you or your partner take out our Capital Territory and you have hospital
• St John Ambulance Service WA
hospital cover, extras cover (emergency cover, you pay an ambulance levy as part
ambulance services must be selected on of your premium. This entitles you to free • Tasmanian Ambulance Service.
4 5
Certain types of concession cards issued by new benefits. Where your new level of cover (e.g. orthodontics). Per person annual hospital cover so you should always check
Centrelink or the Department of Veterans is higher than what you previously held, the maximums are not transferable to any other with us to see if you’re covered before
Affairs (DVA) entitle the cardholders to free lower level of benefit applies. Please refer member on your policy. receiving treatment.
ambulance services. These arrangements to the listed waiting periods included under
Calendar year Health aids and appliances
also vary per state so should be checked the ‘Understanding Your Extras Cover’ and
directly with Centrelink or the DVA. ‘Understanding Your Hospital Cover’ sections A calendar year is 1 January to 31 December. To receive benefits for health aids and
of this guide. appliances you’ll need to visit one of our
Emergency admissions
recognised providers. You’ll also need to
CHANGING YOUR COVER During this time you will be covered, however In an emergency, we may not have time meet the eligibility criteria, provide proof
you will receive the lower benefits of the two to determine if you are affected by the of purchase and a clinical referral where
Switching from another health fund covers (this includes any applicable excess). pre-existing condition rule before your required. It is important to note that
If you’re changing from another Australian admission. Consequently, if you have been benefits are not payable when a prescribed
health fund to Bupa, you’ll continue to be If you choose a lower level of cover than
a Bupa member for less than 12 months treatment is not fully custom made (e.g.
covered for all benefit entitlements that you previously held, then the lower benefits
you might have to pay for some or all of the orthotics). Visit our website or contact us to
you had on your old cover, as long as these on your new cover will apply immediately
hospital and medical charges if: find out more.
services are offered on your new cover with and may include different excess levels
us. This is referred to as ‘continuity of cover’. or restricted benefits. You may also need • you are admitted to hospital and you Benefits for hire, repair and maintenance of
To receive continuity of cover, you’ll need to to serve waiting periods for services or choose to be treated as a private patient, health aids and appliances are not payable in
transfer to us within 60 days of leaving your treatments that weren’t covered on your and we later determine that your condition the first 12 months after purchasing an item;
old fund. previous cover. In this case you won’t be was pre-existing. within 12 months following a repair;
covered during the waiting period. or on items where hire and repair are
Excess or co-payment
When changing health funds, extras benefits deemed inappropriate.
paid by your old fund will be counted If you have any questions about transfers or To lower the cost of your hospital cover,
towards your annual maximums in your first waiting periods, just contact us. on selected covers you can choose to Home nursing
year of membership with us. Any benefits include an excess or co-payment. Excesses
Ending your membership Benefits are payable towards some home
paid by your old fund also count towards or co-payments are only payable on
We have the right to end a person’s nursing services that do not need to take
lifetime maximums. overnight and same-day inpatient hospital
membership as set out in our Fund Rules, place in a hospital and are provided in the
admissions in any hospital.
It’s important to note that when you change including where premiums have not been home. Please contact us to find out more.
to Bupa from another fund you may need paid or on notice at the reasonable • An excess is a set amount you pay
Living Well Programs
to wait before you can receive your new discretion of Bupa. upfront before your benefit is paid. The
excess is paid each time a person on your Our Living Well Programs help cover health-
benefits. In this situation, your benefit
membership is admitted into hospital, to related programs from approved, recognised
entitlements are based on our nearest
equivalent cover to what you previously
DEFINITIONS a maximum of once per person and twice providers. You can visit our website for a list
on the entire membership each calendar of our recognised providers. A Living Well
held. Where your new cover is higher than Accidents
year unless otherwise specified. Programs approval form must be completed
what you had with your old fund, the lower
An accident is an unforeseen event, by your doctor for gym memberships, yoga
benefit (including different excess levels) • A co-payment is an amount you agree
occurring by chance and caused by an and Pilates to confirm that the program
will apply for the waiting period relevant for to pay towards the cost of your daily
unintentional and external force or object is medically necessary. Other benefit and
that service. Please refer to the listed waiting hospital bill. A co-payment is charged per
resulting in involuntary hurt or damage to recognition criteria apply. Visit our website or
periods included under the ‘Understanding day and capped after five days for each
the body, which requires immediate (within contact us to find out more.
Your Extras Cover’ and ‘Understanding Your hospital admission.
72 hours) medical advice or treatment
Hospital Cover’ sections of this guide. • No excess or co-payment applies to your Bupa Medical Gap Scheme
from a registered practitioner other than
If you choose a lower level of cover than the policyholder. children on certain hospital covers. Please This refers to the difference between
you held previously, then the lower benefits contact us for further details. what your doctor charges and the amount
Annual maximums and service limits Medicare pays for inpatient procedures.
on your new cover will apply immediately. Exclusions
This may include a different excess level An annual maximum is the maximum
amount you can claim in a service category If you require treatment for a specific If your doctor charges up to the Medicare
or restricted benefits. You may also need procedure or service that is excluded under Benefit Schedule (MBS) fee or is
to serve waiting periods for services or per person and per calendar year (unless
otherwise stated). For certain services, your level of cover you will not receive any participating in the Bupa Medical Gap
treatments that weren’t covered on your benefits towards your hospital and medical Scheme, in most cases you will have no
previous cover. In this case you won’t be annual maximums also apply on the number
of times that benefits are payable for the costs and you may have significant out-of- medical gap costs to pay.
covered during the waiting period. pocket costs.
same service (e.g. initial consultations). These For doctors who are not participating in
Changing your cover with us maximums apply from the date of service or If a service is not covered by Medicare our Medical Gap Scheme and are charging
purchase. Some services also have lifetime there will be no benefit payable from your above the MBS fee, we will pay the difference
If you change your health cover, you may
maximums or periodic annual maximums
need to wait before you can receive your
6 7
between the Medicare benefit and the MBS There are some items that are not covered by To receive the benefits available on your Suspension Rules
fee. Any amount above the MBS fee will be our pharmacy benefit and these include: cover, you need to: A membership may be suspended when
the amount you are required to pay and this travelling overseas for work or leisure. If you
• over the counter items • fully complete the application process and
is referred to as the ‘Medical Gap’. are travelling overseas, you may choose
• compounded items pay your premiums one month in advance.
Surgically Implanted Prostheses Or, if you’re on a corporate plan, it’s up to suspend your membership during this
• non-prescription items period of time. You can suspend your cover
You will be covered up to the benefit set to you to make sure payments are made
• weight loss medication (some weight loss during times of unpaid leave or if your for the following period of time:
out in the Government’s Prostheses List
medications are covered under the Living employment ends
for a listed prosthesis which is surgically • a minimum period of two months travel; and
Well Programs)
implanted as part of your hospital treatment. • ensure that newborns are enrolled onto a • a maximum period of two years
• body enhancing medications (e.g. anabolic family membership within two months of
The Prostheses List includes: pacemakers, per suspension.
steroids); and their birth to avoid any waiting periods for
defibrillators, cardiac stents, joint You can only suspend your policy twice
• erectile dysfunction drugs, unless your baby
replacements, intraocular lenses and other per calendar year. Your membership will be
prescribed by a specialist. • enrol your adult children under their own
devices. If a hospital proposes to charge you cancelled if not resumed.
a ‘gap’ for your prosthesis, they need your When you make a claim, we will deduct names within 60 days after they no longer
One month contributions are required
informed financial consent. Please contact us a pharmacy co-payment and pay the qualify under your cover (to avoid a break
between each suspension period.
for further details. remaining balance up to the set amount in their cover)
under your chosen level of cover. To be eligible to suspend your cover you must:
• provide proof of purchase of what you
Out-of-pocket expenses • have been a financial member for at least
have spent before we can reimburse you
Pre-existing conditions
You are likely to experience out-of-pocket for any services received 12 months
A pre-existing condition is any condition,
expenses when you are not fully covered for • submit your claims within two years of • apply for suspension prior to the
ailment or illness that you had signs or
services and benefits, or when a set benefit when the service was given (we don’t departure date
symptoms of during the six months before
applies. You should refer to what is and isn’t pay benefits for any claims that are older • provide overseas travel documentation
you joined or upgraded to a higher level of
covered for your relevant level of cover to than this). showing your departure and return dates
cover with us. It is not necessary that you or
determine when an out-of-pocket expense
your doctor knew what your condition was Proof of identity and/or age • notify us of your return to Australia within
may occur. You should also refer to our
or that the condition had been diagnosed. Bupa may require you to provide proof of 30 days of your arrival; and
Fund Rules for any additional information on
benefits payable. A copy of our Fund Rules identity and/or age when joining, changing • complete an overseas travel
A condition can still be classed as pre-
can be found on our website or in our retail your level of cover or in relation to any other suspension form.
existing even if you hadn’t seen your doctor
centres. It is important to ensure when being transaction with us.
about it before joining or upgrading to a Travel and accommodation
admitted to hospital that Informed Financial higher level of cover. Restricted cover/benefits On select levels of extras cover, if you’re
Consent is provided to you for a pre-booked
If you knew you weren’t well, or had signs For restricted services there will be full travelling for essential medical or hospital
admission to allow you to understand any
of a condition that a doctor would have cover in a shared room with your choice of treatment because treatment you need
out-of-pocket expenses upfront. If you have
detected (if you had seen one) during the six doctor in a public hospital and restricted/ cannot be provided by your own doctor, we
received any out-of-pocket expenses and
months prior to joining or upgrading, then the default benefits in a private hospital which will help cover the cost when the total return
require clarification, please contact us directly.
condition would be classed as pre-existing. would not be adequate to cover all hospital distance is 300 kilometres or more from your
Pharmacy and pharmaceuticals costs and are likely to result in large out-of- normal place of residence.
A doctor appointed by us decides whether pocket expenses.
Your extras pharmacy entitlement covers We also give a benefit towards your
your condition is pre-existing, not you or
you for prescription items that are non-PBS Special Benefits overnight accommodation outside of
your doctor. The appointed doctor must
(Pharmaceutical Benefits Scheme) listed hospital for you and a caregiver. Check your
consider your treating doctors’ opinions on If you’re on a cover that provides Special
drugs and are TGA (Therapeutic Goods extras cover to determine if you are covered
the signs and symptoms of your condition, Benefits cover, you could receive benefits
Administration) approved for that condition. for these benefits.
but is not bound to agree with them. for accommodation and meal costs if your
When in hospital, if you are treated with partner, immediate family member, carer Waiting periods
Premium and benefits
drugs that are not PBS approved, you may or next of kin is required to stay at hospital
You must pay the premium and the Lifetime A waiting period is the time between when
not be fully covered and the hospital may with you or a person on your membership.
Health Cover Loading that applies to you. you joined us and when you are covered
charge you for all or part of the cost. You They will be covered for $60 per night for
Premiums differ from state to state due for a service or treatment. If you receive a
should be advised by the hospital of any accommodation in hospital and up to $30
to different state charges. If you move to service or treatment during this time, you
charges before treatment. a day for hospital meals. Hospital meals
another state your premium will change too. are not eligible to receive a benefit payment
are covered when provided at a hospital
Therefore you must let us know about any from us, regardless of when you submit the
cafeteria, kiosk or patient meal menu. A
change of address. claim. Different waiting periods apply for
$1,000 per person, per calendar year annual
different services.
maximum applies to Special Benefits.
8 9
OTHER IMPORTANT identical to the account signing instruction personal information to our related entities Resolution of problems
INFORMATION held by the financial institution where the and bodies corporate, or to third parties If you have any concerns or you don’t
account is based. You must notify us if the such as healthcare providers, government understand a decision we have made, we’d
Direct Debit Service Agreement nominated account is transferred or closed. and regulatory bodies, other private health like to hear from you.
If you’ve chosen to pay your premiums by You must pay your premium by an alternative insurers and any persons or entities engaged
direct debit then you’ve accepted the terms method if either you or we cancel the direct by us or acting or our behalf. If you are the You can contact us by:
of our Direct Debit Service Agreement. debit arrangements. You must ensure your policyholder, you’re responsible for ensuring Telephone: 1800 802 386
payments are up-to-date, whether a notice is that each person on your policy is aware that Fax: 1300 662 081
This agreement outlines the responsibilities received from us or not. we collect, use and disclose their personal Email: customerrelations@bupa.com.au
of Bupa Australia Pty Ltd (“we”, “us”, our”) information as set out here and in our Mail: Customer Relations Manager
and you. We will confirm the direct debit If paying by credit card, you need to advise us
Information Handling Policy. Each person Bupa Australia
arrangements prior to the first drawing of your new expiry date prior to expiry. You
on a policy aged 17 or over may complete a PO Box 14639
(including the premium amount and may request that we cancel or alter the debit
‘Keeping it confidential’ form to specify who Melbourne VIC 8001
frequency) and debit your nominated drawing arrangements by contacting us and
should receive information about their health
account. Deductions will occur on the providing at least five working days notice If you’re still not satisfied with your
claims. You are entitled to reasonable access
nominated day, except for deductions of any requested changes. These changes outcomes from Bupa you may contact
to your personal information. We reserve the
nominated for the 28th, 29th, 30th or 31st, may include deferring the debit, altering the the Private Health Insurance Ombudsman
right to charge a reasonable fee for collating
which will occur on the first day of the debit dates, stopping an individual debit, on 1800 640 695 or email them at
such information. If you or any other person
following month. If the nominated day falls suspending the direct debit arrangement or privatehealth.gov.au
on your membership do not consent to the
on a weekend or public holiday, deductions cancelling the direct debit completely. You
way we handle personal information, or
will be made on the closest business day. We can dispute any debit drawing or terminate
do not provide us with the information we
will debit all payments in advance and will the deductions at any time by notifying us in
require, we may be unable to provide you
automatically vary the deduction amount if writing not less than seven days before the
with our products and services. We may use
your premiums or level of cover change. If next scheduled debit drawing. If you have any
your personal (including health) information
we vary the deduction amount, we will give queries about your direct debit agreement,
to offer you health management programs
you at least 14 days written notice, except please contact us. We undertake to respond
and services. When you take out cover with
when the previous deduction is dishonoured, to queries concerning disputed transactions
us, you consent to us using your personal
when we will deduct the previous period’s within five working days of notification.
information to contact you (by phone, email,
payment together with the current amount Privacy and your personal information SMS or post) about products and services
due. If you pay premiums at three, six, and that may be of interest to you. If you do not
12 month intervals, then should your financial Your privacy and maintaining the
wish to receive this information, you may opt
institution dishonour a drawing, we will draw confidentiality of your personal information
out by contacting us.
the payment on the nominated day of the is important to Bupa Australia Pty Ltd
following month. If two or more drawings are (“we”, “us”, “our”). This statement provides Can we help?
returned unpaid by your financial institution, a summary of how we handle your personal
If you have any questions we’re always
we will also stop deducting your premiums and health information. For further
happy to help. Simply refer to the back cover
from your nominated account and will start information about how we handle your
for our contact details and call us, visit our
sending you renewal notices, pending further personal information, you should refer to
website or pop by your local centre. If you
instructions from you. We will maintain the our Information Handling Policy, available
would like more information about our Fund
privacy and confidentiality of your billing on our website or by calling us. We will only
Rules or the Federal Government’s Private
information (unless you have requested collect personal information (including
Health Insurance Industry Code of Conduct,
or consented that we can disclose it to a health information) about you and those
you can find this information on our website.
third party or the law requires or allows us people insured under your policy to provide,
The Federal Government’s Private Patient’s
to do so). We may provide information to manage and administer our products and
Hospital Charter is available at
our or your financial institution to resolve a services to you and to operate an efficient
privatehealth.gov.au
dispute on your behalf. You must ensure your and sustainable business. We are required
nominated account permits direct debiting to collect and maintain certain information
and that sufficient cleared funds are available about you and those on your policy to
in that account on the due date to cover comply with the Private Health Insurance
the premiums due. Your financial institution Act 2007 (Cth) and related legislation.
may charge a fee if the payment cannot We may also collect personal and health
be met. You must ensure the authorisation information about you from health service
given to draw on the nominated account is providers for the purposes of administering
or verifying any claim. We may disclose your
10 11
Mailing details:
FO R M OR E IN FO R M AT I O N Bupa
600 Glenferrie Road
Call us on 134 135 HAWTHORN VIC 3122
Visit bupa.com.au Bupa Australia Pty Ltd
ABN 81 000 057 590
Drop by your local Bupa centre Effective 1 November 2011
10350-10-11S
The World of Bupa
Health Insurance
Corporate Health Services
Health Assessments
Health Coaching
Health Programs
International Private Medical Insurance
Overseas Visitors Health Insurance
Optical Services
Travel Insurance
Aged Care
Car and Home Insurance
Life Insurance