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? ° any treatment or service rendered
information to help you understand how a booking to confirm that your hospital of Hospital costs outside australia
your health cover with us works. we choice gives you certainty of full cover. we
Situations when you are likely not to be ° some non-PBS, high cost drugs.
recommend you keep this information in a can also discuss any excess or co-payment
covered include: Medical costs
safe place so that you can always refer to it. that may be applicable to your level of cover.
you can find out if a hospital has an agreement ° during a waiting period you will not be covered for:
From time to time, things can change.
with us by checking our website bupa.com.au ° when specific services or treatments are
Before you seek any treatment call us so we ° medical services for surgical procedures
paid at minimum benefits or excluded from
can give you the most complete and Medical costs performed by a dentist, surgical podiatrist,
your level of cover
up-to-date information. these are the fees charged by a doctor, or any other practitioner or service that is
surgeon, anaesthetist or other specialist ° when you are treated at a non-agreement not eligible for a rebate through Medicare.
Please be aware that these rules apply in hospital you will not be fully covered
addition to our Fund and Policy Rules. for any treatment given to you in hospital.
Inpatient vs outpatient
Private health insurance provides you with ° for the fixed fee charged by a fixed
the choice of your own doctor, and you fee hospital or a hospital that has a if you are admitted as a private inpatient, you
undeRStanding decide whether you will go to a public or a fixed fee service will be covered for the services listed in your
youR hoSPital CoveR private hospital that your doctor attends. you chosen level of hospital cover. if you receive
° when you have not been admitted into a treatment as an outpatient (i.e. you are not
What is covered? may also have more choice as to when you hospital and are treated as an outpatient
are admitted to hospital. admitted), in most instances you will not be
(e.g. emergency room treatment,
Hospital costs covered by private health insurance. if eligible
outpatient ante-natal consultations with
with private hospital cover, you can choose to you are covered for: these services may be claimed from Medicare.
be treated as a private patient in either a public ° the cost of these medical treatments up to Waiting periods
or a private hospital. with us you are fully ° hospital treatment provided by a
the Medicare Benefit Schedule (MBS) fee. practitioner not authorised by a hospital to
covered as a private patient in most Members the following waiting periods apply for
the MBS fee is the amount set by the Federal provide that treatment hospital cover:
First and network hospitals, and all public
government for each medical service covered
hospitals across australia. a small number of ° hospital treatment for which Medicare
by Medicare. you must be eligible for Medicare pays no benefit, including: medical costs in ° palliative care, psychiatric and rehabilitation
hospitals may charge a fixed daily fee, capped services – two months
in order to be covered up to the MBS fee. if relation to surgical podiatry (including the
at a maximum number of days per stay. these
hospitals should inform you of this fee when
you choose to be treated as a private patient fees charged by the podiatric surgeon); most ° pre-existing conditions, ailments or illnesses
in a hospital (public or private), Medicare cosmetic surgery; respite care; experimental and pregnancy related services (including
you make a booking. this fee is in addition to
will cover you for 75% of the MBS fee for treatment and/or any treatment/procedure childbirth) – 12 months
any excess or co-payment you may have as
associated medical costs and we will cover
part of your hospital cover. not approved by the Medical Services ° all other treatments included in your cover –
the remaining 25%. if your specialist charges advisory Committee (MSaC) two months.
when admitted to hospital, in most cases more than the MBS fee there will be a ‘gap’ for
you will be covered for all in-hospital you to pay. however, the Bupa Medical Gap ° personal expenses such as: pay tv, non-local When to contact us
phone calls, newspapers, boarder fees,
charges when provided as part of your Scheme can help eliminate or reduce the gap if you have been a Bupa member for less than
meals ordered for your visitors, hairdressing
in-hospital treatment including: for you if your doctor/s choose to use it. 12 months on your current hospital cover,
and any other personal expenses charged
it is important to contact us before you are
° accommodation for overnight or at Members First day facilities, not only to you unless included in your cover
admitted to hospital and find out whether the
same-day stays will you be fully covered for the facility
° if you are in hospital for more than 35 days pre-existing condition waiting period applies
accommodation and theatre fees but there and you have been classified as a ‘nursing
° operating theatre, intensive care and labour to you. we need about five working days to
ward fees are no out-of-pocket expenses for medical home type’ patient. in this situation you may make the pre-existing condition assessment,
treatments (e.g. your specialist’s fees). receive limited benefits and be required to
° supplied pharmaceuticals approved by the subject to the timely receipt of information
Pharmaceutical Benefits Scheme make a personal contribution towards the from your treating medical practitioner/s.
to ensure peace of mind, ask your cost of your care Make sure you allow for this timeframe when
° allied services including physiotherapy,
occupational therapy and dietetics doctor about their fees and whether ° for pharmacy items not opened at the point you agree to a hospital admission date. if
they participate in our Medical Gap of leaving the hospital you proceed with the admission without
° dressings and other consumables confirming benefit entitlements and we
Scheme for your hospital treatment ° if you choose to use your own allied
° pathology and radiology diagnostic health provider rather than the hospital’s (the health fund) subsequently determine
tests performed in hospital by Bupa prior to admission. Remember to
practitioner for services that form your condition to be pre-existing, you will
contracted providers also ask your doctor about the fees be required to pay all hospital charges and
for other practitioners that may be part of your in-hospital treatment (e.g.
° surgically implanted prostheses up to the chiropractors, dieticians or psychologists) medical charges not covered by Medicare.
approved benefits in the government’s involved in your hospital treatment,
Prostheses list such as the anaesthetist and ° where compensation, damages or benefits
assistant surgeons. may be claimed by another source (e.g.
° single room where available. workers compensation)
Planning for a baby What is not covered? danger or the patient should be attended to QLD and TAS members: if you reside in
if you are thinking about starting a family we extras benefits will not be payable: without undue delay. Queensland or tasmania, you are covered
recommend that you contact us to check under your state service scheme.
transportation will mean a journey from the
whether your current level of cover includes ° during a waiting period
place where immediate medical treatment VIC, SA, WA and NT members: if you
pregnancy and other related services in ° where a third party, including Medicare, a is sought to the casualty department of a reside in victoria, South australia, western
advance. this is because there is a 12-month government body, or an insurance company
receiving hospital. australia or the northern territory you will
waiting period applied to all pregnancy related provided a benefit (except for hearing aids
receive cover for recognised emergency
services (including childbirth) and assisted and breast prosthesis items) emergency ambulance transportation is
ambulance transport and on-the-spot
reproductive services. defined as air or road transportation by
° for different services within the same service treatment from us. this is as long as you
type from the same provider on the same a Recognised ambulance Provider of an
no waiting periods will apply to the newborn don’t have an ambulance subscription with
day. For example, if you went to see an unplanned and of a non-routine nature for
provided they have been added to the your state ambulance service or cover
acupuncturist and then received a massage the purpose of providing immediate medical
appropriate family hospital cover within two through a state-based arrangement.
from the same provider on the same day, attention to a person.
months of their birth. Most state schemes cover their respective
you cannot claim for both services whether the transportation is deemed an
residents within their state of residence
° when a prescribed treatment is not fully emergency is determined by the paramedic
only. however, some states have entered
undeRStanding custom made (e.g. orthotics, surgical shoes) and usually recorded on the account.
into reciprocal agreements that allow you
youR extRaS CoveR
° when a provider is not recognised by us for Benefits are not payable for: to be covered for ambulance services
What is covered? benefit purposes when you travel outside your state of
° transportation from a hospital to residence. you should check with your
with extras cover, you can claim benefits for ° for any treatment or service rendered your home
those services listed on your cover and that outside australia state ambulance provider for when these
° transportation from a hospital to a reciprocal arrangements apply and the level
are not claimable elsewhere (e.g. from a third ° when you have reached the maximums on nursing home
party like Medicare). of cover offered.
your product including annual, lifetime or
service limits for the service you ° transportation from a hospital to another if you fall outside your state-based
For example, Medicare does not provide hospital where the customer has been
are claiming. arrangement (including any reciprocal
benefits for: admitted to the transferring (first) hospital
agreement) and are not covered for
° most dental examinations and treatment ° transportation from the person’s emergency ambulance services, you will
the following waiting periods apply for home, a nursing home or hospital for be covered by Bupa up to the annual cap,
° most physiotherapy, occupational therapy, extras cover: ongoing medical treatment,
speech therapy, eye therapy, chiropractic as long as your level of cover contains
(e.g. chemotherapy, dialysis). ambulance cover and the services are
services, podiatry or psychology services ° initial waiting period – two months
Ambulance Cover provided by a recognised provider.
° acupuncture (unless part of a doctor’s ° hire, repair and maintenance of health aids
consultation) or other natural therapies and appliances; and living well Programs – we recommend that you take out an Recognised Ambulance Providers
six months ambulance subscription with your
° glasses and contact lenses Bupa will only pay benefits towards
recognised State ambulance Provider if it’s
° most health aids and appliances ° major dental, orthodontics, selected health ambulance services when they are provided
aids and appliances – 12 months available in your state (viC, Sa, nt and rural by any of the following recognised providers:
° home nursing. postcodes in wa).
extras cover allows you to claim benefits for ° laser eye surgery, covered only under ° aCt ambulance Service
ultimate health Cover – three years. we will only provide ambulance benefits, in
extras services as long as: ° ambulance Service of nSw
accordance with your level of cover, when
° the treatment is given by a private practice undeRStanding you do not hold a subscription with an ° ambulance victoria
provider who is recognised and registered ambulance provider and a state ambulance ° Queensland ambulance Service
youR aMBulanCe CoveR scheme does not provide cover.
with us for benefit purposes
° South australia ambulance Service
Emergency Ambulance definition
° they meet the criteria set out in our policies NSW and ACT members: if you reside in ° St John ambulance Service nt
and Fund Rules. when you or your partner take out our new South wales or the australian Capital
hospital cover, extras cover (emergency territory and you have hospital cover, you pay ° St John ambulance Service wa
we recommend you contact us before making
a booking to confirm how much you can claim ambulance services must be selected on an ambulance levy as part of your premium. ° tasmanian ambulance Service.
and to check that your chosen provider is your Choice extras) or packaged cover, this entitles you to free emergency ambulance Certain types of concession cards issued by
registered with us. you will receive capped cover for transport under the State government Centrelink or the department of veterans
recognised emergency ambulance ambulance transport schemes. when you affairs (dva) entitle the cardholders to free
transport and on-the-spot treatment. receive an account for ambulance transport, ambulance services. these arrangements also
an emergency is when there is reason to simply send it to us and we’ll endorse it for you vary per state so should be checked directly
believe that the patient’s life may be in to send back to the appropriate ambulance with Centrelink or the dva.
Changing youR CoveR during this time you will be covered, however Bupa Medical Gap Scheme ° no excess or co-payment applies to your
you will receive the lower benefits of the two this is a direct billing arrangement between children on certain hospital covers. Please
Switching from another health fund covers (this includes any applicable excess). contact us for further details.
Bupa and your doctor/s that in most instances
if you’re changing from another australian eliminates your out-of-pocket expenses for Exclusions
if you choose a lower level of cover than
health fund to Bupa, you’ll continue to be in-hospital doctors’ fees (the ‘gap’).
you previously held, then the lower benefits if you require treatment for a specific
covered for all benefit entitlements that
on your new cover will apply immediately if your doctor charges up to the Medicare procedure or service that is excluded under
you had on your old cover, as long as these
and may include different excess levels Benefits Schedule (MBS) fee or is your level of cover you will not receive
services are offered on your new cover with
or minimum benefits. you may also need participating in the Bupa Medical gap any benefits towards your hospital and
us. this is referred to as ‘continuity of cover’.
to serve waiting periods for services or Scheme, in most cases you will have no medical costs and you may have significant
to receive continuity of cover, you’ll need to
treatments that weren’t covered on your medical gap costs to pay. out-of-pocket costs.
transfer to us within 60 days of leaving your
previous cover. in this case you won’t be
old fund. if a service is not covered by Medicare there will
covered during the waiting period. For doctors who are not participating in
our Medical gap Scheme and are charging be no benefit payable from your hospital cover
when changing health funds, extras benefits
if you have any questions about transfers or above the MBS fee, we will pay the difference so you should always check with us to see if
paid by your old fund will be counted
waiting periods, just contact us. between the Medicare benefit and the MBS you’re covered before receiving treatment.
towards your annual maximums in your first
year of membership with us. any benefits Ending your membership fee. any amount above the MBS fee will be Health aids and appliances
paid by your old fund also count towards the amount you are required to pay and this is
we have the right to end a person’s to receive benefits for health aids and
lifetime maximums. referred to as the ‘Medical gap’.
membership as set out in our Fund Rules, appliances you’ll need to visit one of our
it’s important to note that when you change including where premiums have not Calendar year recognised providers. you’ll also need to
to Bupa from another fund you may need to been paid or on notice at the reasonable a calendar year is 1 January to 31 december. meet the eligibility criteria, provide proof
wait before you can receive your new benefits. discretion of Bupa. of purchase and a clinical referral where
in this situation, your benefit entitlements Emergency admissions required. it is important to note that benefits
are based on our nearest equivalent cover to in an emergency, we may not have time are not payable when a prescribed treatment
deFinitionS is not fully custom made (e.g. orthotics). visit
what you previously held. where your new to determine if you are affected by the
cover is higher than what you had with your Accidents pre-existing condition rule before your our website or contact us to find out more.
old fund, the lower benefit (including different an accident is an unforeseen event, occurring admission. Consequently, if you have been
Benefits for hire, repair and maintenance of
excess levels) will apply for the waiting by chance and caused by an unintentional and a Bupa member for less than 12 months
health aids and appliances are not payable in
period relevant for that service. Please refer external force or object resulting in involuntary you might have to pay for some or all of the
the first 12 months after purchasing an item;
to the listed waiting periods included under hurt or damage to the body, which requires hospital and medical charges if:
within 12 months following a repair;
the ‘understanding your extras Cover’ and immediate (within 72 hours) medical advice or ° you are admitted to hospital and you or on items where hire and repair are
‘understanding your hospital Cover’ sections treatment from a registered practitioner other choose to be treated as a private patient, deemed inappropriate.
of this guide. than the policyholder. and we later determine that your condition
was pre-existing. Home nursing
if you choose a lower level of cover than Annual maximums and service limits
you held previously, then the lower benefits Benefits are payable towards some home
an annual maximum is the maximum Excess or co-payment
on your new cover will apply immediately. nursing services that do not need to take place
amount you can claim in a service category to lower the cost of your hospital cover, on in a hospital and are provided in the home.
this may include a different excess level
per person and per calendar year (unless selected covers you can choose to include Please contact us to find out more.
or minimum benefits. you may also need
otherwise stated). For certain services, an excess or co-payment. excesses or
to serve waiting periods for services or Living Well Programs
annual maximums also apply on the number co-payments are only payable on overnight
treatments that weren’t covered on your
of times that benefits are payable for the and same-day inpatient hospital admissions our living well Programs help cover
previous cover. in this case you won’t be
same service (e.g. initial consultations). in any hospital. health-related programs from approved,
covered during the waiting period.
these maximums apply from the date of recognised providers. you can visit our
Changing your cover with us service or purchase. Some services also have ° an excess is a set amount you pay website for a list of our recognised providers.
upfront before your benefit is paid. the
if you change your health cover, you may lifetime limits or periodic annual maximums a living well Programs approval form
excess is paid each time a person on your
need to wait before you can receive your (e.g. orthodontics). Per person annual must be completed by your doctor for gym
membership is admitted into hospital, to a
new benefits. where your new level of cover maximums are not transferable to any other memberships, children’s swimming lessons
maximum of once per person and twice on
is higher than what you previously held, the member on your policy. (eligible products only), yoga and Pilates
the entire membership each calendar year
lower level of benefit applies. Please refer to confirm that the program is medically
unless otherwise specified.
to the listed waiting periods included under necessary. other benefit and recognition
the ‘understanding your extras Cover’ and ° a co-payment is an amount you agree to pay criteria apply. visit our website or contact us
towards the cost of your daily hospital bill. a to find out more.
‘understanding your hospital Cover’ sections
co-payment is charged per day and capped
of this guide.
after five days for each hospital admission.
Minimum Benefits Pharmacy in-hospital ° provide proof of purchase of what you have ° you can only suspend your policy twice per
For restricted services there will be full cover when you make a claim, we will deduct a spent before we can reimburse you for any calendar year
in a shared room with your choice of doctor pharmacy co-payment and pay the remaining services received
° one month contributions are required
in a public hospital and minimum/default balance up to the set amount under your ° submit your claims within two years of when between each suspension period.
benefits in a private hospital which would not chosen level of cover. the service was given (we don’t pay benefits to be eligible to suspend your cover you must:
be adequate to cover all hospital costs and are for any claims that are older than this).
Pre-existing conditions ° have been a financial member for at least
likely to result in large out-of-pocket expenses.
a pre-existing condition is any condition, Proof of identity and/or age 12 months
Out-of-pocket expenses ailment or illness that you had signs or Bupa may require you to provide proof of ° have a financial membership at the time
you are likely to experience out-of-pocket symptoms of during the six months before you identity and/or age when joining, changing of suspension
expenses when you are not fully covered for joined or upgraded to a higher level of cover your level of cover or in relation to any other
° apply for suspension prior to the
services and benefits, or when a set benefit with us. it is not necessary that you or your transaction with us. departure date
applies. you should refer to what is and isn’t doctor knew what your condition was or that
Special Benefits ° provide overseas travel documentation
covered for your relevant level of cover to the condition had been diagnosed.
if you’re on a cover that provides Special showing your departure and return dates
determine when an out-of-pocket expense
if you knew you weren’t well, or had signs of a
may occur. you should also refer to our Benefits cover, you could receive benefits ° notify us of your return to australia within
condition that a doctor would have detected for accommodation and meal costs if your 30 days of your arrival; and
Fund Rules for any additional information
(if you had seen one) during the six months partner, immediate family member, carer
on benefits payable. it is important to ensure ° complete an overseas travel
prior to joining or upgrading, then the condition or next of kin is required to stay at hospital
when being admitted to hospital that informed suspension form.
would be classed as pre-existing. with you or a person on your membership.
Financial Consent is provided to you for a pre-
your membership will be cancelled if
booked admission to allow you to understand a doctor appointed by us decides whether they will be covered for $60 per night for
any out-of-pocket expenses upfront. if you your condition is pre-existing, not you or your accommodation in hospital and up to $30
have received any out-of-pocket expenses and doctor. the appointed doctor must consider a day for hospital meals. hospital meals are Travel and accommodation
require clarification, please contact us directly. your treating doctors’ opinions on the signs covered when provided at a hospital cafeteria,
on select levels of extras cover, if you’re
and symptoms of your condition, but is not kiosk or patient meal menu. a $1,000 per
Pharmacy travelling for essential medical or hospital
bound to agree with them. person, per calendar year annual maximum
treatment because treatment you need
your extras pharmacy entitlement covers applies to Special Benefits.
cannot be provided by your own doctor, we
you for prescription only items that are not Premium and benefits
Surgically implanted prostheses will help cover the cost when the total return
supplied under the PBS (Pharmaceutical you must pay the premium and the lifetime distance is 200 kilometres or more from
Benefits Scheme); are tga (therapeutic goods health Cover loading that applies to you. you will be covered up to the benefit set out in
your normal place of residence.
administration) approved; are prescribed by a Premiums differ from state to state due the government’s Prostheses list for a listed
registered medical practitioner; supplied by a to different state charges. if you move to prosthesis which is surgically implanted as we also give a benefit towards your
Bupa recognised, registered pharmacist; and another state your premium will change too. part of your hospital treatment. overnight accommodation outside of hospital
not otherwise excluded by Bupa. therefore you must let us know about any for you and a caregiver. Check your extras
the Prostheses list includes: pacemakers,
change of address. cover to determine if you are covered for
when in hospital, if you are treated with drugs defibrillators, cardiac stents, joint
that are not PBS approved, you may not be fully to receive the benefits available on your cover, replacements, intraocular lenses and other
covered and the hospital may charge you for all you need to: devices. if a hospital proposes to charge you Waiting periods
or part of the cost. you should be advised by the a ‘gap’ for your prosthesis, they need your
a waiting period is the time between when
hospital of any charges before treatment. ° fully complete the application process and informed financial consent. Please contact us
you joined us and when you are covered
pay your premiums one month in advance. for further details.
there are some additional items that are for a service or treatment. if you receive a
or, if you’re on a corporate plan, it’s up
not covered by our pharmacy benefit and Suspension rules service or treatment during this time, you
to you to make sure payments are made
these include: are not eligible to receive a benefit payment
during times of unpaid leave or if your a membership may be suspended when
from us, regardless of when you submit the
employment ends travelling overseas for work or leisure. if you
° over the counter or non-prescription items are travelling overseas, you can suspend your
claim. different waiting periods apply for
° ensure that newborns are enrolled onto a different services.
° compounded items family membership within two months of membership. you can suspend your cover
° weight loss medication their birth to avoid any waiting periods for under the following circumstances:
(some weight loss medications are covered your baby
under the living well Programs) ° for a minimum period of two months
° enrol your adult children under their own ° for a maximum period of two years
° body enhancing medications names within 60 days after they no longer
(e.g. anabolic steroids). qualify under your cover (to avoid a break in
otheR iMPoRtant draw on the nominated account is identical providers for the purposes of administering Resolution of problems
inFoRMation to the account signing instruction held by or verifying any claim. we may disclose your if you have any concerns or you don’t
the financial institution where the account is personal information to our related entities understand a decision we have made, we’d like
Direct Debit Service Agreement based. you must notify us if the nominated and bodies corporate, or to third parties to hear from you.
if you’ve chosen to pay your premiums by account is transferred or closed. you must such as healthcare providers, government
direct debit then you’ve accepted the terms pay your premium by an alternative method and regulatory bodies, other private You can contact us by:
of our direct debit Service agreement. if either you or we cancel the direct debit health insurers and any persons or entities Telephone: 1800 802 386
arrangements. you must ensure your engaged by us or acting on our behalf. if you Fax: 1300 662 081
this agreement outlines the responsibilities payments are up-to-date, whether a notice is are the policyholder, you’re responsible for Email: email@example.com
of Bupa australia Pty ltd (“we”, “us”, received from us or not. ensuring that each person on your policy Mail: Customer Relations Manager
our”) and you. we will confirm the direct is aware that we collect, use and disclose Bupa australia
debit arrangements prior to the first if paying by credit card, you need to advise
their personal information as set out here Po Box 14639
drawing (including the premium amount us of your new expiry date prior to expiry.
and in our information handling Policy. each Melbourne viC 8001
and frequency) and debit your nominated you may request that we cancel or alter the
person on a policy aged 17 or over may
account. deductions will occur on the debit drawing arrangements by contacting if you’re still not satisfied with your
complete a ‘keeping it confidential’ form
nominated day, except for deductions us and providing at least five working outcomes from Bupa you may contact
to specify who should receive information
nominated for the 28th, 29th, 30th or 31st, days notice of any requested changes. the Private health insurance ombudsman
about their health claims. you are entitled
which will occur on the first day of the these changes may include deferring the on 1800 640 695 or visit them at
to reasonable access to your personal
following month. if the nominated day falls debit, altering the debit dates, stopping privatehealth.gov.au
information. we reserve the right to
on a weekend or public holiday, deductions an individual debit, suspending the direct
charge a reasonable fee for collating such
will be made on the closest business day. we debit arrangement or cancelling the direct
information. if you or any other person on
will debit all payments in advance and will debit completely. you can dispute any debit
your membership do not consent to the way
automatically vary the deduction amount if drawing or terminate the deductions at any
we handle personal information, or do not
your premiums or level of cover change. if time by notifying us in writing not less than
provide us with the information we require,
we vary the deduction amount, we will give seven days before the next scheduled debit
we may be unable to provide you with our
you at least 14 days written notice, except drawing. if you have any queries about your
products and services. we may use your
when the previous deduction is dishonoured, direct debit agreement, please contact
personal (including health) information to
when we will deduct the previous period’s us. we undertake to respond to queries
offer you health management programs
payment together with the current amount concerning disputed transactions within five
and services. when you take out cover with
due. if you pay premiums at three, six, and 12 working days of notification.
us, you consent to us using your personal
month intervals, then should your financial Privacy and your personal information information to contact you (by phone, email,
institution dishonour a drawing, we will draw SMS or post) about products and services
the payment on the nominated day of the your privacy and maintaining the
that may be of interest to you. if you do not
following month. if two or more drawings confidentiality of your personal information
wish to receive this information, you may
are returned unpaid by your financial is important to Bupa australia Pty ltd
opt out by contacting us.
institution, we will also stop deducting your (“we”, “us”, “our”). this statement provides
premiums from your nominated account a summary of how we handle your personal Can we help?
and will start sending you renewal notices, and health information. For further
if you have any questions we’re always
pending further instructions from you. we information about how we handle your
happy to help. Simply refer to the back
will maintain the privacy and confidentiality personal information, you should refer to
cover for our contact details and call us, visit
of your billing information (unless you our information handling Policy, available
our website or pop by your local centre. if
have requested or consented that we on our website or by calling us. we will
you would like more information about our
can disclose it to a third party or the law only collect personal information (including
Fund Rules or the Federal government’s
requires or allows us to do so). we may health information) about you and those
Private health insurance industry Code of
provide information to our or your financial people insured under your policy to provide,
Conduct, you can find this information on
institution to resolve a dispute on your manage and administer our products and
our website. the Federal government’s
behalf. you must ensure your nominated services to you and to operate an efficient
Private Patient’s hospital Charter is available
account permits direct debiting and that and sustainable business. we are required
sufficient cleared funds are available in to collect and maintain certain information
that account on the due date to cover the about you and those on your policy to
premiums due. your financial institution may comply with the Private health insurance
charge a fee if the payment cannot be met. act 2007 (Cth) and related legislation.
you must ensure the authorisation given to we may also collect personal and health
information about you from health service
for m or e In fo r mat I o n Bupa
Po Box 14639
Call us on 134 135 MelBouRne viC 8001
Bupa australia Pty ltd
Visit bupa.com.au aBn 81 000 057 590
Drop by your local Bupa centre effective 1 april 2012
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