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Bupa HI Pty Ltd

HealthLink Essentials $250 Excess - Gold

Corporate Policy

$298.05 / month

(Before Rebate, Discount & Loading)

Available in WA

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 covers: Only one person.

Corporate policy: Employees of organisations with arrangements with this health insurer

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.

Policy ID: BUP/J13B/WHGF10 Source: Private Health Information Statement (PHIS)

Hospital Cover

Covered

Restricted Cover

Not Covered

This policy includes cover for

Assisted reproductive services

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

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.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $250 per admission. This is limited to a maximum of $250 per person and $250 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
12 months for pregnancy and birth (obstetrics)
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

An affordable package with comprehensive hospital to help protect you or your family. For more details on the product contact Bupa.

We have agreements with a network of dental practitioners, chiros & physios across Australia called Members First providers. By using them, in most cases you’ll receive up to 90% back, up to yearly limits. See http://www.bupa.com.au/find-a-provider.

Policy ID: BUP/J13B/WHGF10 Source: Private Health Information Statement (PHIS)

Extras Cover

This policy includes General treatment (Extras) cover for

Note, for treatments marked with * : Periodic oral examination (012), Scale & Clean (114), Fluoride treatment (121) payable once every 6 months. 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

Acupuncture

$100 per policy

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

Initial visit: $32
Subsequent visit: $25

Ante-natal/Post-natal classes

$350 per policy

combined limit for ante-natal/post-natal classes, chiropractic, osteopathy, physiotherapy & other services

Initial visit: $31.5
Subsequent visit: $31.5

Chinese medicine

$100 per policy

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

Initial visit: $18.4
Subsequent visit: $18.4

Chiropractic

$350 per policy

combined limit for ante-natal/post-natal classes, chiropractic, osteopathy, physiotherapy & other services

Initial visit: $35
Subsequent visit: $25

Exercise physiology

$100 per policy

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

Initial visit: $21.45
Subsequent visit: $18.4

General dental*

$350 per policy

Fluoride treatment: $14.5
Scale & clean: $48.5
Surgical tooth extraction: $116.75
Periodic oral examination: $25

Health management / Healthy lifestyle

$50 per policy

Health management: 50% of charge

Non PBS pharmaceuticals*

$100 per policy

Per eligible prescription: $50

Optical

$150 per policy

Multi-focal lenses & frames: $150
Single vision lenses & frames: $150

Osteopathy

$350 per policy

combined limit for ante-natal/post-natal classes, chiropractic, osteopathy, physiotherapy & other services

Initial visit: $40
Subsequent visit: $34

Physiotherapy

$350 per policy

combined limit for ante-natal/post-natal classes, chiropractic, osteopathy, physiotherapy & other services

Initial visit: $37
Subsequent visit: $30

Remedial massage

$100 per policy

combined limit for acupuncture, chinese medicine, exercise physiology & remedial massage

Initial visit: $24
Subsequent visit: $24

Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice.

This policy does not include General treatment (Extras) cover for

Audiology

Blood glucose monitors

Dietetics/dietary advice

Endodontic

Eye therapy (orthoptics)

Hearing aids

Home nursing

Major dental

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Psychology

Speech therapy

Vaccinations

Other features of this general treatment cover: Includes other value features such as an Accident Benefit if hospitalised, that helps pay for your hospital excess or that you can use to boost limits on your Extras cover. For more, see Important Information Guide at bupa.com.au

Ambulance cover

In WA this policy provides:

Emergency: Unlimited with no waiting period.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: 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.

For further information about this policy see: http://www.bupa.com.au/health-insurance/cover/ambulance

Insurer Details

Bupa HI Pty Ltd

HealthLink Essentials $250 Excess - Gold

Corporate Policy

$298.05 / month

(Before Rebate, Discount & Loading)

Available in WA

Call now 134 135 Sponsor link

Bupa HI Pty Ltd

http://www.bupa.com.au

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Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/BUP/J13B/WHGF10