CORPORATE HEALTH COVER
DISCOVER THE
BENEFITS OF
CORPORATE
COVER
BUPA. FIND A HEALTHIER YOU
At Bupa, it’s our purpose that
makes us different – helping
our members to live longer,
healthier, happier lives.
This brochure is a summary of
the cover we offer. If you want
more information, including
what's covered and what's not
read this together with our
Important Information Guide at
bupa.com.au/corporate-info
Unsure of any words?
Visit bupa.com.au/glossary
For more information
134 135
bupa.com.au/corporate
To log in, get your username and password
from your employer or call us on 134 135.
Visit a local Bupa centre
WHY HAVE
PRIVATE HEALTH COVER?
Reduce waiting time
Choose your doctor
Get treated sooner by going to
a private hospital.
Your choice of specialist and even
where you’d like to be treated.
Claim on most Extras
Save money
Enjoy the benefits of being able to
claim for most Extras including dental,
physio, optical and chiro.
Depending on your income and
your age you could save money by
taking out hospital cover. Talk to
your tax advisor or visit ato.gov.au
to find out what this means for you.
Avoid Lifetime Health
Cover loading
The Australian
Government Rebate on
private health insurance
Avoid the Federal Government’s
Lifetime Health Cover (LHC) loading
by taking out hospital cover by
30 June following your 31st birthday.
To find out more visit bupa.com.au/lhc
This could make your cover even more
affordable. Find out what the Rebate
means for you at bupa.com.au/rebate
1
SIMPLE AFFORDABLE COVER
TO SUIT YOU NOW
COMPETITIVE
CORPORATE
COVER
Corporate hospital and
extras cover
Designed to suit different needs.
OUTSTANDING
VALUE
Gap free same day treatment
No out-of-pocket hospital or medical
expenses at Members First day facilities
(any excess and/or co-payments related
to your level of cover will still apply.
Not available in NT).
Members First
Provider Network
Our national network of hospital and
extras^ providers can help you to reduce
or eliminate out-of-pocket expenses.
^Dental, optical, physio & chiro.
2
EASY AND
CONVENIENT
MyBupa online portal
Manage your cover at a time that
suits you.
Accessible health support
You can access a range of online tools
and apps to help manage your health.
Easy to use
Extensive range of extras providers
offering on-the-spot claiming.
MORE THAN
HEALTH
INSURANCE
Save money with our
Bupa Member Exclusives
Great offers and discounts for things
you will be sure to use like gym
memberships, movie tickets and more.
Visit bupa.com.au/MemberExclusives
Travel Benefits
We offer benefits for overseas travel
including a 24 hour health advice line
and benefits for travel vaccines.
Visit bupa.com.au/other-insurance
for information around our other
insurance products and discounts
for Bupa members.
3
FIND THE RIGHT CORPORATE
COVER FOR YOU
Choose our
Ultimate
packaged
cover
Your choice
starts here
OR
Create
your own
package
4
Choose
Ultimate
Corporate
Health
Cover
PAGE
6&7
Choose
your
hospital
cover
PAGE
8&9
AND
Choose
your
extras
cover
PAGE
12 & 13
Extras are only available
when combined with a level
of Corporate hospital cover.
5
ULTIMATE CORPORATE
HEALTH COVER
To see a list of what's covered and what's not covered, see page 10 and 11.
There are some situations you won't be covered for and you may have to pay
an out-of-pocket cost. For more info, read the Important Information Guide at
bupa.com.au/corporate-info
You receive:
Ultimate Corporate
Health Cover
° 100% back# at any recognised provider
up to the first $500 per person
per year for general dental
Our premium option for ultimate peace of
mind, with top hospital and extras cover
and our dedicated 24/7 advice line.
° 100% back at any recognised provider
for major dental and orthodontics up
to yearly limits per person
100%
° 100% back# at any recognised provider
up to the first $350 per person
per year for physio and chiro.
Top level of hospital cover
Top level of extras cover
Amount you get back# (limits apply)
Yearly limits
Extras
General Dental
Unlimited
Major Dental
$1,600
Optical
$420^
Physio
$1,500
$1,000 
$1,600 z
Chiro
Natural therapies
$1,000
Ultimate Corporate Health Cover includes these hospital features:
Emergency
ambulance
Medical
cover
Private
hospital cover
Plus more, see page 10 for the full list
 Per person
z Per membership
For most items at all recognised providers covering dental, physio & chiro. Excludes hospital treatments.
Fund rules, waiting periods and yearly limits apply. ^At Members First Optical providers only. A lower limit applies
at other providers.
#
6
BONUS ULTIMATE CORPORATE
HEALTH COVER FEATURES
° Medical gap bonus – receive $200 when you join and every calendar year thereafter.
This can be used towards a doctor or specialist’s out-of-pocket costs (whilst in hospital)
and any unused bonus amounts will accumulate each year
° 100% rebate on Ambulance subscription
° 100% back on laser eye surgery at recognised providers.
Plus:
Accident benefit
Gap free optical
If you are hospitalised due to an
accident an additional $2,000 per person,
$4,000 per membership can be put
towards extras claims once you’ve
reached your extras yearly limits.
You’ll have access to the ‘no gap’ range
of fixed priced packages on glasses and
contact lenses at no additional cost† if you
visit our Members First optical providers.
No gap for kids
Private room offer
We’ll cover the cost of your kids’
physio and general dental in most
instances until they turn 25.*
At our Members First hospitals, you’ll receive
a private room when you book your overnight
stay, otherwise receive $50 back per night
(when a private room is not available).**
†On selected optical packages. Conditions apply. Optical benefits are subject to your level of cover. Fund rules,
waiting period and annual maximums apply. *When treatment is provided by a Members First physiotherapist
or dentist. Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only.
Excludes orthodontics and hospital treatments. **Conditions apply – contact us for details.
7
HOSPITAL COVER
AT A GLANCE
Hospital cover helps cover your costs as a private patient in hospital, including
treatment and accommodation. Choose from our three excellent options –
depending on your needs and budget. There are some situations you won’t be
covered for and you may have to pay an out-of-pocket cost. For more info, read the
Important Information Guide at bupa.com.au/corporate-info
COMPREHENSIVE COVER
Corporate Hospital
Top
Corporate Hospital
Intermediate
Comprehensive cover, with additional
benefits including Family in-hospital
benefit and no excess for kids.
Our medium level of hospital cover,
includes cover for cardiac, pregnancy
and no excess for kids. Minimum
benefits apply to some services.
Top level of hospital cover
NIL
EXCESS
250 $500
NIL
$
EXCESS
Medium level of hospital cover
EXCESS
EXCESS
250 $500
$
EXCESS
EXCESS
All covers above include these hospital features:
Emergency
ambulance
Plus more, see page 10 for the full list
8
Medical
cover
Private
hospital cover
All our hospital covers include
° Accommodation in a private hospital or
as a private patient in a public hospital*
° Operating theatre, intensive care fees
° Surgically implanted prostheses up to
the approved minimum benefits in the
Government Prostheses List
BASIC COVER
° Allied health services including
physiotherapy, occupational therapy
and dietetics whilst in hospital
Corporate Hospital
Saver
° PBS drugs supplied as an inpatient
° Medical Benefit Schedule (MBS) fee
or gap cover amount if your doctor
participates in this.
Budget-friendly hospital cover,
with minimum benefits on the things
less likely to be needed.
Medical cover
Basic level of hospital cover
NIL
EXCESS
250 $500
$
EXCESS
EXCESS
Cover for medical services provided
during a hospital stay such as specialists
and diagnostic services e.g. pathology
and radiology.
Out-of-pocket costs depend on whether
doctors and specialists participate in the
Bupa Medical Gap Scheme.
There are a range of options that you can
consider if you need to go to hospital and we
will be there to help you understand these.
Emergency ambulance
Emergency ambulance cover is capped
at 1 trip for single memberships, 2 trips
for couples/families per year.
Private room offer
At our Members First hospitals, you’ll receive
a private room when you book your overnight
stay, otherwise receive $50 back per night
(when a private room is not available).^
*If you choose to be treated as a private patient in a public hospital and choose a private room, you may have to pay
an out-of-pocket charge. ^Conditions apply – contact us for details.
9
COMPARE AND CHOOSE
YOUR HOSPITAL COVER
For full details of what's covered and what's not, see the Important Information Guide
at bupa.com.au/corporate-info
Packages
Hospital only
Ultimate
Corporate
Health Cover
Corporate
Hospital
Top
Corporate
Hospital
Intermediate
Corporate
Hospital
Saver
Rehabilitation services
9
9
9
9
9
9
9
Pregnancy
(including childbirth)
9
9
9
{
IVF & assisted
reproductive services
9
9
{*
{
Renal dialysis
9
9
9
9
9
9
9
9
Cataract and eye lens
procedures
9
9
{
{
9
9
9
9
{
{
All other joint replacements
9
9
Gastric banding &
obesity related treatment
9
9
9
{*
Knee Arthroscopy and
Meniscectomy Procedures
9
9
9
9
Appendicitis
9
9
9
9
Removal of
Tonsils and Adenoids
9
9
9
9
Minor Gynaecological Surgery
9
9
9
9
9
9
9
9
All other in-patient treatments
receiving Medicare Benefits
9
9
9
9
Cosmetic surgery not
clinically required
9
9
9
9
9
9
9
9
NIL
NIL
$250
$500
NIL
$250
$500
NIL
$250
$500
9
9
9
Psychiatric services
Cardiac services
Hip/knee replacement
Dental Surgery
Health subscription refunds^
Family in-hospital benefit
Emergency Ambulance
Excess option
No excess for kids
{
Want to see the extras cover that comes with your package?
Go to page 14
*Effective 1 June 2014. ^Available on Corporate Hospital Top Nil and $250 excess only.
10
Waiting periods
The following waiting periods apply:
° palliative care, psychiatric and
rehabilitation services – two months
° pre-existing conditions, ailments
or illnesses and pregnancy
(including childbirth) – 12 months
° laser eye surgery covered under
Ultimate Corporate Health cover only
– 12 months
° all other treatments included
in your cover – two months.
Excess
The excess is capped at once per person,
twice per membership, per calendar year.
{ Minimum
Benefits
For services in a private hospital which
are recognised by Medicare, we will pay
minimum shared room benefits and you will
have your choice of doctor. These benefits
would not be adequate to cover all private
hospital costs and are likely to result in large
out-of-pocket expenses.
11
EXTRAS COVER
AT A GLANCE
Extras cover is an easy way to help maintain your health. That’s why we have extras
including dental, physio and natural therapies that can make all the difference to
help keep your health on track.
Extras are only available when combined with a level of Corporate hospital cover.
COMPREHENSIVE COVER
Corporate
Advantage
Corporate
Classic
Access a wide range of services
with at least 90% back at our
Members First providers.
Includes a wide range of extra services
and generous benefits with at least
80% back at our Members First providers.
Extras cover
Extras cover
Top level of extras cover
Medium level of extras cover
90%
Minimum amount you get back™
80%
Minimum amount you get back™
Extras
General dental
Yearly limits
Unlimited
Extras
General dental
$400 $500 Major dental
$1,100
Major dental
Optical
$300^
Optical
Physio
$500 combined with
other services
Chiro
Natural therapies
$600 
$1,200 z
$400
Yearly limits
Physio
Chiro
Natural therapies
$240
$400 combined with
other services
$500 
$1,000 z
$600
combined with
other services
Members First provider network
With our Extras covers, you can enjoy the advantages of our extensive network of dental,
optical, physiotherapy and chiropractic providers. When you choose to visit a Members First
provider, in most instances you will receive higher benefits and have the certainty of knowing
how much you’ll get back.™
™For most items at our Members First providers covering general dental, physio, chiro and selected optical.
Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods
and annual maximums apply. ^At Members First optical providers only. A lower limit applies at other providers.
12
General
dental
Physio
Optical
BASIC COVER
Corporate
Essentials
Extras cover
Basic level of extras cover
70%
Minimum amount you get back™
Yearly limits
A pre-defined amount you’ll get back for
a service when you get treatment from
someone outside the Bupa Members First
provider network.
Optical
Loyalty Maximums
We increase how much you can claim
each year by 20% of the initial amount
for some extras services (applies after
the first 12 months up to a maximum
increase of up to 100%).
Gap free optical
$200
No gap for kids
$300
combined
limit
Natural therapies
The most you can claim per person in a
calendar year, depending on your cover.
$400
Major dental
Chiro
Set benefits
You’ll have access to the ‘no gap’ range
of fixed priced packages on glasses and
contact lenses at no additional cost† if you
visit our Members First optical providers.
General dental
Physio
Natural
therapies
Yearly limits
Cover for key extras services with at least
70% back at our Members First providers.
Extras
Chiro
We’ll cover the cost of your kids’ physio
and general dental in most instances until
they turn 25* (available under Corporate
Advantage and Corporate Classic Covers).
See more details on page 14 and 15
 Per person
z Per membership
†On selected optical packages. Conditions apply. Optical benefits are subject to your level of cover, fund rules,
annual maximums and waiting periods. *When treatment is provided by a Members First physiotherapist or dentist.
Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes
orthodontics and hospital treatments.
TO FIND OUT MORE ON WHAT YOU CAN CLAIM, VISIT BUPA.COM.AU/BENEFIT-GUIDES
13
CHOOSE YOUR EXTRAS COVER
This table shows yearly limits
per person.
Packaged
Ultimate
Up to 100% back# (limits apply)
Services
Waiting
periods
General dental
Unlimited
2 months
Gap free general dental
for kids*
9
Major dental
$1,600
12 months
Orthodontics
$1,400  Lifetime Limit $3,200
Optical
$420 ­ $300 œ
No gap optical^
9
Chiropractic and osteopathy
Physiotherapy
$1,000  $1,600 z
2 months
Gap free physio for kids*
9
Ante and Post Natal
Living Well (see page 16)
$1,500
$500
6 months
Pharmacy**
$300
$1,500
Natural therapies
$1,000  Massage sub-limits: $250  $500 z
Psychology
$1,000
Dietary
$1,000
Podiatry (excludes orthotics) 2 months
$1,000
Speech Therapy
$1,000
Eye Therapy
$1,000
Occupational Therapy
$1,000
Home Nursing
$400
Health aids and appliances+
12 months
$1,000 
Travel and accommodation
2 months
$200 travel, $300 accommodation
Accident Benefit^^
Nil
$2000  $4000 z
Emergency ambulance
Nil
1 trip per year (singles)/2 trips per membership (couples and families)
 Per person ­ Members First œ Non-Members First z Per membership „ Combined Maximum W New members
For most items at all recognised providers covering dental, physio & chiro. Excludes hospital treatments. Fund rules,
waiting periods and yearly limits apply. *When treatment is provided by a Members First physiotherapist or dentist.
Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes orthodontics
and hospital treatments. ^On selected packages at Members First optical providers. Conditions apply. Optical benefits
are subject to your level of cover, fund rules, annual maximums and waiting periods.
#
14
Choose your own extras
Corporate Advantage
Corporate Classic
Corporate Essentials
At least 90% Back™
At least 80% Back™
At least 70% Back™
Year
1
2
3
Unlimited
9
Amount
$640
$720
$800
$400 „
9
Year
1
2
3
$1,100
$1,200  Lifetime Limit $2,600
Year
1
2
3
Year
4
5
6+
Amount
$400
$480
$560
Amount
$0 W
$500
$600
Year
4
5
6
6+
Amount
$700
$800
$900
$1,000
$400 „
Combined with general dental
Lifetime Limit for orthodontics
$1,600 
$300 ­ $250 œ
$240
$200
9
9
9
$600  $1,200 z
$500  $1,000 z
Year
4
5
6+
Amount
$500
$600
$700
Amount
$800
$900
$1,000
Year
1
2
3
Year
4
5
6+
Amount
$400
$480
$560
Amount
$640
$720
$800
$300 „
9
9
Combined with Physiotherapy
Combined with Physiotherapy
$100
$100
$100
$450
$300
$400
$150
Combined with Physiotherapy
$500  $1,000 z
$600 „
$500 „
$350
$350
90% of the cost to yearly limit 
Sub-limits apply.
Combined with Natural therapies
80% of the cost to yearly limit 
Sub-limits apply.
$100 – Travel $150 – Accommodation
$2,000 $4,000 z
1 trip per year (singles) 2 trips per membership (couples and families)
**Benefits for prescription items that are non-PBS, TGA approved, and not appearing on our exclusions list.
+A combined annual maximum applies to this service category. Limits apply. ^^When an accident requires urgent
hospital treatment, you can boost annual maximums on extras or pay for your hospital excess. ™For most items at our
Members First providers covering general dental, physio, chiro and selected optical. Includes major dental in VIC and
SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply.
15
Living Well
Provides cover for treatments which help
you live a healthier lifestyle. These include:
gym memberships, yoga, Pilates, nicotine
replacement therapy, weight management
programs. Gym memberships, yoga and Pilates
require your doctor or recognised provider
to complete a Living Well form to confirm the
program is medically necessary for your health.
16
BUPA HEALTH
COVER MADE EASY
Log in to bupa.com.au/corporate
To log in, get your username and password
from your employer or call us on 134 135.
Unsure of any words? Visit:
bupa.com.au/glossary
Other important information
you should know can be found at:
bupa.com.au/corporate-info
To find out more about what the
Australian Government Rebate on private
health insurance means for you, visit:
bupa.com.au/rebate
To get a quote:
134 135
bupa.com.au/corporate
Visit a local Bupa centre
17
FOR MORE INFORMATION
134 135
bupa.com.au/corporate
Visit your local Bupa centre
The World of Bupa
Bupa
PO Box 14639
MELBOURNE VIC 8001
Bupa Australia Pty Ltd
ABN 81 000 057 590
Effective 1 April 2014
10283-04-14S
18
Health Cover
Health Coaching & Programs
International Health Cover
Corporate Health Solutions
Optical Products & Services
Dental Services
Aged Care
Medical services
Travel, Home & Car Insurance
Life Insurance