Hospital and medical
ESSENTIAL
VISITORS COVER
Whats covered
Hospital Costs
You can choose to be treated as a private
patient in a public or in a private hospital.
We will cover you as a private patient in all
Members First, Network and public hospitals
in Australia. When admitted to hospital, in
most cases you will be covered for in-hospital
charges including:
Accommodation for overnight or
same day stays (shared room only)
Operating theatre, intensive care and
labour ward fees
Reimbursement on emergency department
facility fees at any public or private hospital,
ifadmitted
Supplied pharmaceuticals approved by the
Pharmaceutical Benets Scheme (PBS)
and provided as part of your in-hospital
treatment
Physiotherapy, occupational therapy, speech
therapy and other allied health services
Surgically implanted prostheses up to
the approved minimum benets in the
Government Prostheses List
Private room where available.^
Medical Costs
These are the fees charged by a doctor,
surgeon, anaesthetist or other specialist for any
treatment given to you. You are covered for:
The cost of in-patient medical services up
to 100% of the Medicare Benets Schedule
(MBS) fee. This is the amount determined by
the Federal Government as the appropriate
fee for a specic service
Medical treatment as a hospital outpatient
or by a doctor or specialist in private
practice anywhere in Australia, for up to
100% of the Medicare Benets Schedule
(MBS). This is the amount determined by the
Federal Government as the appropriate fee
for a specic service
Most diagnostic tests recognised by
Medicare (e.g. pathology, radiology).
If your specialist charges more than the Schedule
Fee there will be a gap for you to pay. However,
our Medical Gap Scheme can help eliminate
or reduce the gap for you (see next page).
Other Costs
You will also receive:
Full ambulance cover including uncapped
emergency and non-emergency
transportation and on-the-spot treatment
by our recognised providers
^Conditions apply, contact us for details.
1 April 2015
Cover for repatriation to your country of
origin if you become terminally ill or if you
suffer a substantial life altering illness/injury WHY BUPA?
up to $100,000. Or for the return of mortal
remains up to $10,000. Benets are only
payable once approved by Bupa
Selected pharmacy items. You pay $20 then
we refund 60% of the balance per script
item up to a maximum of $300perperson
per calendar year. This is provided the
items usage is approved by the Therapeutic OVER 65 YEARS
Goods Administration (TGA). EXPERIENCE
IN HEALTH
Whats not covered
Hospital Costs
Situations when you are likely not to be
covered include:
During a waiting period A waiting period
is the time when you are not covered for a
particular service. It starts on the date that A GLOBAL
you enter Australia or the date that you start HEALTHCARE
your membership, whichever is the later date LEADER
When specic services or treatments are
excluded or restricted from your level of cover
You will not be fully covered for treatment at
a non-agreement or xed fee hospital
Hospital treatment provided by a
practitioner not authorised by a hospital
to provide that treatment
Hospital treatment for which Medicare
pays no benet, including most cosmetic
and reconstructive surgery
If you are in hospital for 35 days and you
have been classied as a nursing home type HELPING OUR
patient. In this situation you may receive MEMBERS
limited benets or be required to make a LIVE LONGER,
personal contribution towards the cost of HEALTHIER,
your care HAPPIER LIVES
Benets for pharmaceuticals supplied
upon discharge from the hospital
Non-PBS, high cost drugs
If you choose to use your own allied
health provider rather than the hospitals
practitioner for services that form
part of your in-hospital treatment (e.g.
Essential Visitors Cover_Product Sheet_11126-04-15S
chiropractors, dieticians or psychologists)
Where compensation, damages or benets EXTRA VALUE FROM
YOUR MEMBERSHIP
may be claimed by another source
(e.g. Workers Compensation) Health Programs
Any treatment or services rendered We have a range of
outside Australia. health programs covering
asthma, arthritis, back
Medical Costs pain, chronic obstructive
You will not be covered for: pulmonary disease,
congestive heart failure,
Medical services for surgical procedures coronary artery disease
performed by a dentist, surgical podiatrist and angina, depression,
or any other practitioner or service that is osteoporosis and diabetes
not eligible for a rebate by Medicare which can help you better
manage your health.
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Hospital and medical 1 April 2015

ESSENTIAL VISITORS COVER

Costs for medical examinations, x-rays, incur any out-of-pocket expenses. And, if
inoculation or vaccinations and other there is a gap, you should be advised of the
treatments required relating to acquiring amount before your treatment. You should ask
avisa for entry into Australia or permanent your specialist if they will use our Medical Gap
residency visa. Scheme for yourtreatment.
myBupa
Exclusions Weve also partnered with Genesis Heart Care, myBupa is your personal
a network of cardiologists across Victoria, online member portal.
Bupa pays benets under your visitors
Queensland, South Australia and Western You can use it to do
coverfor services that Medicare covers.
Australia focusing on providing quality, things like:
Medicare does not cover some health
evidence based cardiology services. When you
screening services and services that are not
see a cardiologist from Genesis Heart Care you claim on most extras
medically necessary. Thefollowing services check your
will have no out-of-pocket expenses for your
are not covered under thisproduct: claims history
in-hospital cardiologist treatment. Youll also
IVF and assisted reproductive services be provided with information and advice so manage your
you can make informed decisions about your contact details.
Outpatient psychiatric and treatment and lifestyle. If you havent registered
psychologybenets yet it only takes a
Do you have to pay Australias
Bone marrow transplants couple of minutes, visit
Medicare Levy Surcharge?
bupa.com.au/myBupa.
Organ transplants The Medicare Levy Surcharge (MLS) is an You can also do all this
additional surcharge on top of the Medicare from your mobile by
Cosmetic surgery (that is not clinically Levy paid by all eligible taxpayers in Australia. visiting bupa.com.au or
necessary and where benets are not You will have to pay the MLS if you are from by downloading the Bupa
payable by Medicare). a Reciprocal Health Care Agreement (RHCA) mobile app from the App
country1 and are eligible for a Reciprocal Store* or Google Play.#
This means you will not be covered for the Medicare card in Australia and earn over the
following when they are provided out of *App Store is a service mark of
threshold amount for singles, or couples and Apple Inc. #Android and Google
hospital (including hospital outpatient clinics families, set by the Australian Government. Play are trademarks of Google Inc.
when you are not admitted): If this applies to you, and you purchase Member
Psychology and psychiatric services. Reciprocal Health Cover in addition to your Discount Partners
overseas visitors cover, at the end of the
nancial year youll receive a tax statement Keep your mind and
Minimum Benets
body active with some
When you are admitted for pregnancy (including which can be provided to the Australian Tax
great member discounts
childbirth), you will receive cover for shared room Office to exempt you from paying the MLS. on things including gym
accommodation in a public hospital only with Ifyoure unsure or have any questions about memberships, movie
your choice of doctor. If you choose to be treated how the MLS could affect you, please discuss vouchers and theme
in a private hospital, youll receive shared room with your accountant or visit ato.gov.au. park entry. With a wide
minimum benets (as set by the Government) 1. RHCA countries include Belgium, Finland, the Republic range on offer theres
which may result in large out ofpocket costs. of Ireland, Italy, Malta, Netherlands, New Zealand, something for everyone.
Norway, Slovenia, Sweden, and United Kingdom. Visit bupa.com.au/
MemberExclusives
Things you should know Call us rst
By your side
Hospital and medical waiting periods If youre planning a treatment or hospital wherever you are
A waiting period is the time when you are not admission, call us rst so we can discuss your If the unexpected
options, work out what youre covered for and happens during your
covered for a particular service. It starts on
check that youve served any relevant waiting stay in Australia or while
the date that you enter Australia or the date
periods. This can help you avoid any unnecessary youre travelling overseas,
that you start your membership, whichever
out-of-pocket expenses and allow you to make our 24-hour health
is the later date. Once you have completed
more informed choices and be condent about advice line can provide
your waiting period, you will receive the full
what to expect during your hospital stay. you with phone based
benets listed under your level of cover for
support and information
that service. Different waiting periods apply
For more information including advice about
for different services. simple medical problems,
Call us on 134 135 nearest medical facilities
Pre-existing conditions, and translation services.
ailments, or illnesses 12 months Plus, if youre planning
Essential Visitors Cover_Product Sheet_11126-04-15S

Visit bupa.com.au/overseas
Pregnancy atrip overseas, you can
(including childbirth) 12 months Drop by your local Bupa centre get medical information
on the countries you are
Medical Gap Scheme and Genesis Heart Care visiting. Just look for the
Please contact us for a full list of visa types number on the back of
Our Medical Gap Scheme is a direct billing this cover is suitable for. your membership card.
system that your specialist can use to eliminate Please note: If you are applying for a working
or reduce any gaps. A gap is any amount Benets are payable for
visa e.g. 457 Long Stay Working Visa, this any hospital, medical or
charged by your doctor above the Schedule fee. cover meets the minimum level of insurance extras services with a
When your doctor/s choose to participate in required as set out by the Department of current or valid visa only.
the scheme they bill us directly and in most Immigration and Border Protection (DIBP).
cases you wont receive a bill and you wont

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