ASIAL Health Plan Brochure

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/info

Unsure of any words? Visit bupa.com.au/glossary

For more information

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Visit a local Bupa centre

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SImple affordable coVerto SUIt yoU Now

aFForDaBle cover

tailored health coverNo matter what life stage you are at, we have affordable cover to suit your needs.

Members First provider NetworkOur national network of hospital and extras^ providers can help you to reduce or eliminate out-of-pocket expenses.

^Dental, optical, physio and chiro. *Discount is reviewed periodically by Bupa and your Company and is subject to change. Must pay by direct debit or payroll deduction (if available).

As part of the Australian Security Industry Association Limited (ASIAL) health plan, you’ll receive a 3% discount off your health cover.*

canstar awardIndependently awarded Outstanding Value Health Insurance Australia 2013.

Gap free same day treatmentNo 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).

oUtStaNDING valUe

3

easy anD Convenient

More than health insUranCe

Mybupa online portal Manage your cover at a time that suits you.

accessible health supportYou can access a range of online tools and apps to help manage your health.

easy to useExtensive range of extras providers offering on-the-spot claiming.

save money with our bupa Member exclusivesGreat offers and discounts for things you will be sure to use like gym memberships, movie tickets and more. Visit bupa.com.au/Memberexclusives

travel benefitsWe 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.

create your own

cover

choose one of our packaged

covers

orYour choice starts here

Top page 8

Standard page 8

Budget page 9

Platinum page 12

Gold page 12

Silver page 13

aND

Ultimate page 6

Established page 6

Growing page 7

Budget page 7

Ultimate health coverOur premium option for ultimate peace of mind, with top hospital and extras cover and our dedicated 24/7 advice line.

✓✓✓ Top level of hospital cover

✓✓✓ Top level of extras cover

100% Amount you get back# (limits apply)

extras yearly limits

General Dental Unlimited

Major dental $1,600

Orthodontics $1,000*

Optical $420^

Physio $1,500

Chiro $1,000 t $1,600 l

Natural therapies $1,000

established FamilyWhen there’s no more kids on the way, you’re taken care of with more hospital cover and generous extras.

✓✓ Medium level of hospital cover

✓✓ Medium level of extras cover

60% Minimum amount you get back#


General dental Unlimited

Major dental $1,000

Orthodontics $800*

Optical $290^

Physio $700

Chiro $500 t $1,000 l

Natural therapies $400

Growing FamilyIdeal for couples or families planning kids, with access to a range of hospital and extras designed for your life stage.


✓✓ Medium level of extras cover



General dental $700

Major dental $600

Orthodontics $400*

Optical $260^

Physio $450

Chiro $350 t $500 l


Budget FamilyAffordable cover with a range of extras and hospital cover, including full cardiac.

✓ Basic level of hospital cover

✓ Basic level of extras cover



General dental $700

Major dental $600

Orthodontics $400*

Optical $260^

Physio $450

Chiro $350 t $500 l


BaSIc cover

plus more, see page 10 for the full list

all covers below include these hospital features:

private hospital cover

Medical cover

emergency ambulance

all of these packages have:

° no hospital excess for kids under 25

° gap free physio, dental and optical for kids – see page 14.

t Per person l Per membership

#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. *Lifetime limits apply. ^At Members First Optical providers only. Lower limits apply at other providers.

top

Comprehensive cover, with additional benefits including family in-hospital benefits, benefits towards selected health subscriptions, and Unemployment Cover (subject to eligibility).

✓✓✓ Top level of hospital cover

No excess for kids

Standard

Our medium level of hospital cover includes cover for pregnancy and cardiac services. Minimum benefits apply to some services such as IVF and hip/knee replacements.


No excess for kids

$250EXCESS

NILEXCESS

$500EXCESS

$250EXCESS

$500EXCESS

Budget

Budget Hospital gives you basic cover that’s affordable but still includes many hospital treatments you may need including cardiac.

✓ Basic level of hospital cover

$250EXCESS

$500EXCESS

packages (hospital and extras cover) hospital onlyUltimate

health coverestablished

Family Growing

FamilyBudget Family top Standard Budget

Psychiatric services ¡ ¡

Rehabilitation services Pregnancy (including childbirth) ¡ ¡ ¡

IVF and assisted reproductive services ¡ ¡ ¡ ¡ ¡

Cardiac services Renal dialysis ¡ ¡ ¡ ¡

Cataract and eye lens procedures ¡ ¡ ¡ ¡ ¡

Hip/knee replacement ¡ ¡ ¡ ¡

All other joint replacements Gastric banding and obesity related treatment ¡

Knee Arthroscopy and Meniscectomy Procedures

Appendicitis Removal of Tonsils and Adenoids

Dental Surgery Minor Gynaecological Surgery All other in-patient treatment receiving Medicare Benefits

Emergency ambulance services Cosmetic surgery not clinically required ✗ ✗ ✗ ✗ ✗ ✗ ✗

Health subscription refunds ✗ ✗ ✗ ✗ ✗

Family in-hospital benefit ✗ ✗ ✗ ✗ ✗

Unemployment cover# ✗ ✗ ✗ ✗

excess NIL $250$500

$250$500

$250$500

NIL$250$500

$250$500

$250$500

No excess for kids under 25 ✗want to see the extras cover that comes with your package?

Go to page 14

packages (hospital and extras cover) hospital onlyUltimate

health coverestablished

Family Growing

FamilyBudget Family top Standard Budget

Psychiatric services ¡ ¡

Rehabilitation services Pregnancy (including childbirth) ¡ ¡ ¡

IVF and assisted reproductive services ¡ ¡ ¡ ¡ ¡

Cardiac services Renal dialysis ¡ ¡ ¡ ¡

Cataract and eye lens procedures ¡ ¡ ¡ ¡ ¡

Hip/knee replacement ¡ ¡ ¡ ¡

All other joint replacements Gastric banding and obesity related treatment ¡

Knee Arthroscopy and Meniscectomy Procedures

Appendicitis Removal of Tonsils and Adenoids

Dental Surgery Minor Gynaecological Surgery All other in-patient treatment receiving Medicare Benefits

Emergency ambulance services Cosmetic surgery not clinically required ✗ ✗ ✗ ✗ ✗ ✗ ✗

Health subscription refunds ✗ ✗ ✗ ✗ ✗

Family in-hospital benefit ✗ ✗ ✗ ✗ ✗

Unemployment cover# ✗ ✗ ✗ ✗

excess NIL $250$500

$250$500

$250$500

NIL$250$500

$250$500

$250$500

No excess for kids under 25 ✗

platinum

Get at least 90% back at our Members First providers. Gap free dental and physio for kids.##

✓✓✓ Top extras cover

90% Minimum amount you get back



Major dental $1,200

Orthodontics $900

Optical $380^

Physio $900

Chiro $700 t $1,400 l


Gold


✓✓✓ Top extras cover




Major dental $1,100

Orthodontics $800

Optical $340^

Physio $800

Chiro $600 t $1,200 l



General dental

Natural therapies

Physio ChiroOptical

Silver


✓✓ Medium extras cover




Major dental $1,000

Orthodontics $700

Optical $290^

Physio $700

Chiro $500 t $1,000 l



14

Packages Choose your own extrasUltimate

Health Cover Established

FamilyGrowing Family

Budget Family Platinum Extras Gold Extras Silver Extras

% back at Members First providers

Up to 100% back

At least 60% back

At least 60% back

At least 60% back

At least 90% Back

At least 75% Back

At least 60% Back

ServicesWaiting periods

General dental 2 months Unlimited Unlimited $700 $700 Unlimited Unlimited Unlimited

Gap free general dental for kids##

12 months

Major dental $1,600 $1,000 $600 $600 $1,200 $1,100 $1,000

Orthodontics$1,000 t

Lifetime Limit $3,200

$800 t Lifetime Limit

$2,600


$1,300


$1,300

$900 t Lifetime Limit $2,800



Optical

2 months

$420 Ë$300 º

$290 Ë$200 º

$260 Ë$180 º

$260 Ë$180 º

$380 Ë$280 º

$340 Ë$240 º

$290 Ë$200 º

Physiotherapy $1,500 $700 $450 $450 $900 $800 $700

Gap free physio for kids##

Chiropractic and osteopathy

$1,000 t $1,600 l

$500 t $1,000 l

$350 t $500 l

$350 t $500 l

$700 t $1,400 l

$600 t $1,200 l

$500 t $1,000 l

Natural therapies$1,000 t

Massage sub-limit $250 t $500 l

$400 t Massage sub-limit

$150 t $300 l


$100 t


$100 t

$500 tMassage sub-limit $200 t $400 l



Antenatal and Postnatal $500 ✗ $300 ✗ $450 $400 $350

Living Well 6 months $300 $100 $100 $100 $200 $150 $100

Pharmacy^^

2 months

$1,500 $500 $400 $400 $750 $600 $500

Dietary $1,000 $400 $200 $200 $750 $500 $400

Psychology $1,000 $400 $200 $200 $750 $500 $400

Podiatry (excludes orthotics) $1,000 $400 $200 $200 $750 $500 $400

Speech Therapy $1,000 $400 $200 $200 $750 $500 $400

Eye Therapy $1,000 $400 ✗ ✗ $750 $500 $400

Occupational Therapy $1,000 $400 ✗ ✗ $750 $500 $400

Home Nursing $400 ✗ ✗ ✗ $400 $350 $350

Health aids and appliances+

12 months 85% of cost# Sub-limits apply $800# ✗ $600# $1,200#

Sub-limits apply$1,000#

Sub-limits apply$800#

Sub-limits apply

Travel and accommodation 2 months $200 travel/$300

accommodation$100 travel/$150 accommodation ✗ ✗

$100 travel $150 accommodation

Emergency ambulance services

No waiting periods Two trips per membership per year Two trips per membership per year

t Per person Ë Members First º Non-Members First l Per membership

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.

CHOOSE YOUR EXTRAS COVERThis table shows yearly limits per person.

Packages Choose your own extrasUltimate

health cover established

FamilyGrowing Family

Budget Family platinum extras Gold extras Silver extras

% back at Members First providers

Up to 100% back

At least 60% back

At least 60% back

At least 60% back

At least 90% Back

At least 75% Back

At least 60% Back

ServicesWaiting periods

General dental 2 months Unlimited Unlimited $700 $700 Unlimited Unlimited Unlimited

Gap free general dental for kids##

12 months

Major dental $1,600 $1,000 $600 $600 $1,200 $1,100 $1,000

Orthodontics$1,000 t

Lifetime Limit $3,200


$2,600


$1,300


$1,300




Optical

2 months

$420 Ë$300 º

$290 Ë$200 º

$260 Ë$180 º

$260 Ë$180 º

$380 Ë$280 º

$340 Ë$240 º

$290 Ë$200 º

Physiotherapy $1,500 $700 $450 $450 $900 $800 $700

Gap free physio for kids##

Chiropractic and osteopathy

$1,000 t $1,600 l

$500 t $1,000 l

$350 t $500 l

$350 t $500 l

$700 t $1,400 l

$600 t $1,200 l

$500 t $1,000 l

Natural therapies$1,000 t

Massage sub-limit $250 t $500 l


$150 t $300 l


$100 t


$100 t




Antenatal and Postnatal $500 ✗ $300 ✗ $450 $400 $350

Living Well 6 months $300 $100 $100 $100 $200 $150 $100

Pharmacy^^

2 months

$1,500 $500 $400 $400 $750 $600 $500

Dietary $1,000 $400 $200 $200 $750 $500 $400

Psychology $1,000 $400 $200 $200 $750 $500 $400

Podiatry (excludes orthotics) $1,000 $400 $200 $200 $750 $500 $400

Speech Therapy $1,000 $400 $200 $200 $750 $500 $400

Eye Therapy $1,000 $400 ✗ ✗ $750 $500 $400

Occupational Therapy $1,000 $400 ✗ ✗ $750 $500 $400

Home Nursing $400 ✗ ✗ ✗ $400 $350 $350

Health aids and appliances+ 12 months 85% of cost# Sub-limits apply $$$$# ✗ $$$$# $1,200#

Sub-limits apply$1,000#

Sub-limits apply$800#

Sub-limits apply

Travel and accommodation 2 months $200 travel/$300 accommodation

$100 travel/$150 accommodation ✗ ✗

$100 travel $150 accommodation

Emergency ambulance services

No waiting periods Two trips per membership per year Two trips per membership per year

t Per person Ë Members First º Non-Members First l Per membership

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.

bUpa healTh coVer MaDe eaSyLog in to bupa.com.au/corporate

To log in, your user name is ASIAL and password healthplan

Unsure of any words? Visit: bupa.com.au/glossary

Other important information you should know can be found at: bupa.com.au/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:

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password healthplan

Visit a local Bupa centre

Bupa PO Box 14639 MELBOURNE VIC 8001

Bupa Australia Pty Ltd ABN 81 000 057 590

Effective 1 April 2014 10299-04-14S

The World of BupaHealth CoverHealth Coaching & ProgramsInternational Health CoverCorporate Health SolutionsOptical Products & ServicesDental ServicesAged CareMedical servicesTravel, Home & Car InsuranceLife Insurance

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Documents

ASIAL Health Plan Brochure