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International Coverage

In-Patient Benefits

• Coverage Limit: $1,000,000
• Hospital Accommodation: Private room
• Intensive Care: Full coverage
• Prescription Drugs and Materials: Full coverage
• Surgical Fees (including anaesthesia and charges): Full coverage
• Physician and Therapist Fees: Full coverage
• Surgical Appliances and Materials: Full coverage
• Diagnostic Tests: Full coverage
• Organ Transplant: Full coverage
• Psychiatry and Psychotherapy: Full coverage
• Parent Accommodation (for children under 18): Full coverage
• Emergency In-Patient Dental Treatment: Full coverage
• Day-Care Treatment: Full coverage
• Kidney Dialysis: Full coverage
• Out-Patient Surgery: Full coverage
• Nursing at Home or Convalescent Home: Up to $3,375
• Rehabilitation Treatment: Up to $3,375
• Local Ambulance: Full coverage
• Emergency Treatment Outside Area of Cover: Up to $50,000
• Medical Evacuation: Full coverage
• Expenses for Accompanying Evacuation: Up to $2,700
• Travel Costs for Family Members (Evacuation): Up to $2,700
• Repatriation of Mortal Remains: Up to $13,500
• Travel Costs for Family (Repatriation): Up to $4,050
• CT and MRI Scans: Full coverage
• PET and CT-PET Scans: Full coverage
• Oncology: Full coverage
• Purchase of Wig/Prosthetic Bra: Up to $270
• Routine Maternity: Up to $6,000
• Complications of Pregnancy/Childbirth: Up to $13,500
• In-Patient Cash Benefit: $205 per night (max 25 nights)
• Emergency Out-Patient Treatment: Full coverage
• Palliative Care: Full coverage
• Long Term Care: Full coverage (max 90 days)
• HIV/AIDS Treatment: Full coverage
• Treatment for Alcohol and Drug Addiction: Up to $15,000
• Gender Dysphoria Services: Up to $50,000 per lifetime

Out-Patient Benefits

• Coverage Limit: $5,060
• Maximum Plan Benefit: $5,060
• Deductible: None
• Medical Practitioner Fees: Up to $1,350
• Prescription Drugs: Full coverage
• Diagnostic Tests: Full coverage
• Video Consultation Services: Full coverage
• Specialist Fees: Full coverage
• Chiropractic, Osteopathy, Homoeopathy, Acupuncture, Podiatry: Full coverage
• Prescribed Physiotherapy: Up to $600
• Non-Prescribed Physiotherapy: Up to 10 visits
• Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
• Vaccinations: Up to $500
• Health and Wellbeing Checks: See details below
• Infertility Treatment: Up to $16,000
• Psychiatry and Psychotherapy: Max 10 visits
• Prescribed Medical Aids: Up to $675
• Prescribed Glasses and Contact Lenses: Up to $250
• Hormone Replacement Therapy: Full coverage
• Cancer Screening: covers
• Annual pap smear
• Mammogram (every two years for women aged 45+, or younger where a family history exists)
• Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
• Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
• Annual faecal occult blood test
• BRCA1 and BRCA2 genetic test (where a direct family history exists)
• Includes screenings for early detection of illness or disease:
• Physical examination
• Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
• Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
• Neurological examination (physical examination)
• Bone densitometry (every five years for women aged 50+)
• Well child test (for children up to the age of six years)

The Premium tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

Dental Benefits

• Coverage Limit: $1,000
• Preventative Dental Treatment: 100% refund
• Routine Dental Treatment: Full coverage
• Major Restorative Dental Treatment: Full coverage
• Periodontics: Full coverage

Vision Benefits

• Prescribed Glasses and Contact Lenses: Up to $250, including eye examination

Co-pay and Deductible

• Co-pay: None
• Deductible: None

Family Coverage

You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

Local Coverage

The BUPA local health coverage is designed to remove or reduce the costs required for treatment in hospitals.

Hospital Cover

• Rehabilitation, psychiatric services, and palliative care

• Brain, nervous system, and blood treatments

• Cancer treatments (chemotherapy, radiotherapy, immunotherapy)

• Eye (excluding cataracts), ear, nose, and throat

• Bone, joint, and muscle procedures, including joint replacements and reconstructions

• Kidney, bladder, and chronic kidney failure dialysis

• Digestive system, hernia, appendix, and gastrointestinal endoscopy

• Weight loss surgery, heart, and vascular system treatments

• Lung and chest, gynaecology, miscarriage, and pregnancy care

• Diabetes management (excluding insulin pumps), pain management

• Medically necessary breast surgery, plastic and reconstructive surgery

• Skin, dental surgery, sleep studies, podiatric surgery

Medical Cover

• Inpatient medical costs, diagnostic tests (x-ray, pathology)

• GP and specialist consultations, allied health services

• Selected pharmacy items

Emergency Services

• Uncapped emergency ambulance services

• Limited non-emergency ambulance services

• Emergency department fees if admitted