When you compare health insurance, do you also compare health funds? If not, your health insurance comparison may not be as thorough as you think. Looking at health funds in more depth can build a better picture of how they can benefit you. Here, we look at Bupa.
Health fund information
Bupa has been around for over 60 years. It has expanded to incorporate HBA, MBF and Mutual Community. One of their stated aims is to help members to live longer and be healthier and happier.
Types of cover
Like most health funds, Bupa offers hospital and extras cover. It also offers corporate and substitutional health cover.
Bupa offers different cover levels to suit a range of needs. Standard Hospital covers most in-patient hospital services. To keep costs down, it is aimed at the young and fit. Their Top Hospital options offer more extensive cover. The Family Essentials option covers the whole family.
Again, there are several cover levels. Bronze Extras is the most basic option. For broader cover and larger annual maximums, there are Silver, Gold and Platinum Extras options. Your Choice Extras option allows members more choice. Members can choose four extras that are most relevant.With Members First providers, members can claim back over 60% of the costs.
Hospital and extras cover
Like most health funds, Bupa offers combined packages to suit a range of needs. This includes Active Saver, Budget Family and Young Couples Saver packages, for example.
Bupa works with employers for corporate health cover. These packages can be tailored to the health needs of employees. Employers can incorporate Bupa health cover into employee benefits, for example.
What if you need medical care but don’t need or want to be admitted to hospital? Bupa has agreements with private hospitals and nursing providers for at-home hospital care.
Bupa tries to encourage its members to be as healthy as possible, offering support beyond health insurance. They offer a number of health and wellness programs and other forms of support for wellbeing.
Member Support programs include the Parent and Baby Wellbeing Program and the Genesis Heart Care program. The latter includes no out-of-pocket costs for inpatient cardiology services.
There are self-management programs for chronic and long-term conditions. This includes support for things like back pain, arthritis, asthma, diabetes, depression and osteoporosis.
The Living Well programs cover support from approved providers. This includes gym membership, yoga and Pilates courses, first aid courses, nicotine replacement therapy and weight management programs. In some cases, you may need to get written proof from your doctor or provider that support is needed for your health.
Free health checks are offered at selected Bupa centres. These assess blood pressure, blood glucose, cholesterol, hip to waist ratio and risk of type II diabetes.
The MyBupa member web pages offers other resources to further support members. This includes online health assessments, tools, advice and free mobile apps.
Bupa owns BLINK Optical, which allows them to offer no gap optical services. They also offer member discounts on fitness, travel, entertainment and lifestyle products.
There are Bupa centres in every state.
Don’t forget to compare health funds when you next compare health insurance. You may find that they offer support that is of great benefit to you, which you would otherwise not be aware of.