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How to Get the Most from Your Bupa Corporate Choice 70 Extras Policy

Congratulations on choosing private health insurance. Your Bupa Corporate Choice 70 policy is designed to help manage the costs of everyday health services, from dental check-ups to physiotherapy. This guide will walk you through the key features of your policy, explain how to use it effectively, and highlight important details to ensure you maximise your benefits.

Step 1: Understand Your Policy Basics

First, let’s confirm what you have:

• Policy Name: Corporate Choice 70
• Insurer: Bupa HIP Ltd.
• Monthly Premium: $180.35 (for one adult and dependents). Remember, this is before any Australian Government Rebate or insurer discounts. Always check with Bupa to confirm your final premium.
• What’s Covered: This is a General Treatment (Extras) policy. It does not include hospital cover.
• Who’s Covered: One adult plus eligible dependents (children up to age 20, students up to age 31, and qualifying persons with a disability).
• Availability: NSW & ACT.

Step 2: Know Your Key Benefit Structure

Your policy has a unique and flexible benefits system. Understanding this is crucial to planning your care.

1. The Combined Annual Limit ($1,000): This is the most important feature. A single, pooled limit of $1,000 per person, per year covers a wide range of services, including:
   • General & Major Dental
   • Physiotherapy, Chiropractic, Podiatry
   • Psychology, Acupuncture, Remedial Massage
   • And many more (see full list in your PHIS).
   • How to use it: You decide how to spend this $1,000. Need more physio and less dental? Use your funds accordingly. Once the $1,000 is exhausted for the year, no further benefits are payable for these services until your limit renews.
2. Separate Optical Limit ($250): Optical benefits (glasses, contact lenses) have their own dedicated annual limit of $250 per person, which does not draw from your main $1,000 pool.
3. Lifetime Orthodontic Limit ($2,000): Orthodontic treatment (braces) has a separate lifetime limit of $2,000 per person.
4. Benefit Percentage: For most services, Bupa will pay 70% of the cost (up to any relevant sub-limit). You pay the remaining 30% as an out-of-pocket cost.

Step 3: Always Use “Members First” Providers

This is your #1 tip for saving money.

• Bupa has an agreement with a network called Members First (including dentists, physios, chiros, and podiatrists).
• When you use a Members First provider, in most cases, you will have lower out-of-pocket costs. They directly charge Bupa the agreed rate, simplifying claims.
• Action: Before booking any appointment, use the Bupa Find a Provider tool to locate a Members First professional near you.

Step 4: Plan Around Waiting Periods

You cannot claim for every service immediately. Key waiting periods for your policy are:

• 2 Months: General Dental, Optical, Physio, Chiro, Psychology, etc.
• 12 Months: Major Dental (e.g., crowns), Endodontic (root canals), Orthodontic, Hearing Aids.
• 6 Months: Health Management programs.
• 1 Day: Emergency Ambulance cover (included in your policy).

Pro Tip: If you know you’ll need a major dental procedure or orthodontics, plan ahead to serve your 12-month waiting period.

Step 5: Navigate Specific Service Rules & Sub-limits

Check the fine print for specific services to avoid surprises:

• Preventative Dental (Check-up, Scale & Clean, Fluoride): No annual limit, but benefits are only payable once every 6 months.
• Optical: You can claim 100% of the charge for frames and lenses, up to your $250 annual limit.
• Health Management/Gym Memberships: Covered under your combined $1,000 limit. Eligibility criteria apply, so contact Bupa first to confirm.
• Online Doctor Appointments: 100% covered for Bupa Online Doctor appointments, up to 6 per person per year. (Not for services on the Medicare Benefits Schedule).
• Ambulance Cover: You are covered for unlimited emergency ambulance transport in Australia (road or air) when provided by a recognised service (like NSW Ambulance). This is a valuable inclusion.

Step 6: How to Make a Claim

1. On-the-Spot (Simplest): Use your Bupa membership card at a Members First provider. They will usually claim directly for you, and you only pay the gap.
2. Via the Bupa App: Use the Bupa app to submit digital claims quickly by taking a photo of your invoice.
3. Online: Submit a claim through your member account on the Bupa website.
4. In Person: At a Bupa retail centre.

Important Reminders & Disclaimer

• Check Your Eligibility: Always confirm with Bupa or your provider if a specific treatment or health management program is covered before you proceed.
• Policy Changes: This guide is based on your PHIS issued 01 January 2026. Insurers can change policies. For the most current information and to clarify your personal circumstances, always contact Bupa directly.
• No Hospital Cover: This policy does not cover any in-hospital treatments. You would need a separate hospital policy for that.
• Review Annually: Before your policy renews, review your usage. Did you use your full $1,000? Should you adjust your cover? An annual review ensures your insurance still matches your needs.

By understanding these steps—especially the $1,000 combined limit and the importance of Members First providers—you can take control of your extras cover, make informed healthcare decisions, and get the best value from your Bupa Corporate Choice 70 policy.

For full details, always refer to your official policy documents or contact Bupa.
Website: www.bupa.com.au | Policy ID: BUP/I81/NTBN1D

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