Your Choice Extras Members First % Extras Cover

60% Medium
1 September 2018 NSW/ACT

Extras cover
At a glance
An extras cover that gives you the flexibility to choose four services to suit your needs while providing a good level of benefit. You can change your service
options once every 12 months, based on your anniversary year. Benefits listed are examples only and not a complete list.

What's Covered? Extra Details

Year 1 Loyalty Maximums
Extras services The maximum you can claim per year per person (unless Waiting periods
otherwise stated)
General dental $700 Initial waiting period - 2 months
Health management programs - 6 months
Major dental $500
Major dental and orthodontics - 12 months
Orthodontics $450
Optical - Members First providers $260
Optical - other providers $180 Loyalty maximums
Physiotherapy $450 We value your loyalty, so for selected services we will increase the overall
$350 Per Person, $500 Per Membership amount you can claim each year by 20% of the initial amount - until it has
Chiropractic & Osteopathy
doubled after five years.
Ante/post natal Combined With: Physiotherapy, Sublimit: $350 Please refer to selected extras on the corresponding pages. To check your
Natural therapies* $500 loyalty limits and/or maximums please contact us.
Pharmacy~ (incl. travel vaccines) $300
Dietary Not Covered
Mental health Not Covered Natural Therapies*
Podiatry (excludes orthotics) $350 Natural Therapies includes acupuncture, Alexander Technique, Chinese
herbalism, exercise physiology, Feldenkrais, homeopathy, iridology, massage,
Speech Therapy $400
naturopathy and Western herbalism.
Eye therapy Combined With: Speech Therapy Massage includes aromatherapy, Bowen Technique, kinesiology, reflexology,
Occupational therapy Combined With: Speech Therapy shiatsu and remedial massage.
Health management $100
Home nursing Not Covered
Health aids & appliances Not Covered
Travel & accommodation Not Covered

~Benefits for prescription items that are non-PBS, TGA approved, and not appearing on
our exclusions.

Key features
Members First extras network
With our Extras cover you can also enjoy the advantages of our extensive network of dental, optical, physiotherapy, podiatry and chiropractic providers, so there are more places
you can experience great value from your cover.
When you choose to visit a Members First provider, in most instances you will receive higher benefits for dental, optical, physiotherapy and chiropractic services as well as podiatry
consultations ensuring you can maximise value from your Bupa cover.
On Your Choice Extras you will have the certainty of receiving at least 60% back in most instances for dental, physio, chiro and podiatry consultations at Members First providers -
up to your yearly limits for the extras you select.

After Hours Medical Support

As a Bupa member you receive complimentary access to the After Hours Plus program from 13SICK, National Home Doctor Service. This means that when you need urgent
medical care after-hours and book a bulk-billed home visit, should you require commonly prescribed medications, they will be provided on the spot at no cost.

Ambulance
You are automatically covered for emergency ambulance services (including on-the-spot treatment and air services) from recognised providers in addition to your 4 selected
services, capped at one trip for singles and two trips for couples or family memberships per calendar year. For more information please refer to the Important Information Guide.

Bupa Plus
Even when you’re in great health, there are still plenty of ways to get everyday value from your cover. For great value discounts visit: www.bupaplus.com.au

Pay nothing for check-ups

In addition to Members First benefits, pay nothing for your regular dental check-ups and more at Members First Platinum, when you combine Hospital and Extras. Up to yearly
limits.^ Find out more at www.bupa.com.au/members-first-platinum
Find Members First Platinum dentists at www.bupa.com.au/find-a-provider
^ Waiting periods, policy and fund rules apply

Call us first
If you're planning a treatment call us first so we can discuss your options, work out what you're covered for, talk through any out-of-pocket costs and check that you've served any
relevant waiting periods. This can help you avoid any unnecessary out-of-pocket expenses and allow you to make more informed choices and be confident about what to expect
when using your cover.
Further information can be found in our Important Information Guide and our Fund Rules which are available at bupa.com.au/info or by contacting us.

Call: 134 135

Visit: bupa.com.au

Your Choice Extras 20189

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Extras cover
Extras benefits listed are examples only and not a complete list.
Services covered & example items Members First Non Members First Loyalty Maximums per person per calendar year

General Dental
Periodic oral exam (012)# $30.00 $22.00
Year 1: $700, Year 2: $840, Year 3: $980, Year 4:
Scale & clean (114)# $61.80 $44.00 $1120, Year 5: $1260, Year 6+: $1400

Fluoride application (121) # $18.90 $15.50

Tooth extraction (322) $146.40 $62.60 # Payable once every 6 months

Filling/tooth restoration (531) $87.60 $51.00 0

Major Dental Members First Non Members First

Year 1: $0,Year 2: $500, Year 3: $600, Year 4: $700, Year 5:
Root canal (417) $150.00 $125.00
$800, Year 6: $900, Year 7+: $1000
Full crown (615) $960.00 $575.00
Benefits start after 12 month waiting period served
Dentures – complete (719)* 100% of cost to limit $634.00 *Dentures payable once every 3 years
Benefits at registered providers
Year 1: $0,Year 2: $450, Year 3: $540, Year 4: $630,
Orthodontics Year 5: $720, Year 6: $810, Year 7+: $900

Set benefits apply per item, please contact us with your Lifetime Limit: $1,300
treatment plan for more information
Benefits start after 12 month waiting period served

Optical
Our Members First optical providers (Bupa Optical, National Pharmacies Optical, Kevin Paisley Fashion Eyewear, Prevue Eyewear, Stacey and Stacey Optometrists and selected
independent providers) and our optical partners Specsavers offer you a range of 'no gap' packages - with no out-of-pocket costs. Any packages are subject to your Loyalty Maximum
and waiting periods (contact us for more information). Refer to the list below for the no gap packages available to you and where you can access them.

Members First Set Benefits Non Members First Limits

Members First: $260

Frames (110) $136.80 $105.00 Or
Single vision lens (212) $72.00 $45.00 Other optical: $180

Progressive lens (512) $135.00 $95.00

Members First Optical Partners
No-gap optical packages
Kid's glasses with safety lens - any frame up to $249 ✓ ✘
Glasses with single vision lens* ✓ ✓
Glasses with bifocal lens* ✓ ✘
Glasses with trifocal lens* ✘ ✘
Glasses with progressive lens* ✘ ✘
Disposable contacts - selected 12 months' supply purchased in store ✓ ✘
Disposable contacts - selected 12 months' supply purchased on-line ✓ ✘
*Any frame up to $199. Conditions apply, contact us for more information.
Physiotherapy Members First Non Members First
Initial attendance Year 1: $450, Year 2: $540, Year 3: $630, Year 4:
$48.90 $30.00
$720, Year 5: $810, Year 6+: $900
Subsequent attendance $41.70 $24.00
0

Chiropractic & Osteopathy

Chiropractic Members First Initial Year 1: $350, Year 2: $420, Year 3: $490, Year 4:
$51.90 for the first 10 services, then $25.95
$560, Year 5: $630, Year 6+: $700
Chiropractic Members First subsequent Membership Limit: Year 1: $500, Year 2: $600, Year 3:
$36.00 for the first 10 services, then $18.00
$700, Year 4: $800, Year 5: $900, Year 6+: $1000
Chiropractic Non Members First Initial $31.50 for the first 10 services, then $15.75
Chiropractic Non Members First subsequent $21.50 for the first 10 services, then $10.75 0

Osteopathy - Initial $31.50 for the first 10 services, then $15.75 Benefit is reduced to 50% of the original amount for services after the first
Osteopathy - Subsequent 10 total services across Chiropractic and Osteopathy
$21.50 for the first 10 services, then $10.75
Podiatry (excludes orthotics) Members First Non Members First
Year 1: $350, Year 2: $420, Year 3: $490, Year 4:
Initial attendance $42.30 $22.00 $560, Year 5: $630, Year 6+: $700
Subsequent attendance $36.30 $22.00 0

Ante/post natal Benefits at registered providers Combined with: Physiotherapy, sublimit: $350
Selected services including registered lactation consultants Contact us for more details 0
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Extras cover
Services Benefits at registered providers Loyalty Maximums per person per calendar year
covered &
Speech therapy Year 1: $400, Year 2: $480, Year 3: $560, Year 4: $640,
Initial attendance $57.00 Year 5: $720, Year 6+: $800

Subsequent attendance $34.00 0

Eye therapy
Initial attendance $30.00 Combined with: Speech Therapy
Subsequent attendance $25.00 0

Occupational therapy
Initial attendance $34.00 Combined with: Speech Therapy

Subsequent attendance $28.00 0

Natural therapies For a full service list refer to page 1

Acupuncture initial attendance $24.00
Year 1: $500, Year 2: $600, Year 3: $700, Year 4: $800,
Acupuncture subsequent attendance $19.00 Year 5: $900, Year 6+: $1000

Remedial massage initial attendance $24.00 Massage sublimit: $100 per person

Remedial massage standard consultation $17.00 0

Pharmacy (includes travel vaccinations)

Year 1: $300, Year 2: $360, Year 3: $420, Year 4: $480,
100% of cost up to $40.00 after deduction of PBS
Year 5: $540, Year 6+: $600
copayment

Health management
50% of cost to limit $100

Member Exclusives

Health Management Overseas Health Advice Line

This benefit covers some costs for health–related programs, including nicotine replacement therapy and If the unexpected happens while you’re travelling overseas, our 24-hour health advice line can
weight management programs. Visit www.bupa.com.au/healthmanagement for details. provide you with phone-based support, information and guidance. Plus, if you’re planning a trip
overseas, you can get pre-departure medical information on the countries you are visiting. Just
call +61 3 9937 3999 or look for the number on the back of your membership card.