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The cost of hospitalisation is the cost of your stay in our clinic. If I am admitted to a clinic with which Bupa has an arrangement, what happens? As soon as you have observed any delays for your products, we will reimburse the cost of the medication you receive as a registered user in privately owned clinics with which Bupa has an arrangement, provided it is covered by your insurance.
Some of these clinics may levy a small amount of a day rate that you have to prepay. You should be informed of this at the time of your reservation. These fees are in conjunction with any additional or co-payments you may have under your medical insurance. All co-payments or deductibles in connection with your insured sum will remain.
All co-payments or deductibles in connection with your insured sum will remain. It is also possible for us to talk about any over- or overpayment that might affect your coverage. To find out if a particular clinic has an arrangement with us, visit the "Finding a Provider" section of this website.
If I am a privately insured person, can I be cared for in a government clinic or a privately insured clinic with which Bupa has no arrangement? When you decide to be hospitalized as a privately insured person in a government clinic or to be hospitalized in a privately insured clinic with which Bupa has no arrangement, you are insured as follows for any Medicare approved care unless it is suspended or limited under your supervision.
Under these conditions, it is likely that you will have to pay for your medical bills. So what happens if I go to a home clinic with no deal with Bupa? When you are accepted to a Medicare approved course of care in these clinics that is covered by your insurance: Do you have limited coverage for your medical bills?
This means that in these clinics you are likely to have high cost prices. What do I have to do to cover these expenses? Several of these clinics bill Bupa directly for the restricted services we use. Read the section on health care expenses to find out how you will be reimbursed for health care expenses, such as specialist charges.
If I decide to be a privately insured person in a government clinic, what happens? When you are accepted to a Medicare approved course of care in these clinics that is covered by your insurance: Normally this covers you for a dormitory, but you can still have an amount to be paid by yourself.
Bupa can charge an extra flat rate in addition to the costs of your accommodation, according to your coverage ratio, when staying in a privately owned room. When this amount is less than what the clinic will charge you, the clinic should tell you what you have to do.
When your professional calculates more than this amount, you have to cover it yourself. You can find out which health care cost (e.g. specialists' fees) we will cover in the section on health care cost. If you are a privately insured person in a government clinic, you are also liable for your own household bills, such as TV rentals and phone bills, as well as for any gaps in your doctor's bill.
Am I going to get a room in privacy? Importantly, it is important to remember that in general, pubic clinics assign home rooms to those who need them most. If you are a privately insured person in a government clinic, you have the right to select your physician if available. Dependent on your disease or your state, this may be the same physician who would have been assigned to you by the clinic as a general outpatient.
In addition, it is beyond Bupa's remit whether a physician is treating in a government clinic or carrying out a particular operation in a government clinic. If I can be medicated, what does that mean for me? If you are in a government clinic, even if you are receiving care as a privately insured person, it is important to realize that you may still be on your list at the government clinic.