Bupa’s discussion paper, Building a More Accessible, Modern and Sustainable Health System, sets out a vision for a health system better equipped to address the chronic disease burden affecting 15.4 million Australians, with Australians spending almost 11 years of their lives in ill health, much of it linked to preventable or manageable conditions.

Developed in part with economics, strategy and policy consulting firm, Mandala Partners, and launched today at Parliament House in Canberra, the paper focuses on ways to expand access to preventive and primary care, accelerate adoption of innovative models of care, improve access and affordability in specialist services, and strengthen the long-term sustainability and viability of Australia's health system.

Bupa APAC CEO Nick Stone said: “We have one of the best health systems in the world, but it was designed for a different Australia and a different era of care. The next generation of healthcare will require bold, practical reform.

“Prevention should be at the centre of Australia's next phase of health reform,” Mr Stone said.

“An ageing population, rising chronic disease, workforce shortages, growing out-of-pocket costs and increasing financial pressure on governments and households are already affecting how Australians access care. Customer expectations have also changed dramatically.

“Too often, the system is organised around health episodes, institutions and locations rather than the journeys, continuity of care and outcomes that people face.

“Our ambition is simple: to help Australians live longer, healthier and happier lives. To achieve that, healthcare must become more connected, preventative, convenient and centred around patients. That’s why we want to work with government and key sector leaders to ensure Australia’s health system remains sustainable, accessible and fit for the future.”

Key recommendations in the report include:

• Establish a National Prevention Partnership Framework to help governments, providers and insurers invest in prevention, improve health outcomes and reduce pressure on hospitals.

• Enable private health insurers to fund prevention and early intervention including health checks, screening, coaching and care coordination before conditions become serious.

• Give insurers greater flexibility to fund mental health care outside hospitals, potentially avoiding 41,000 admissions and saving $140 million a year.

• Expand Hospital in the Home so more Australians can receive hospital-level treatment including IV antibiotics, wound care and post-operative recovery safely at home.

• Continue moving Medicare towards blended funding that rewards prevention, chronic disease management and coordinated care involving nurses, pharmacists and allied health professionals.

• Fast-track workforce reforms, including streamlined pathways for overseas-trained doctors, a national specialist workforce plan and expanded specialist training.

The paper reinforces healthcare workforce shortages are becoming one of the biggest threats to access and affordability, with Australia facing a projected shortfall of more than 8,600 GPs and 12,800 specialists by 2048, while four in ten GPs are already aged 55 and above.

Bupa is calling for urgent reforms focusing on prevention, early intervention and chronic disease management, as current funding and regulations remain largely focused on treating illness after it becomes more serious.

The paper notes Australia recorded almost 788,000 preventable hospitalisations at a cost of $7.7 billion in 2023-24, highlighting the growing cost of treating illness after it develops.

“Preventive health represents one of the greatest opportunities to improve health outcomes, reduce long-term costs and ensure the sustainability of the health system. Improving health outcomes through better management of chronic disease and reduced hospitalisations is key and reorienting our healthcare system towards prevention… is a large part of the solution to tackling chronic disease,” the paper states.

Evidence in the paper shows prevention initiatives generate a median return of $14.30 for every dollar invested, making prevention one of the most effective investments available to the health system.

The discussion paper highlights current funding has not kept pace with contemporary healthcare needs, with lower returns for longer consultations, where patient needs are complex or chronic conditions are involved and favouring consultations and interventions after illness develops rather than preventive care and ongoing management.

“While Medicare's fee-for-service design funds individual episodes of care, it is poorly suited to prevention and coordination. As demand for health services continues to increase, investment alone will not be enough. We must look at preventative health models to help slow this rise,” the paper says.

“GPs frequently need specialist input on a discrete question, but the MBS provides no dedicated mechanism for brief specialist advice outside a formal consultation, and case-conferencing items are ill-suited to routine secondary consultation.”

More than 300,000 mental health-related presentations to public emergency departments in 2024-25 highlight the need for earlier intervention, with the paper calling for greater flexibility to fund evidence-based mental health care in community and digital settings before people reach crisis point.

“Mental health is one of the most substantial and persistent pressures on Australia's health system, workforce and economy. Rebalancing towards prevention and out-of-hospital care would improve system efficiency and increase the return on existing investment,” the report says.

Mr Stone said achieving meaningful and lasting change will require shared responsibility and genuine collaboration between governments, clinicians, insurers, providers, consumers and the broader health sector.

“We welcome the important steps the Government has already taken to lay the foundations for reform in several of these key areas. Our recommendations are intended to complement those efforts and support a health system that is more connected, prevention-focused and centred on the needs of patients,” he said.

To read the full Building a More Accessible, Modern and Sustainable Health System discussion paper, click here.

Since launching nationally in 2020, the program has supported 3387 clients, of those one in five have been Bupa customers, to safely withdraw from alcohol and begin structured recovery support at home. Thousands of clients are currently engaged in active treatment, reflecting growing demand for accessible, telehealth-delivered care.

Of those who have gone through the program, more than 60% are female and 39% are male. Those aged between 35 and 54 make up the majority needing help (almost 55%) followed by 55+ (almost 27%).

The program includes daily telehealth calls with a specialist nurse during the detox period, 12 months of follow-up support, access to a personalised recovery plan and peer support group, and regular communication with the client’s GP to ensure continuity of care.

Traditionally, people seeking help for alcohol dependence are required to be admitted to a hospital or inpatient facility for several days or weeks.

It comes as new data in the annual Bupa Pulse Check also reveals Aussies are cutting back on alcohol with 45% reducing alcohol consumption and 16% saying they would like to cut back on drinking alcohol, indicating a positive trend towards healthier habits.

Bupa Health Insurance Managing Director Kate Williams said the collaboration showed how healthcare could be delivered beyond traditional settings and help improve access to vital support.

“Through our partnership with Clean Slate Clinic, we are helping make treatment easier to access at home, with support from clinical care and telehealth. It is about removing barriers and making sure people can get the right care, in the right place, at the right time.”

Clean Slate Clinic’s Chief Medical Officer Dr Chris Davis said: “We’re seeing a clear cultural shift. More Australians are reflecting on their relationship with alcohol and actively looking to cut back. The challenge is ensuring that when someone decides they’re ready for support - safe and clinically appropriate care is accessible without delay.

“Our partnership with Bupa plays an important role in reducing these financial and structural barriers, helping more Australians to access medically supervised treatment at home.”

Before starting the program, participants undergo a telehealth assessment with a Clean Slate Clinic nurse to ensure clinical suitability. With the client’s consent, Clean Slate Clinic will also liaise with their regular GP to coordinate ongoing support.

The 12-month program includes psychological and physical preparation for detox success, prescribed medications and vitamins (if needed) to manage withdrawal, a personalised post-detox recovery plan with relapse prevention strategies, scheduled follow-up calls with their dedicated nurse for ongoing guidance.

I'd like to start with a story about a customer named Rhys.

For fifteen years, Rhys lived with chronic back pain.

Like many Australians, Rhys did everything he was supposed to do. He sought advice, tried treatments and followed recommendations. Yet despite years of effort, the pain remained.

Eventually, he found himself asking the same question many Australians ask when navigating our health system: 'What am I supposed to do next?'

Then one day, while carrying his infant daughter, Rhys collapsed. Fortunately, she wasn't hurt.

But the moment mattered. Because it wasn’t just about the pain – it was about what the pain had taken. His sense of control. His ability to be present as a father, without fear.

Rhys needed confidence that there was a clear path forward.

We often talk about access to healthcare, and it matters enormously. But one of the biggest challenges facing Australians is confidence - knowing where to go, what to do next and that somebody is helping guide them.

Australia has one of the best healthcare systems in the world. But for many people, the experience of navigating it can still feel confusing and uncertain. You receive a diagnosis, a referral or a set of test results and suddenly you're faced with a series of decisions. What happens next? How urgently do I need to act? What will it cost? And what are my options?

Too often we ask people at their most vulnerable to coordinate their own care. And that uncertainty has consequences. People delay seeking help. They disengage.

That is why the opportunity in front of us is not just improving access. It is improving confidence.

In many ways, navigating healthcare today can feel like trying to find your way through a new city using an old street directory. You can eventually get where you need to go, but it is slow, stressful and there is always a lingering uncertainty about whether you're heading in the right direction.

Most of us wouldn't travel that way today. We use GPS. Not because it drives the car, but because it helps us understand our options, adjust when circumstances change and move forward with confidence.

That future rests on three things: connection, collaboration and care.

Those same principles shape how we think about Blua – our digital health experience designed to make it simple to access care, understand your options and take the next step.

• Blua connects people to the information and healthcare services available to them, whether face-to-face or virtual.
• Through strong collaboration with providers and industry partners, we’re making it easier to see what care is available and how to access it.
• And at every step, care remains central; helping people feel supported, informed and confident in their health decisions.

While still evolving, Blua is how Bupa is making it easier for customers to see and access the care available to them – bringing together a range of Bupa services and partner programs into one place, while better connecting people to the broader health system.

Today, that includes helping customers find relevant information, connect with healthcare providers, book virtual GP consultations and access support programs, while also making it easier to identify providers in Bupa’s Members First network to help reduce out-of-pocket costs.

Over time, Blua will become an even more personalised health companion helping people navigate increasingly complex health journeys with greater confidence while keeping them firmly in control of the decisions and choices that matter. Importantly, Blua is available to both Bupa customers and the broader Australian community, making trusted health support more accessible to everyone.

And, Blua is not about directing people into Bupa services.

For us, the future is about helping people navigate their individual healthcare journey with confidence to quickly access the right care and information available to them across the broader health system. Because trust in the system comes from understanding your options and knowing what to do next. 

And this brings me back to Rhys.

What changed for him wasn’t a single appointment or intervention, it was finally having his care connected.

Through Blua, Rhys was connected with MoreGoodDays, an evidence-based program combining physiotherapy, psychology and digital support – with more than 80 per cent of participants reporting significant improvements in back pain.^[1]

What struck me most about Rhys’ story wasn't that he hadn’t tried physiotherapy or digital tools before. It was that, for the first time, those elements were brought together into a coordinated, multidisciplinary approach to his care.

That’s what connected care looks like in practice. The physiotherapist, the psychologist and the digital support all worked together to provide continuity and guidance. Rhys had a pathway – and the confidence to follow it.

Last year more than 367,000 of our customers used a Blua service, and 230,000 people accessed online GP services through Blua Virtual Consults. Almost 70% of these appointments were resolved in the first consultation, with millions saved in out-of-pocket costs for customers.

Now, to be clear – nothing replaces the role of the ‘family medical home’: a patient’s regular GP as their trusted coordinator of care.

We also recognise that GPs are under increasing pressure, and access and affordability remain real challenges for many Australians.

What we’re seeing through Blua is the complementary role that virtual care can play – helping customers access timely support, particularly where traditional access points are constrained. More than 60% of Blua Virtual Consults are now taking place outside of business hours, demonstrating how these services can extend access when people need it most.

But it goes far beyond that. Blua is also starting to put more control in people’s hands – making it easier to take a more proactive role in their health, whether that’s initiating preventative checks, accessing support earlier, or building healthier habits over time.

This expanded choice is helping meet growing consumer expectations, while supporting better use of the health system overall.

The impact is threefold: improving patient experiences, supporting clinicians, and helping people connect to the care setting that best meets their needs – whether that’s a GP, a specialist, a hospital, a virtual appointment, or care at home.

What gives me confidence is what we're already seeing. More Australians are using services like Blua to access support earlier, navigate complexity and make more informed decisions about their health.

None of this can happen without collaboration.

No single organisation can solve the challenges facing healthcare alone. Not hospitals. Not clinicians. Not insurers. Not governments. Not technology companies.

Customers expect all of us to work together around them.

The challenge is that while customer expectations are changing, many parts of our health system are still designed around a different era of healthcare - built around episodes, institutions and locations, rather than journeys, continuity and outcomes.

In its early stages, Blua is showing us that better healthcare happens across a connected journey. It happens across primary care, specialist care, mental health support, hospital care, rehabilitation and recovery. It happens at home, in communities and through digital channels.

What I’ve seen consistently while working within the healthcare sector is that the best outcomes occur when organisations stop thinking about ownership of the patient journey and start thinking about stewardship of the patient experience.

This is how we build trust in the care the system provides.

Trust is becoming one of the most important currencies in healthcare – and it’s under pressure.

Australians paid more than $1.3 billion in out-of-pocket medical costs in 2024. Affordability is no longer just a financial issue; it is increasingly an access issue and a health outcome issue^[2].

Behind every one of those statistics is a person – a parent, a partner, a son or daughter. Perhaps someone we know, perhaps someone sitting around our own kitchen table.

Their decision could be about delaying treatment, it could be anxiety about paying a bill, they could be questioning whether they can afford to continue or simply trying to navigate the system while already dealing with the emotional burden of being unwell.

The stakes are high. If we fail to make healthcare easier to navigate, confidence will continue to decline. People will delay care. Conditions will become more complex. Costs will continue to rise. And trust in the system will come under increasing pressure.

This matters a lot to us and it’s why we believe we have responsibility not only to support our customers, but to help shape the future of a more connected healthcare system.

Yet our policy and funding settings do not always make it easy to deliver the kinds of experiences at scale that I’ve been talking about.

If private health is to remain trusted and relevant over the next decade, it cannot remain simply a financing mechanism. It must become better co-ordinated, more preventative and more customer led. If it does not evolve, participation, relevance and trust in the category will all come under growing pressure.

That means helping people stay healthier for longer, not simply paying claims after they become unwell.

It’s why we are advocating for a new phase of private health insurance reform.

Not reform for its own sake, but reform that helps create the system we see is essential for the future. One that is a stronger and more sustainable health system. We believe in reform that lifts participation, improves productivity and strengthens partnerships across the sector.

Because if we want more than 45% of Australians^[3] to continue choosing private health insurance, we need to ensure it delivers value, trust and experiences that feel relevant to the way people live, enhancing support for younger Australians and people of working age. Participation delivers measurable affordability – a 3-5% lift in participation equates to around 380,000 to 640,000 more Australians insured, spreading the cost and slowing premium growth^[4].

So, if we want the system to remain sustainable, we need to create greater flexibility for new models of care that improve outcomes. And we need to reduce unnecessary pressure on hospitals – to improve productivity. Without flexibility, and a modern way forward, the system will remain under stress despite better alternatives existing.

One of the clearest examples is Hospital in the Home.

It represents a different philosophy of care, one that starts with a simple question: what is best for the patient? Not, where has care traditionally been delivered? Supported by clinicians, enabled by technology and focused on outcomes rather than location.

Evidence shows that clinically appropriate care delivered at home can support faster recovery, improve productivity and achieve outcomes that are as good as, or better than, equivalent inpatient care. It can also reduce the cost of delivering care by between 18 and 45 per cent compared with equivalent inpatient treatment^[5].

Customers want this. Providers are demonstrating it can work. The challenge now is making it easier to scale.

The same principle sits behind programs like MoreGoodDays. Why wait until someone reaches surgery if earlier intervention may achieve a better health outcome? Why wait until somebody reaches crisis if multidisciplinary support can help sooner? Why organise care around settings when we can organise it around people?

These are questions about customer experience. They are questions about sustainability. They are questions about outcomes.

What gives me hope is that we do not need to invent the future. Many of these models already exist. Our challenge now is to create the policy settings that allow these models to scale. And that will require collaboration and partnership between providers, insurers, governments and everyone in this room.

Ultimately, this speech is not about technology. It is not about apps. And it is not even about health insurance.

It is about giving customers the confidence to take the first step. Confidence to know where to turn. And the reassurance that someone is helping connect the pieces. It is about the role all players in the system have to work together to be the stewards of the patient experience.

Rhys did not need somebody to make decisions for him. He needed to understand the options and pathways and the confidence to follow it.

Not more complexity. Not more fragmentation.

Because when people have certainty, they act earlier, outcomes improve and trust grows.

That is the opportunity in front of us. And that is why Bupa is committed to being more than a payer. We want to be a healthcare partner helping Australians navigate their health journey with greater confidence, helping co-ordinate care across the system and working alongside providers, governments and communities to build a stronger, more sustainable healthcare system for the future.

If we can achieve that together, we will do more than improve the experience of healthcare.

We will improve the health of Australians.

Thank you.

^{[1] MoreGoodDays® at home back pain program | Bupa
[2] Australian Prudential Regulation Authority (APRA) 2025, Quarterly private health insurance membership and benefits summary – December 2024, APRA, Sydney
[3] Australian Prudential Regulation Authority (APRA), Quarterly Private Health Insurance Membership and Benefits Summary – March 2026
[4] Australian Prudential Regulation Authority (APRA), Quarterly private health insurance membership and benefits summary – March 2026
[5] 20230523_PHA-Report_Reforming-out-of-hospital-care.pdf}

This acquisition will add Partnered Health’s national network of general practices, skin cancer, allied health and mental health clinics, alongside its corporate health and wellbeing services, to Bupa’s growing health services footprint across Australia.

Subject to regulatory approval, the acquisition will include 68 primary care clinics and three urgent care clinics, in addition to corporate health and wellbeing services delivered through the Jobfit, Baseline Onsite, New View Psychology, NewPsych Psychology, and Australian EAP brands.

Bupa APAC CEO, Nick Stone, said acquiring Partnered Health’s established health network is a natural next step for Bupa as it continues to expand its health provision network and grow its multidisciplinary health offerings.

“As a diversified health care provider, we’re focused on what we can do to better meet the health and wellbeing needs of Australians, as well as help support the careers of the GPs and clinicians that deliver that care,” Mr Stone said.

“We’ve been steadily growing our national network of medical centres, urgent care and mental health clinics to help provide easier access to essential, primary health care services for all Australians.

“At the same time, we’ve been investing in the delivery of health and wellbeing services to our corporate and government customers, offering deep experience and preventative health solutions that reduce risks and drive better health outcomes in the workplace.

“Bringing Partnered Health’s services into the Bupa network is an exciting opportunity to grow a well-established primary care and corporate wellbeing network that is backed by a strong team dedicated to supporting the health of their local communities.”

Bupa currently operates 32 Bupa Medical and 13 Mindplace clinics, alongside its dental, optical and hearing services across Australia. Bupa’s network, alongside Blua, our digital health platform, will enable us to expand access to everyday care and the data shows Australians are using it. Last year, 367,000 customers used a Blua service, with usage growing strongly year on year.

“Our ambition is to improve patient care through prevention and more personalised pathways, while preserving consumer choice and clinical independence. We know when people get care earlier, health outcomes improve and costs fall. That’s good for patients and Australia’s healthcare system,” Mr Stone said.

“Our Bupa clinics are open to everyone, not just Bupa members. We continue to support full clinical autonomy for doctors and respect the critical role they play in helping to achieve better health outcomes for patients.”

Partnered Health Managing Director and CEO Dr Malcolm Parmenter said today’s announcement was an important milestone in the evolution of the Partnered Health business.

“This is an exciting opportunity for Partnered Health to continue to deliver high quality healthcare outcomes for our patients and customers. The combination with Bupa will enable us to continue to support our clinicians and our people while growing our clinic footprint and expanding our service offering,” Dr Parmenter said.

“Importantly for all of us, Bupa is committed to that same clinical autonomy that our clinicians have always enjoyed at Partnered Health.”

The acquisition is subject to ACCC and Foreign Investment Review Board (FIRB) approval, and other customary conditions.

This hospital partnership supports innovative models of care including shorter length of stay where clinically appropriate supported by hospital in the home and investment in technology.

The partnership reflected a shared commitment to balance access to high-quality care with the rising cost pressures facing Australia’s health system.

Cabrini Health Chief Executive Sue Williams said: "Partnerships like this are essential to ensuring the community has access to the healthcare services they need.

"Bupa’s leadership in advocating for innovative models of care such as Hospital in the Home services, aligns closely with our own vision. We look forward to continuing our partnership with Bupa and working alongside our medical staff to deliver world-class care for Victorian patients," she said.

Bupa Health Insurance Managing Director Kate Williams said the ongoing partnership put patients first and ensured they have choice in their healthcare.

“We know cost of living pressures are front of mind for Australians, which makes it more important than ever for health insurers and hospitals to work together to keep healthcare affordable,” Ms Williams said.

“Together, we’re supporting modern models of care and investing in technology that improves patient outcomes, while improving access, reducing out-of-pocket costs and strengthening the sustainability of the private health system.

“We’re proud to continue offering certainty for our joint customers and patients while supporting the delivery of high-quality care.”

“At the same time, cybercrime and scams continue to increase, leaving many Australians financially exposed.

“This is a cover that protects your phone and your digital life together, giving people real peace of mind when things go wrong.

“At Bupa, we’re focused on putting customers first, and as more Australians use their phones to manage their health, we’re adapting our products to better support and protect them."

Ms Young said while the new insurance product could help customers get back online faster, Australians should still take steps to safeguard their digital identity. 

“Your digital ID is just as valuable as your wallet, so simple steps like using strong passwords, staying alert to scams and taking basic precautions can help protect yourself,” she said. 

“When it comes to your phone, simple steps like using a quality protective case and a screen protector can go a long way in preventing costly damage.” 

Unlike most phone insurance currently available in Australia, Bupa’s cover is not tied to buying a new phone, does not lock customers into long contracts and can cover both new and existing phones, including accidental damage away from the home. 

Customers can insure a single phone with cyber cover for $19.99 per month, or cover up to four phones under one household policy for $49.99 per month. Policies include protection against online fraud, with financial reimbursement for stolen funds and out of pocket expenses, alongside online preventative cyber care support services. 

TOP MOBILE PHONE CLAIMS

1. Back glass damage
2. Display bleed / panel damage
3. Touch / screen unresponsive
4. Front screen crack
5. Device no power
6. Device bent / structural damage
7. Camera damage (crack, chip, fault)
8. Charging / USB port failure
9. Water damage

Bupa APAC CEO, Nick Stone said investing in prevention, early intervention and community-based care is key to building a health system that is more accessible, affordable and sustainable. 

“We’re at an inflection point in healthcare which means it’s time to build on this momentum through further customer-centred reform to deliver a genuinely sustainable and affordable health system for all Australians,” Mr Stone said. 

“Making Medicare Urgent Care Clinics a permanent part of our system, alongside additional investment in aged care, are all important steps in the right direction. The investments in public and primary care, dental care, and mental health will help protect and safeguard our health system so that it can better support the growing health and wellbeing needs of Australians.  

“But, to future proof our world-class health system for generations to come, we need to recognise that we have to invest in both the public and private systems so they can work seamlessly together.” 

Mr Stone said Bupa looked forward to more detail on the consultations proposed by the Government for further reforms to improve the private healthcare system. We want to work with the Government to invest in and improve the private health system to ensure it is modern, relevant, and sustainable for all Australians, for now, and into the future. 

Removing PHI rebates for Australians aged 65 and above 
 

As a business that provides care to older Australians, we share Private Healthcare Australia’s concerns that removing rebates for Australians aged 65 and above may have unintended consequences for participation and the overall sustainability of the system, particularly as our public system remains under pressure. 

Reform should focus on strengthening the sustainability of private health insurance by improving affordability and accessibility for all Australians, regardless of age. 

Supporting access to care through Urgent Care Clinics 
 

Bupa welcomed the Government’s commitment to invest $1.8 billion over five years to help make Medicare Urgent Care Clinics a permanent part of Australia’s health system. Medicare Urgent Care Clinics are an important part of the broader healthcare system, helping to triage and treat non-emergency conditions outside hospital emergency departments, improving patient flow and allowing hospitals to focus on more acute and complex care. 

Mr Stone said: “Medicare Urgent Care Clinics play a critical role in ensuring people can access the care they need, when they need it, and in the right setting.  

“As an operator of a growing number of Medicare Urgent Care Clinics around Australia, Bupa is proud to partner with Government to support communities around Australia to ensure people can get the right care at the right time, while relieving pressure on local hospital emergency departments.”   

Building capacity in aged care 
 

Mr Stone said the Government’s continued focus on strengthening the aged care sector, which includes greater flexibility in how room prices are set and a $606.5 million investment to deliver more residential aged care beds, was an important step towards meeting the growing demand of an ageing population but more needed to be done.  

“As one of Australia’s largest aged care providers, we know we need to support the sustainable growth of residential care capacity as without this, older Australians, especially those in regional Australia, will not be able to access care when and where they need it most,” he said. 

“We look forward to working closely with Government and industry partners to help deliver the services and support required to allow the sustainable growth of the sector.” 

Continuing to support veterans and their families 
 

The additional $583.4 million to implement recommendations from the Royal Commission into Defence and Veteran Suicide, along with $169.7 million for allied health services for veterans, is a positive step towards improving access to support services for veterans. 

Reviewing specialist fees 
 

We welcome the Federal Government’s review of specialist fees which will enhance transparency for patients, supporting improved financial literacy, and promoting greater choice, access and affordability in healthcare. We look forward to ongoing collaboration with the medical community to ensure these goals are achieved in a balanced and effective manner. 

Hospital in the home allows people who need acute care to be treated at home or in another non-hospital setting, rather than staying in hospital. These services are already well established in many countries and clinically proven, but access remains limited within Australia.

One of the biggest barriers to expanding hospital in the home is the current Medicare telehealth settings which prevent doctors from claiming Medicare for virtual consultations for patients receiving hospital-level care at home. This discourages referrals and reduces access to these programs even though virtual check-ins are now common and used by clinicians.

Data from Australian hospital in the home programs has demonstrated that it can be a safer, more appealing option than staying in hospital, with fewer deaths, fewer returns to hospital and patients saying they would choose to be treated at home again.

Catholic Health Australia and Bupa are recommending the adoption of five-point reform plan to make hospital in the home accessible for more Australians, including: 

• Creating new Medicare telehealth items that allow specialists to support admitted hospital in the home patients while remaining responsible for their ongoing hospital care.
• Prioritising services such as intravenous antibiotics, infection treatment, complex wound care and hospital-level palliative care, which are already operating successfully across Australia and are well suited to home-based care.
• Ensuring Hospital in the home care is held to the same safety and quality standards as care delivered in a hospital, including national accreditation and reporting against recognised quality measures. Services should already meet these standards or be able to do so within 12 months, supported by hospital in the home specific guidance and audit tools to clearly demonstrate compliance.
• Clear minimum service expectations are needed to ensure patients receive hospital quality care at home, including daily nursing, regular medical review, 24-hour escalation support and access to hospital level treatments when clinically required, including for palliative and end-of-life care.
• Hospital in the home funding, including a default benefit, should cover the real costs of delivering safe care at home, including nursing, medical reviews, afterhours support, travel and consumables, with extra support for culturally appropriate care while major infrastructure costs remain funded through existing systems.

Catholic Health Australia Director of Health Policy Dr Katharine Bassett said: “We know our patients want more hospital in the home care. It allows them to stay in the comfort of their own homes and delivers better outcomes, while also taking pressure off the strained hospital system, which is vital as our population ages.

“Unfortunately, Australia is lagging well behind comparable nations such as the UK and Canada when it comes to offering care at home. The good news is the solutions are clear - the government must fix funding arrangements to allow hospital in the home care to thrive."  

Bupa Health Insurance Managing Director Kate Williams said with clinical approval and guidance, more Australians could safely receive hospital care in their own homes.

“It’s time to move forward and properly fund hospital in the home services which we know improve patient choice, deliver care that Australians increasingly want and expect, and importantly ease pressure on hospitals,” she said.

“These services are already delivering safe, high-quality outcomes and they should be supported with a clear framework to grow. Strong clinical oversight should remain central to any expansion to give patients real choice without compromising safety or quality.”

To read more about our recommendations and our position paper, click here. 

The 2026 Bupa Pulse Check confirms social media is the go-to for parents, who are more likely than non-parents to trust, act on, and even spend money based on health content they view online which can lead to adverse health outcomes with no clinical oversight. The data shows Aussies are not just scrolling past online health advice, they are acting on it including three in 10 having purchased a health product influenced by online content, highlighting the growing role platforms like TikTok, Instagram, and tools such as AI play in everyday health decisions. 

The research also revealed almost four in 10 are believing bite-sized health content online helps them make healthier choices while more than a third of people have changed a health habit as a result of social media content with many global influencers having millions of followers. 

The national survey of 2000 Australians, conducted by Quantum Market Research in conjunction with Bupa, also revealed when it comes to mental health, social media is accessed almost at the same rate as clinical professionals such as psychologists and GPs when it comes to providing help. 

The annual Bupa Pulse Check showed 57% of Australians rate their mental health as good or excellent but how they access support is becoming more varied. In the past year, Aussies have turned to family and friends (34%), GPs (29%), psychologists or psychiatrists (13%), as well as digital options including social media (18%), AI tools (10%) and mental health apps (9%). 

A new theme emerging in this year’s report is the impact cost-of-living is having on health, with one in three saying cost is impacting making healthy choices with buying fresh produce, family health activities and preventive health care topping the list. 

Other key findings of the latest Bupa Pulse Check, which checks-in on attitudes and behaviours towards people’s health and wellbeing, include:

• 70% of Australians currently employed say they have experienced burnout at some point in their working life, up 2% on 2024
• 42% of Australians say they are finding it difficult to manage their health and wellbeing, the first increase in three years, with cost remaining biggest barrier  
• 33% say their quality of life has improved over the past 12 months, the highest across the past four years
• 63% say they would be likely to consider predictive medicine in future, compared to 35% in 2022
• 57% say they want to lose weight, and while exercise and dieting are primary approaches, interest in weight loss drugs continues to grow, especially amongst women in their 40s
• 72% of Australians are concerned about developing a chronic illness, with cancer the leading worry, followed by backpain and heart disease/stroke
• 51% report they are currently participating in at least one fitness activity (up 2% from 2024)
• Most Aussies are taking steps to improve their mental health, led by healthy eating (49%), exercise (47%) and spending time with family or friends (43%)

Bupa Chief Health Officer Dr Nic Woods said the research showed Aussies were choosing simple, everyday health habits over extreme fitness trends to maintain their health and wellbeing. 

“Digital health is now firmly embedded in how we look after our health,” Dr Woods said. 

“Australians aren’t swapping doctors for social media, they’re using digital platforms and tools as a first step and as an accessible, everyday support layer alongside traditional care. 

“Digital health boosts access, convenience, efficiency, and opportunities to layer on greater personalisation and more engaging prevention. However, as a health sector we all have a role to play to help ensure people are getting trusted health advice, not misinformation. 

“This year’s Bupa Pulse Check shows real signs of resilience, despite external pressures, with one in three saying their quality of life has improved over the past year, the strongest result we have seen across four years. It’s also positive to see the small, but meaningful gains in mental health and physical activity.”

Quantum Market Research Managing Director Richard Frost said cost-of-living pressures were reshaping how Australians prioritised their health. 

“People want to stay well and prevent illness, but affordability, time and access are now shaping how and whether they can act on those intentions,” Mr Frost said. 

“The rise in interest in predictive and preventative healthcare shows Australians are thinking differently about health and these approaches are increasingly front of mind. People want to get ahead of illness, not just react to it, especially when almost three in four are concerned about developing a chronic condition.” 

Other key findings include: 

• 58% would like doctors to collect and share health data electronically with allied health professionals.
• 60% have used telehealth in the past year, showing it remains a mainstream access channel.
• One in three Australians agree specialists should use AI to diagnose, but concerns about technology’s impact on mental wellbeing persist.

Dr Woods said Bupa was continuing to invest in improving access to care. 

“If we want healthier families and communities, we have to make it easier for parents to look after their own health as well and that’s why we have introduced our digital platform Blua, providing access to telehealth services, expanding our GP and primary care network and Mindplace mental health clinics,” he said.

To read the latest Bupa Pulse Survey, click here.

Approximately 453,000 Australians are blind or have low vision, with this number projected to increase to 564,000 by 2030[1]. Many are unaware of the opportunities or optical solutions available to engage in recreational or competitive sport.

Bupa Optical’s Head of Clinical Management, Karen Makin said optometrists have a key role in enabling people to live their lives to the fullest, but specialised training is needed to fill the skills gap.

“Along with boosting opportunities for social connections, the physical and mental health benefits of playing sport are well documented however understanding eligibility criteria for engaging in Para sport is not as well understood in the industry and amongst the general public.

“Through this partnership with Paralympics Australia, our Optometrists have been given the tools to guide and refer clients into Para sport pathways and provide them with knowledge of any specialised clinical products to support them on their journey,” Karen said.

Bupa is the Official Healthcare Partner of Paralympics Australia, supporting the health and wellbeing of athletes, their families and their training teams. In an exciting era for Para sport, Paralympics Australia has publicly stated its goal for the Australian Paralympic Team to finish on top of Brisbane 2032 medal tally, emulating the feat achieved just once before, at the Sydney 2000 Paralympic Games.

Paralympics Australia’s General Manager, Classification and Pathways, Melissa Wilson, said this important work with Bupa demonstrates the power of collaboration in breaking down barriers to participation in Para-sport.

“Building on the achievements and performances of our athletes at Milano Cortina 2026, this innovative activation with Bupa Optical ensures we continue to expand pathways in Para sport and strengthen Australia’s talent pipeline for Brisbane 2032 and beyond.””

“Allied health professionals, such as optometrists, physiotherapists and occupational therapists, are often the first point of contact for people who could thrive in Para sport. By equipping them with knowledge and referral tools, we’re expanding the entrance to the Paralympic pathway and developing a stronger, deeper talent pipeline.”

“By helping more people with vision impairment understand the possibilities available to them and providing ways to take those first steps into sport, we may not only uncover potential future Paralympians, but open doors for more inclusive and active communities across Australia.”

Vision impaired Winter Paralympian Georgia Gunew, who made her Paralympic debut at the Milano Cortina 2026 Games finishing 10^th in the Women’s Giant Slalom and 11^th in the Women’s Slalom with guide Ethan Jackson, said the connection between health professionals and sport can be life changing.

“Sport has completely changed my life. It’s given me a greater sense of confidence and community and opened doors that I didn’t know existed. When I was first introduced to Para sport, it introduced so many new opportunities and people who understood my journey.”

“Health professionals, like optometrists, can play such an important role in helping others take that first step. A simple conversation or referral can be the spark that inspires someone with a vision impairment to discover what they’re capable of.”

Through this initiative, Bupa Optical and Paralympics Australia can also guide individuals who are not eligible for Para sport classification toward alternative sporting and community-based opportunities, ensuring everyone with a visual impairment can find a way to engage in sport.

For more information about Bupa Optical or to find a store visit here.

For more information about Paralympics Australia’s partnership with Bupa visit here.

^{[1] How do you know if you have low vision? | Vision Australia. Blindness and low vision services}

Infants aged six months to five years, adults aged 65 and over, pregnant women, people with certain medical conditions and Aboriginal and Torres Strait Islander people face the highest risk from influenza. These groups can access the flu vaccine for free. 

Australians can also reduce their risk of flu by washing their hands regularly, staying home when unwell and covering their mouth and nose when coughing or sneezing. 

For more information about Bupa’s free flu vaccine offer, which customers can redeem at any Bupa Medical Centre located between Geelong and Townsville click here.

Bupa believes genomics (the study of our genes) can help deliver more personalised care and better health outcomes and we are making careful investments in this area to create choice for our customers. This includes our pharmacogenomic testing proposition, available to our customers which looks at how an individual’s DNA and genes may affect responses to more than 100 medications.

Importantly, this Bill supports Australia’s shift away from a ‘one-size-fits-all’ approach and towards preventive, personalised healthcare for people who choose to use genetic testing to better understand and manage their health.

That is why we were pleased to make a submission to the Senate Economics Legislation Committee supporting the Bill, as we believe it is crucial Australia’s community-rated private health insurance system remains strong, and that people retain control of their own genetic information.

Most recently, Dr Walsh returned to Australia after completing five years as Chief Executive Officer (CEO) of Johns Hopkins Aramco Healthcare in Saudi Arabia, a joint venture between Johns Hopkins International and Aramco. Prior to this, he served as CEO of Cabrini Hospital in Melbourne for 11 years and previously led Alfred Health as CEO for seven years.

He has held executive roles with the Western Australian Department of Health, including Medical Director at Fremantle Hospital, and senior leadership positions within Victoria’s Department of Health supporting the introduction of case mix funding. Internationally, he has held leadership roles with the UK National Health Service in the South East London Strategic Health Authority and also worked in Qatar. He holds a Master of Public Administration from Harvard University.

Bupa ANZ Chairman Tony Johnson said: “We are incredibly fortunate to have a Director of Michael’s clinical experience and leadership calibre join the Bupa ANZ Board, and know he will have a significant impact as we continue to support delivery of Bupa’s strategic ambitions across the region.”

In 2025, Bupa provided healthcare for a record number of customers across its businesses in Australia, New Zealand, and Hong Kong, supporting more than 11 million people, up from 10.6 million the year prior^[1].

Bupa APAC CEO Nick Stone said the results demonstrated that Bupa’s long-term strategy to reinvest back into healthcare was delivering greater value, access and improved health outcomes for its customers.

“We know the future of health is all about greater access, affordability, prevention and personalisation with a balance between virtual and physical health services, and a relentless focus on the customer,” Mr Stone said.

“In 2025, we accelerated our focus on preventative health to meet patient demand including growing our medical centre and Mindplace mental health network, alongside our digital health platform, Blua. This is about providing better choice to meet the changing health and wellbeing needs of our community.

“Building on Bupa’s purpose to help people live longer, healthier and happier lives, our investment in primary care and digital health is central to our long-term connected care strategy.”

Mr Stone said for the past three years, Bupa had grown its market share in Australian Private Health Insurance, with the December quarter showing our market share was 25.6%.

“This shows that more Australians are recognising the value of our products and services, including young people, which helps support private health and reduce pressure on our public health system,” he said.

“In 2025, we provided our Australian customers more than 277,000 ‘no out of pocket’ experiences during hospital stays and saved our customers more than $10 million using Blua’s 24/7 virtual doctor service, Blua Doctors.

“In Australia, we know that cost of living challenges are impacting many of our customers, and with cost pressures increasing across the health care sector, our focus remains on helping people access affordable, high-quality care in the private system.

“We are also working hard to support our private hospital partners and help them navigate challenges across the system and play our part in keeping private health care sustainable.”

Highlights for 2025 include:

• Paying $6.65 billion in hospital and extras benefits to our Australian customers – up from $6.28 billion the previous year.

• Saving customers more than $18.8 million by claiming 100 per cent back (up to yearly limits) on more than 439,000 general dental fillings through our market-leading Members First Ultimate dental initiative.

• Helping more than 20,000 customers across 20 of our healthcare programs.  

• Resolving 69% of consultations in our Blua telehealth service during the first appointment.

• Adding 27 medical centres, now totalling 33, and 10 Mindplace mental health clinics to our Australian Health Services primary care network.

• Receiving recognition in Australian aged care for our Nurse Practitioner‑led Wellness Hubs, intergenerational programs and palliative care innovation.

• Reaching a seven-year high of 95% occupancy in New Zealand aged care.

• Investing more than $15 million in our retirement village and aged care developments at Whitby and Riverstone in New Zealand.
• Achieving an NPS of 83.54 in Health Services.
• Being awarded two new major Hong Kong government contracts and continuing to invest in new clinics and our connected care service proposition.
• We are investing $500 million in renewing our older care homes in Australia.
• And, we purchased 250 hectares of land in Mt Eccles in Australia to establish Bupa’s first ever nature regeneration and decarbonisation project, as part of our Better World strategy.

Revenue in our APAC business increased by 6% to $12.9 billion driven by an increase of 400,000 customers, the expansion of our health provision network and high occupancy in our aged care homes. Underlying profit increased by 10% to $947 million supported by revenue growth and operating efficiencies.

Mr Stone said: “Across our business, we have been working hard to contain costs to help keep premiums down for our customers and reinvest back into the products and services they want.”

Looking ahead, Mr Stone said: “Bupa will continue to make investments and grow the footprint of our medical centres, mental health, dental and optical clinics.

“Our clinics are open to all, both Bupa customers and non-Bupa customers, to make healthcare more accessible for more people in our community. Combining our physical care presence with digital tools like Blua means more Australians can now access primary, preventative, mental health and urgent care when they need it, including out of hours, wherever they live.”

^{[1] Our customer definition now aligns with Bupa’s 3x100 Strategy and includes Associate Business customers. A customer is anyone who chooses a Bupa product or service when alternatives exist.}

Bupa APAC CEO Nick Stone said since beginning at Bupa in February 2024, Stuart had played an important role in Bupa’s significant growth and strong financial performance across the business.

“Stuart has been part of Bupa during a transformative time as we’ve launched important customer initiatives such as our digital platform, Blua, pharmacogenomics, and our expansion into Medical Centres and Mindplace, our mental health clinics.

“I want to thank Stuart for his contribution to the business, and I’m confident the team is well placed to continue building the momentum he has helped create. I wish him and his family well for the future,” Nick said.

A search is now underway for a new CFO to bring finance leadership capabilities for the next phase of our growth at Bupa.

Amidst these year-round time pressures, Australians are hurrying to secure healthcare appointments ahead of the festive season, with a notable increase in last-minute bookings for optical, dental, and physiotherapy services as people look to maximise their Extras benefits. Data from Bupa Optical suggests appointments spike 30 per cent in December compared to the rest of the year.

Bupa Health Services Clinical Director Dr Tony MacDermott said our modern, busy lifestyles means that often we relegate health appointments to the ‘to-do later’ list or when our health deteriorates, particularly in the lead up to the silly season.

“Appointments like dental check-ups and eye tests are important health activities for Australians of all ages, but we continue to see many people deferring these,” Dr MacDermott said.

Across 2025, the most popular Extras claims were dental, physiotherapy, chiropractic, optometry and remedial massage.

Dr MacDermott also encouraged Australians to take practical steps to ensure they can start 2026 off on a healthy note.

“The new year is also a great opportunity to think about your health goals and what you might need to incorporate into your lifestyle to feel your best, both physically and mentally. An open conversation with a trusted health professional is the best place to start.”

With cost-of-living continuing to impact Australians, Bupa claims data shows approximately 1 million health insurance customers received no-gap preventative dental treatments such as general check-ups over the past year. Eligible customers have also collectively saved $15.5 million by claiming 100 per cent back (up to yearly limits) on 358,000 general dental fillings through Bupa’s market-leading Members First Ultimate benefit^[2].

Claims data also shows, the highest total benefits have been paid out for the removal of calculus, physiotherapy, dental x-rays with full crowns among the highest where the average benefit has been $845.

The new year is also a good time for Australians to review their health insurance policy to ensure it meets their current health and wellbeing needs.

_{^{[1] https://media.bupa.com.au/download/f49b3c5c-2cbb-4fa1-92fa-1d3612bb80d7/bupapulsecheck2025.pdf 
[2] Select direct restoration and general fillings only. Benefit claiming restrictions, waiting periods, yearly limits, fund and policy rules apply. Available on all Extras products with general dental at Members First Ultimate Providers. Not available in all areas.}}

The Hidden Strain on Migrant Health Whitepaper found more than a third (39%) of migrant workers had never taken a single sick day, while another 38% had taken just one or two days off in the past year. By comparison, the national average per worker is between nine and 14 sick days annually.

Bupa Health Services Clinical Director Dr Tony MacDermott said cultural attitudes played a role in sick days including the fact that formal sick leave may not exist in a person’s country of origin and some new arrivals may be unaware of their work entitlements in Australia.

The report also reveals Australia’s healthcare system is a major drawcard for migrant workers with 72% agreeing it makes Australia a more attractive place to live and work compared to others with high trust of our health system among migrant workers.

Dr MacDermott said: “There are places around the world where migrant workers have fewer rights than they have in Australia. Some countries deport migrant workers at their discretion, including when workers are found to have certain health conditions.

“That may influence a migrant worker’s perceptions of what their rights are in Australia. For example, they may worry about losing their job if they take unscheduled leave, or that their visa status might be jeopardised if they have a health condition.”

The Hidden Strain on Migrant Health Whitepaper, commissioned by Bupa in partnership with Quantum Market Research, draws on survey results of migrant workers on overseas health cover, examining the health and wellbeing experience of migrants and highlights where the health system is working well, where it isn’t and what solutions might help address productivity and wellbeing challenges.

Other key findings in The Hidden Strain on Migrant Health whitepaper include:

• Just 13% of those who report poor or very poor mental health have sought help from a doctor and only 18% have accessed some form of counselling

• 36% struggled to find a GP that spoke their language and 41% said language barriers were the key obstacle in getting medical help.

• Workers in mining, retail and construction reported better mental and physical health while white-collar professionals, including those in accounting, banking and IT, are among the migrant workers most likely to self-report poorer health

• 27% avoided medical treatment due to difficulty in talking time off work

• 51% said cultural background influenced healthcare needs, highlighting the danger of treating migrants as a single, homogenous group.

• The biggest stressor was uncertainty, with almost 1 in 2 worrying about their visa status.

• Young people were the most proactive in seeking care with 77% of 18 to 24-year-olds visiting a GP in Australia – well above the average of 59% across all age groups.

• 44% reported exercise as average or poor, 31% said diet was average or poor and 35% said sleep was average or poor.

• 59% have seen a GP and 23% used a telehealth service

In the report, Bupa acknowledges healthcare challenges were complex and calls for action across government, employers, healthcare providers, universities, migration agents and the broader community to create pathways that are safe, accessible and sustainable.

“Now is the time to invest in care that supports all cultures, expand affordable and flexible access, mandate cost transparency, normalise mental health support and equip workplaces to reduce presenteeism. These actions are essential to ensure Australia’s healthcare system serves everyone, strengthens the workforce and protects the health and future of migrant communities,” the report states.

“For Australia to thrive, we must ensure that our culturally diverse communities are supported in every aspect of their health and wellbeing – physically, mentally and socially.

“Employers, policymakers and healthcare providers must prioritise mental health while addressing workplace pressures and general workplace readiness, as well as visa uncertainty and financial stresses that are playing into the fear of taking sick leave.”

The Hidden Strain on Migrant Health paper recommends a six-point plan to remove barriers and make access simple, transparent and accessible.

• Improve cost transparency: Require providers to publish upfront costs, give written out-of-pocket estimates, and ensure insured patients aren’t billed upfront for emergency public hospital.

• Expand multilingual and culturally competent care: Strengthen training, education, and resources to improve health literacy and access for diverse communities.

• Enhance mental health support and reduce stigma: Normalise mental health conversations and deliver culturally tailored, language-accessible education and support through workplaces, schools, and community networks to reduce stigma and improve wellbeing.

• Expand flexible access to healthcare: Increase virtual, after-hours, and on-site health services in workplaces and universities to better meet migrants’ needs.

• Empower workplaces as agents of change: Support migrant wellbeing through inclusive education, diversity programs, flexible work, and subsidised health insurance.

• Support young migrants and international students: Provide targeted employment, financial, and community programs through migration agents and universities to build skills and connections.

Bupa found there was optimism for migrant workers and their health and wellbeing needs.

“The good news is that change is possible and there’s much that can be done to support migrants’ mental and physical health. It’s not about a single, sweeping solution but, rather, small, practical steps that can add up over time,” the report says.

“We need to move beyond the narrow ‘fix healthcare’ narrative. It’s about advocacy, normalising things like how sick leave is used, supporting people to be at their best and broadening the conversation to include wellbeing before someone gets sick or needs hospital care.

“Ensuring they receive adequate healthcare, mental health support and workplace protections is vital for maintaining resilient and equitable communities.”

To read the full report click here.

Bupa, is launching a national campaign encouraging Australians to have more open conversations about health.

The campaign is underpinned by Bupa’s research that shows over half of Australians (54%) have avoided addressing a health concern. Bupa’s findings also reveal that 68% of Australians who shared a health concern with someone other than a medical professional reported a positive impact on their mental wellbeing. These conversations also led to increased feelings of support (52%), connection (32%) and reduced isolation (34%)*.

Bupa Health Stories features six Australian Paralympians who have navigated complex health challenges to show how open conversations with others led to their improved mental wellbeing.

Katja Dedekind, a vision-impaired Paralympic Swimmer and one of the campaign ambassadors, shared how her experience with endometriosis was, at times, more difficult to manage than her vision impairment. Diagnosed at age 17, Katja’s decision to speak publicly about her endometriosis has led to an outpouring of gratitude from women across the country who felt seen in their own experiences.

Paralympic Archer, Taymon Kenton-Smith, lives with Gorlin Syndrome; a rare genetic condition that has seen him undergo the surgical removal of 68 skin cancers. Taymon hopes to encourage more Australians to speak up about their health concerns with people they trust and show that seeking support is not a weakness.

“A problem shared is a problem halved, and that applies even more so when it comes to our health. Talking about our health with someone we trust not only verbalises the challenge, but it also opens the path for us to access the support of others to find the right treatments to meet your needs. We know that many Australians hesitate to open up in fear of feeling shame or being a burden to others. But our research shows that sharing your experience with a friend, family or health practitioner is rarely a burden, in fact, it helps people feel supported and connected,” shared Andrea Christie-David, Director of Mental Health at Bupa.

“And it’s not just about having someone to talk to, representation matters too. When public figures and everyday Australians share their stories, it encourages others to do the same.”

Cameron Murray, CEO at Paralympics Australia, said:

“We’re incredibly proud to be part of this important campaign with Bupa. Not only are Australian Paralympians elite competitors, they’re also powerful storytellers, advocates and leaders.

“By sharing their personal health journeys, our Paralympians are demonstrating that vulnerability is a form of strength. These stories will inspire people far beyond the sporting world.”

The initiative forms part of Bupa’s ongoing commitment to improving physical, mental and emotional health outcomes for all Australians. Bupa wants all Australians to know that it’s healthy to talk about health.

Bupa Medical Director Dr Tony MacDermott encouraged Australians to book a flu shot between April and May to be covered in time for the expected peak in June and July.

“There’s been a troubling decline in the number of people receiving the flu vaccine in recent years, and this puts both individual and public health in jeopardy,” Dr MacDermott said.

“As the COVID-19 pandemic slips further into people’s memories, we’re seeing an ongoing trend of vaccine complacency – and this is definitely not the year for it.

“Australians need to roll up their sleeves for the flu shot – it will potentially save their life, and those around them who are at risk. Getting the flu vaccine is one of the simplest and most effective things you can do to protect yourself, your family, and your community.”

Last year was the worst flu season in five years with more than 365,000 reported cases across Australia and more than 4,200 people admitted to hospital.

“This year is on track to be even worse, with twice as many flu cases already reported in Australia compared to the same time last year, and the flu season starting earlier than ever,” Dr MacDermott said.

One in three telehealth calls to doctors are currently relating to respiratory issues, according to data from Bupa’s digital health platform Blua, where eligible heath insurance customers have access to three telehealth bookings per year with zero out of pocket costs.

Dr MacDermott said modelling from the northern hemisphere flu season pointed to a very challenging season ahead. USA recorded the worst season since 2009 and many hospitals in the UK were swamped with flu cases.

“The severity of this flu season could result in a very significant number of preventable illnesses, hospitalisations, and even deaths. The flu has already infected tens of thousands of Australians each month in 2025, and that’s before we’ve reached peak flu season,” Dr MacDermott said.

“People are slowly losing the good habits learnt during the COVID-19 pandemic, such as getting vaccinated and staying home if you’re sick. These things are as important as ever.”

Infants aged six months to five years, adults aged 65 years and above, pregnant women, people with chronic health conditions, and the indigenous community are the most vulnerable groups to the flu. The flu vaccine is available for free for these at-risk groups.

Bupa expects to provide more than 52,000 flu vaccinations to organisations across Australia. They will be delivered onsite at workplaces and universities nationally and by our partnering pharmacies across more than 2,400 locations in Australia and New Zealand. 

“While Kate will be deeply missed after seven years at Bupa, she leaves with our best wishes as she continues to pursue her career ambitions,” Mr Stone said.

“Kate has been instrumental in supporting and leading our people through times of significant change at Bupa and in our sector including the COVID-19 pandemic.”

Mr Stone said Kate’s impact on both her team and our organisation had been extensive and long-lasting, driving a step-up in the performance of our business.

“Kate has nurtured our purpose-driven culture, led advancements in the way we foster our talent and our leadership pipeline, championed the career progression of women, and our leading position in psychological safety.

“On a personal level, Kate is known for her deep care for our people, our customers and our residents, and her passion for our purpose and culture. She leaves a legacy which I know our dedicated team will continue to drive forward during this period of transition for the health sector,” Mr Stone said.

“I know I speak on behalf of our Board, Executive team and our people in thanking Kate for her significant contribution and service to Bupa, and in wishing her all the best for the future,” Mr Stone added.

While we run an internal and external process for a permanent replacement, Jim Nolan will step in as interim Chief People Officer following Kate’s departure. Jim is a highly experienced People executive and has been a member of the APAC People Leadership Team for nearly four years in his current role as People Director Health Insurance & Business Services and previously as People Director BVAC Australia. Prior to Bupa, he has also held leadership roles in organisations including GE, Orica, AMP and Cleanaway.

Bupa Health Insurance Managing Director Kate Williams said Bupa was committed to supporting impacted customers during these challenging times and providing relief as they navigated the difficult recovery process.

“We understand the emotional and financial toll the flooding, power outages and storm damage has had on our customers. We hope this financial assistance will alleviate some of the pressure and let them focus on getting back on their feet,” Ms Williams said.

“The recovery process will undoubtedly be a long and difficult road for many, and our priority is to help our customers focus on their health and well-being as they work towards rebuilding their lives.

“We have simplified the process to make it as easy as possible for our customers to access the range of support we have on offer.”

Eligible Bupa customers also have access to online mental health programs through This Way Up, providing guided support for managing stress, anxiety and depression.

To be eligible for the ex-Tropical Cyclone Alfred customer relief package, customers must have been a domestic Bupa member on March 4, and be able to provide us with evidence of the Australian Government Disaster Recovery Payment issued from the Department of Human Services.

Customers experiencing hardship that do not meet the criteria for the Disaster Recovery Payment may be eligible for other financial help including suspending their policy.

Customers can apply for the flood relief package until July 4 and are encouraged to visit our information page for further information on how to apply.

Bupa Health Insurance stores that were impacted during ex-Tropical Cyclone Alfred are now all open.

The 2.5-year partnership covers St John of God Health Care’s network of 16 hospitals across WA, NSW and VIC, a third of which operate in regional locations. The two organisations will also work hand-in-hand to enable access to new and innovative models of care such as hospital in the home and cardiac rehabilitation.

Bupa Health Insurance Managing Director Kate Williams said Bupa’s ongoing collaboration with St John of God Health Care is a fantastic example of hospitals and insurers coming together to drive more patient-centred care while supporting the viability of private hospitals, particularly in regional areas.

“We know Australians want certainty and more choice about where and when they receive their care.

“Through our renewed partnership with St John of God Health Care, we’re actively investing in the future of healthcare more than just funding treatment. This means Australians can receive optimal and affordable care both inside and outside of hospital settings,” Ms Williams said.

“We know that Australia’s private health sector is going through a period of transition, and we all have a role to play to assure its future. We look forward to working with St John of God and our other hospital partners to modernise our health system and position it to meet the future needs of our shared patients.”

St John of God Health Care Group CEO Bryan Pyne said supporting the ongoing viability of the private health care sector and meeting the evolving needs of patients were at the centre of this new agreement.

“As a not-for-profit healthcare provider with a 130-year legacy, we are dedicated to building and maintaining strong partnerships that ensure every community we serve has access to high-quality, compassionate, and patient-centred care,” said Mr Pyne.

“Our ongoing partnership with Bupa will help us continue to meet the evolving healthcare needs of our patients while providing expanded treatment options, especially to those in regional communities.

“Enhanced access to cutting-edge robotic technology is just one example of the many healthcare improvements our partnership with Bupa will bring to regional areas.”

This agreement follows recent deals struck with hospital operators around Australia in recent times including Healthscope, Healthe Care, Mater and St Vincents. Bupa’s network includes most private hospitals and day surgeries across the country.

Mr Stone said Bupa was also working hard to take a balanced approach to its operations.

“Driving greater efficiencies across our business has meant we have been investing in strategic initiatives that will benefit our customers, and the wider community,” Mr Stone said.

“In the past year, we’ve been able to provide healthcare for a record number of customers across all our businesses in Australia, New Zealand, and Hong Kong, supporting more than 8.2 million people.

“This growth is part of our bold new strategy to better support our customers through improved and more connected physical and digital services. In Australia, this includes accelerating Bupa’s digital health platform Blua to offer three telehealth consultations per policy every year to eligible customers, as well as creating products that save customers’ money and better meet their health and wellbeing needs.

“With an enhanced focus on integrating our business offers and connecting healthcare experiences, our customers are seeing greater benefits. This includes offering eligible health insurance customers free dental fillings and free twice-yearly checkups at our network of Bupa dental practices.”

In 2024, revenue across Bupa’s APAC operations increased by 13% to $12.2 billion. A key driver of the year-on-year increase was due to the 2023 financial year including $585 million of Covid customer support. APAC revenue growth excluding Covid support was 8%, with the strongest growth coming from our businesses excluding Australian Health Insurance.

In the past year, Australians continued to prioritise their health and wellbeing in growing numbers, with revenue in Bupa’s Australian health insurance business increasing by 6% (excluding Covid support). This was primarily driven by a 4% increase in customer numbers taking Bupa health insurance customers in Australia to 4.5 million.

Underlying profit was impacted year-on-year by the timing of Covid customer support. Profit growth excluding Covid customer support was driven primarily by our Health Services, Aged Care and Hong Kong businesses.

Mr Stone said Bupa continued its sharp focus on delivering for customers during 2024. Key highlights included:

• Bupa paid out $6.3 billion in hospital and extras benefits to our Australian customers in 2024 – up from $5.8 billion the previous year.
• $1.6 billion claimed on extras with dental and optical topping the list – an increase of 11% - driven by Bupa’s Members First Ultimate preventive dental initiative that includes free dental check-ups and free general fillings up to yearly limits.
• We implemented more than 3000 new customer experience improvements, including enhancing benefits across Bupa Life Rewards to deliver more savings for our customers, driving greater understanding for our customers about their policy benefits, increasing benefits for eligible customers visiting non-network occupational therapist, dentists or optometrists, and broadening health content to help customers prepare for a hospital stay.
• 8460 customers registered for clinically backed online mental health program This Way Up.
• Bupa opened five healthcare centres, offering both customers and the wider community access to GPs and a range of healthcare professionals.
• More than 26,000 customers participated in a health program to support and improve their health, prepare for a hospital admission, or recover from a major health event.
• 262,263 customers used a Blua service including online doctors, chemist delivery, and digital content/tools.
• Bupa supported more than 158,000 Blua virtual doctor appointments.
• We currently have 5,569 residents in our aged care homes in Australia – the highest number of residents since 2019, with a 95% occupancy rate. 
• We also have 2,961 aged care residents and 2,143 occupied Village units in New Zealand at a combined occupancy rate of 94%.
• We signed new hospital contracts with several hospital groups including St Vincent’s Health Australia, Mater Health, Healthscope, and Healthe Care.
• Bupa’s Net Promoter Score increased in all APAC businesses showing greater experience satisfaction among our customers. 
• We invested more than $8.8 million (up from $5.3 million) to improve the health of communities in Australia, New Zealand, and Hong Kong.

Mr Stone said with inflationary pressures continuing to impact the healthcare sector, Bupa would continue to advocate for its customers to ensure they could continue to access and afford high quality healthcare.

“Our investment over recent years in greater data and digital capabilities, cybersecurity, and new strategic partnerships to enhance our customer experience will help position Bupa APAC to better meet the future health and wellbeing needs of our customers,” he said.

“We’re dealing with more chronic conditions and a rapidly aging population, which means there is greater demand on healthcare services than ever before.

“Given the current economic environment, we know many people continue to face cost of living pressures, that’s why we remain focused on continuing to drive high-quality, innovative healthcare solutions for the benefit of our customers.”

Mr Stone said Bupa looked forward to sharing new customer initiatives throughout 2025.

Ms Williams is a highly experienced customer and commercial leader with more than 15 years’ experience in the health insurance and financial services sectors having previously held senior roles at ahm Health Insurance, Medibank, and ANZ. She holds an MBA from Melbourne Business School and dual degrees in Commerce and Arts from Monash University.

APAC Chief Executive Officer, Nick Stone, said: “I’m delighted we’ve been able to appoint an executive of Kate’s talent from within our own leadership pipeline, and reward one of our talented leaders with strong career opportunities at Bupa.

“Her leadership alongside the team has resulted in stronger advocacy, retention and growth of our customers, and significant improvement in our products, services, and strategic partnerships.

“As we continue to focus on innovating and delivering value for our customers, including through our digital health platform, Blua, Kate’s leadership will be critical to navigating through this transitional time for the healthcare sector.”

Ms Williams said it was an honour to be appointed.

“I’m looking forward to continuing to work hard with our passionate team at Bupa to deliver for our customers, creating greater value and building deeper relationships with them,” Ms Williams said.

“Bupa has a critical role to play as we work closely with our hospital partners to transform healthcare and better meet our shared customers evolving health and wellbeing needs.”

Healthe Care’s new agreement with Bupa covers its network of 17 private hospitals across New South Wales, Victoria and Tasmania with many in regional and outer suburban areas.

Healthe Care Chief Executive Officer Matt Hanrahan said: “We are pleased to have agreed to funding terms with Bupa that provide surety for our patients and recognise the challenges of the current operating environment.

“The agreement recognises the need for quality private hospital services, with accessibility and choice for patients in urban and regional areas.”

Bupa Health Insurance Acting Managing Director Kate Williams said the partnership with Healthe Care helps ensure Australians have access to the right care, in the right place, at the right time.

“This agreement demonstrates our shared values of patient care and shows what’s possible when a health insurer and hospital group work together,” Ms Williams said.

“We understand the pressures rising costs of living place on our customers. Our collaboration with Healthe Care aims to provide certainty around costs to patients and peace of mind that they’ll receive the best possible care when they need it most.”

Bupa’s renewed partnership with Healthe Care is the latest agreement between Bupa and its hospital partners, including St Vincent’s Health Australia, Mater Health and a recently announced partnership between Bupa and Ramsay Health Care to develop the next generation of nurses through an innovative new graduate program. Bupa continues to have one of the largest hospital networks in Australia.

Bupa Health Services Clinical Director Dr Tony MacDermott said busy Australians were looking to get more value out of their healthcare appointments even if they were leaving it until the last minute.

“In recent times we have worked hard to address cost of living concerns, with eligible Bupa Health Insurance customers^[2] getting 100% back on simple dental fillings when visiting Bupa Members First Ultimate practices. This has saved members around $14 million in out-of-pocket savings this year alone.”

“We’ve also boosted our offerings within our optical stores which are now equipped with Artificial Intelligence enabled eye tests that can now detect signs of heart disease, diabetes and a range of other select conditions… thus providing a more holistic healthcare experience from a standard eye test,” Dr MacDermott said.

Dental and Optical are the most common claims in December with people booking eye tests, purchasing new glasses and sunglasses or getting their yearly dental check-ups ticked off. Data from Bupa Optical suggest sales spike 54 per cent compared to other months.

“Along with booking in summer holidays and end of year parties, December is a timely reminder to book in those appointments you might have missed or delayed during the year,”

”It’s also a good time to review your health insurance policy to ensure it’s still relevant to your current health and wellbeing needs,” Dr MacDermott said.

To find your nearest Bupa Dental practice visit here.

To find your nearest Bupa Optical store visit here.

^{[1] PowerPoint Presentation}

^{[2] With eligible Dental Extras cover. Select direct restoration and general fillings only. Benefit claiming restrictions, waiting periods, yearly limits, fund and policy rules apply. Available on all Extras products with general dental at Members First Ultimate Providers. Not available in all areas.}

When Anna, Bupa member and employee, was diagnosed with basal cell carcinoma (BCC), the most common form of skin cancer, she felt an overwhelming sense of relief that it had been caught early.

“I felt grateful that I had caught it when I did,” Anna says.

 “BCC doesn’t usually spread, but it’s something that needs to be removed before it becomes a bigger problem.

“I feel really fortunate. It makes you think, though—what if it had been a melanoma? What if it had been something worse? I’m just grateful that it wasn’t, and that the hardest part is behind me.”

“I’ve got a long list of things to do, and getting a skin check wasn’t at the top of it.

For Anna, her skin check raised questions about a small, stubborn patch of dry skin on her face that just wouldn’t heal.

“I knew there was something a little dodgy about it,” Anna recalls.

Anna booked in a telehealth appointment through Blua, Bupa’s digital healthcare platform, and obtained a GP referral to a specialist. That biopsy then confirmed Anna had BCC.

But the real turning point came when she encouraged her brother, Steve, to get checked too.

That check uncovered a BCC on his leg but Steve admits, it was a relief to know what it was.

"I'd been meaning to do it for ages, and never got around to it. But my sister told me how easy it was, and pushed me to do it, and so I booked in and got a skin check,” Steve says.

“Sure enough, I also had a BCC on my nose. Thankfully it was removed at an early stage, so I am very glad I got that skin check when I did."

Anna says she’s now vigilant with sun protection.

“We grew up in a time when skincare wasn’t as much of a priority. But now, I’m making sure my kids know the importance of it,” she says.

“I’ll also be stocking up on sunscreen for family Christmas stocking stuffers this year.”

Bupa’s Clinical Director, Dr Simon Benson, says BCCs are the most common form of skin cancer and are usually found on areas that experience higher exposure to the sun.

“We usually see BCCs on older skin, but Anna and Steve’s story of finding them at a younger age is not unique,” Dr Benson says.

“Prevention is key, with the Cancer Council of Australia finding more than 95% of skin cancers are caused by sun exposure. Australia’s climate does us no favours in the UV stakes and you can be doing damage to your skin, even if you don’t get burnt.”

In addition to applying sunscreen, other measures to protect your skin include wearing sun-protective clothing, a hat and sunglasses to protect your face, and seeking shade.

The data, based on Bupa Car Insurance Pay As You Drive policies, also shows the cars sitting idle the most following changing driver behaviour with the Toyota Corolla, Mazda 3, Hyundai i30, Honda Civic and Nissan X-Trail all making the top 10 list.

Victoria has the highest number of policies choosing to limit their kilometres below 15,000, followed by South Australia, Queensland and New South Wales.

Drivers aged 30-39 were the most common age group to take out Pay As You Drive car insurance, which allows motorists to save money on annual policies by insuring themselves for only the kilometres they drive.

Bupa Car Insurance General Manager Lachlan Davidson said more than 75% of policies taken out nationally in 2024 had drivers limiting how many kilometres people were driving, reflecting current lifestyle trends.

“The pandemic changed many things about the way we live including working from home, driving less, staying closer to home and being more active,” Mr Davidson said.

“With Australians continuing to face cost-of-living challenges, many are finding Pay As You Drive cover affordable, while knowing they are covered should something happen.

“They can often be up to 30 per cent^{^} cheaper than traditional unlimited kilometre policies by simply limiting the number of kilometres you drive.

“We expect Pay As You Drive will continue to grow in popularity given its flexibility and that it is meeting the needs of today’s drivers.

 “We know our customers want to save money on insurance premiums, and this is one way that just like your water or energy bill, you only pay for what you use.”

For more information on Pay As You Drive click here.

States where motorists are limiting their drive

^{*Based off Bupa Car Insurance Pay As Your Drive Policies purchased between Jan-Sep 2024}

Most common cars insured for Pay As You Drive

^{*Based off Bupa Car Insurance Pay As Your Drive Policies purchased between Jan-Sep 2024}

^{Any advice is general only and does not take into account your personal circumstances. Bupa, receive a percentage of the premium as commission. Before purchasing, first read, on this website, the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) as well as the Target Market Determination (TMD) to help you decide if a product is right for you. Bupa Home, Landlords, and Car Insurance is distributed by Bupa HI Pty Ltd ABN 81 000 057 590 (Bupa), an authorised representative (no. 354269) of Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). It is issued by Open on behalf of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard). Bupa and Open act as agents of Hollard and not on your behalf.}

^{^Saving of up to 30% derived from premium comparisons between Bupa unlimited kilometre comprehensive car cover option and Bupa Pay As You Drive comprehensive car cover option. Calculations based on a sample of profiles of existing Bupa car insurance customers who advised they drive under 15,000 km annually. Current as at 26 April 2024. Actual savings are determined by your individual circumstances, including the kilometres selected, excess chosen and other risk factors. Minimum premiums may reduce savings. Kilometres can be increased during the policy period, an additional premium is payable. In event of an accident and the end odometer reading is exceeded or is below the start odometer reading on your Certificate of Insurance, an additional excess is applied.}

Chris will move to London to take up the role in January 2025, reporting to Carlos Jaureguizar, CEO for Bupa Global, India & UK. Kate Williams, currently Director, Domestic Retail Portfolio, Health Insurance will be appointed to the role of Acting Managing Director, Health Insurance in Australia.

APAC Chief Executive Officer, Nick Stone, said: “This is a great example of leveraging our leadership pipeline globally and rewarding key talent with strong career growth opportunities within Bupa.

“Chris will bring his extensive experience in Australia’s mature private health market to lead the ambitious transformation plans for Bupa UK Insurance,” Mr Stone said.

“While the team in Australia will greatly miss Chris, we all wish him well in his new role at Bupa UK. I want to personally thank him for his strong leadership and relentless focus on our customers, people, and our hospital partners, during a particularly transformational time in Australian healthcare.”

Under his leadership, Bupa’s Health Insurance footprint in Australia has grown to more than 4.4 million customers and following seven consecutive quarters of growth, now has a market share of more than 25% in Australia’s highly competitive market. Chris has worked to revolutionise the customer experience with a strong focus on creating value for customers, delivering new products, and working together with Bupa’s Australian dental business to provide increased value to health insurance members.

Chris joined Bupa in November 2020 as Director, Domestic Retail Portfolio, Health Insurance, before being appointed to the role of Bupa Managing Director, Health Insurance, Australia in March 2022. He has more than 25 years’ commercial experience including most recently as CEO of WS Audiology Asia Pacific. He also held senior roles in media and telecommunication industries in Australia and Europe.

Chris holds a Bachelor of Business from Edith Cowan University. He also completed post graduate studies in Executive Finance from INSEAD Business School and is a graduate of the Australian Institute of Company Directors.

“I’m delighted Kate has agreed to step into the role of Acting Managing Director, Health Insurance. She’s a passionate customer advocate who knows our Health Insurance business extremely well. This makes her well-placed to continue delivering for our customers and partners,” Mr Stone said. 

Kate has been with Bupa for more than three years, starting as General Manager, Customer Strategy and Go-to-Market, before becoming Director, Domestic Retail Portfolio, in March 2022. In this role Kate has been responsible for delivering products and services for Bupa’s retail customers in Australia and has a deep knowledge in customer, product, growth, and transformation.

An internal and external executive search process is now underway for the permanent Managing Director Health Insurance role.

The two-year deal will help provide joint patients and customers certainty over their health and care expenses while helping to limit out-of-pocket costs for Bupa members at St Vincent’s hospitals. It will cover Bupa’s customers at St Vincent’s 10 private hospitals in NSW, Victoria, and Queensland.

Under the new partnership, St Vincent’s and Bupa will work towards trialing a short-stay hip and knee program at several St Vincent’s hospitals. St Vincent’s has also extended its digital mental health service, This Way Up, to Bupa customers for treatment of critical issues such as anxiety, depression, and insomnia.

St Vincent’s CEO Chris Blake said: “This agreement demonstrates that collaboration and partnership between hospital providers and health insurers remains achievable and can drive better health outcomes.

“It’s a partnership that supports the viability of our hospitals – particularly our regional services – while giving Bupa members access to some of the best private healthcare in Australia.

“Our partnership with Bupa has always been about more than just financial arrangements. We are both committed to working together to add value for customers – our patients – and moving private health forward,” Mr Blake said.

Bupa Health Insurance Managing Director Chris Carroll said: “Working alongside St Vincent’s, we’ve strived to put in place a partnership that puts patients first and helps ensure our customers have access to affordable and high value care.

“We want to be a true partner in our customers’ healthcare, and partnerships like this help us innovate and respond to meet the changing health and wellbeing needs of Australians, now and into the future.

“This shows what’s possible when hospitals and health insurers work together to address the current challenges facing our sector. This includes addressing increased private hospital costs while keeping our customers’ premiums as low as possible, particularly in light of current cost-of-living pressures,” Mr Carroll said.

Mr Blake said hospital providers and health funds had roles to play to help safeguard the private health system.

“Everyone understands Australia’s private health sector, as with the broader health system, is undergoing a period of transition at the moment,” he said.

“For private health care to operate effectively, health funds and hospitals need to work together, and on an even playing field. That’s where this agreement springs from, the goal of putting patient care first, and supporting the sustainability of our sector,” said Mr Blake.

When the lockdowns were over, Ottavio thought he should have a check-up.

“I had a routine blood test which found my cholesterol levels were a little high. I thought I was in good shape, but the tests were a wake-up call.”

Ottavio had follow-up cardiac tests which showed that he had high levels of calcium in his arteries and that his heart was not pumping enough blood. In fact, his doctors discovered that he had four blocked arteries – two of them were 90% blocked and the other two about 50%.

He was told that he would need quadruple bypass surgery.

"Hearing that I needed major surgery was a shock, but I felt reassured knowing I had the right support," Ottavio recalled.

Within two weeks, Ottavio was booked in for surgery, which was successful. He spent a week in the hospital recovering from the operation.

After returning home, Ottavio received a letter from Bupa about The COACH Program®, which is designed to support people recovering from a cardiovascular event. He admits that he was initially a little sceptical, but decided to give the phone-based health coaching program a try and says he benefited from the specific guidance and encouragement.

"The COACH Program® was a pleasant surprise. It really helped me get back on my feet," he said.

"My family were and are incredible. They were there every step of the way, giving me the strength to keep going.” 

To learn more about the COACH Program® click here.

We are only halfway through 2024, and already too many women have lost their lives under horrific circumstances. The alarming rise in women dying due to gender-based violence has prompted our government to declare it has reached crisis point.

To ensure no more women needlessly lose their lives, we all have a responsibility to be active participants in the national movement to end violence against women. Because of this, Bupa is proud to have partnered with the Our Watch Institute, Australia’s leading team of violence prevention and gender equality experts, to progress our work in the prevention of violence against women.

Leaning on their expertise, we’ll enhance the internal training and programs we already have in place to build confidence in Bupa’s leaders to appropriately respond and support people in their team who may be experiencing gender-based violence. We’ll also be more visible in the support offered to our people, which includes referrals to support services and access to family and domestic violence leave.

We also want to ensure that we are delivering on our commitment to create a workplace where everyone can feel safe and thrive. We have implemented many measures in this space, including establishing a dedicated working group which is focused on continually improving our policies and processes in support of reducing bullying and harassment, including sexual harassment, and sex discrimination in the workplace.

For our customers, we recognise that sharing experiences of family and domestic violence can be particularly challenging. Therefore, we’re committed to training our employees to recognise the signs, inform customers about appropriate support options, and maintain the confidentiality of their information.  You can read more about the customer support options here.

By partnering with the Our Watch Institute and by making our commitment to addressing gender-based violence public, we hope that we are taking meaningful steps to address this issue, not just now, but for future generations.

(*AIHW 2021-22 PSS)

• A door-to-door chemist delivery service recently launched to all 4.3 million health insurance customers. 
• 24/7 virtual doctor consultations – currently available to international Bupa health insurance customers – and almost one million of domestic health insurance customers as part of a trial where they can access up to three free consultations per year. 
• Online health tools and information to help customers navigate, assess, and learn about their health.

Bupa APAC CEO Nick Stone said Bupa’s Connected Care strategy was about bringing to life its bold vision to create truly personalised and seamless healthcare journeys for its customers and the wider community. 

“We know one of the biggest pain points for customers going through the healthcare system is how fragmented it is. That’s why we’re working to connect care physically and digitally to remove barriers and increase affordability and convenience,” Mr Stone said. 

“We are building on our current network of dental practices, optical and hearing stores to give our members a truly connected health journey.

“In the long-term, our aim by bringing services together physically and digitally is to deliver simple, person-centred care – the ‘right care’ in the ‘right place’ at the ‘right time’. We want to be a true partner in our customer’s healthcare.” 

“Access to clinicians and services will be supported by technology and underpinned by safe, secure, and intelligent data for a more seamless and less confusing health experience. 

Mr Stone said Bupa had started delivering on elements of the strategy and would continue to respond to changing customer preferences, and the need to help alleviate some pressures on Australia’s health system. 

“As part of our Connected Care vision we will build out and bolster our preventative health programs including nurse and dietitian-led health coaching, mental health and wellbeing programs, and programs to help people avoid or recover from a health condition,” he said. 

Data from the Australian government has suggested every dollar invested in preventive health saves an estimated $14.30 in healthcare and other costs. 

Mr Stone said Bupa’s long-term Connected Care approach would also help empower customers to manage their own health information enabled by secure digital platforms. 

“Giving customers easier access to their own secure health information recognises they are active participants in their own health journeys. It allows our customers to take proactive steps to get well and stay well,” Mr Stone said. 

Recent insights from Blua’s virtual consultations pilot for regional members found the most common reason for appointments was for acute care, with more than a third using the service for respiratory illness or gastro. Prescriptions were given in almost half of consultations including repeat prescriptions for common medications. Data also shows those aged between 30-49 were most likely to use the service with consultation lengths up to 15 minutes. 

Independent research, commissioned by Bupa, found almost half of Australians felt accessing healthcare was complicated, and two in three experienced at least one barrier to accessing a healthcare service over the past year with wait times, limited appointments, and costs the main barriers. 

The Bupa Pulse Check survey also found there was an increase in the number of people visiting an allied health practitioner compared to last year, and while people preferred in-person appointments due to the need for physical examinations and the ease of building relationships with practitioners, there remained a strong desire for the ongoing use of telehealth. 

Bupa continues to consult with Federal and State governments, medical professionals and industry and key stakeholder groups on its Connected Care strategy to ensure it meets the needs of a growing, ageing population while supporting the Australian health system. 

For more info on Blua’s digital offering click here and for Bupa health care programs click here.

“In some cases, having the most basic hospital cover could cost less than paying the MLS if you don’t have private health insurance – and we know most families would welcome savings during the current cost-of-living challenges Australians are facing. 

“For example, a family can save about $441 dollars with ‘accident only’ hospital cover, instead of paying more than $3000 in tax and receiving no benefits. 

“It’s worth investigating and getting the right financial and tax advice. If you’re eligible, claiming the private health insurance rebate can also help reduce your premium by up to 24% in some cases, depending on your circumstances.” 

To help calculate the MLS, Bupa has an online tax calculator to calculate what you may be paying in tax. 

^{Note: The family income threshold is increased by $1,500 for each Medicare levy surcharge dependent child after the first child}

Medicare Levy Surcharge 

Having a suitable level of private hospital cover means people don’t need to pay the Medicare Levy Surcharge (MLS), which can be up to 1.5% of your income. 

Most Australian taxpayers help pay for Medicare through the Medicare Levy, but if they earn more than $93,000 as an individual or $186,000 as a couple or family in 2023/24, they may have to pay the MLS as well. 

Those who had private hospital cover, even the most basic, during the full tax year won’t need to pay the MLS.

Use the online tax calculator to calculate what you may be paying in tax.

Lifetime health cover 
It’s helpful to have private hospital cover before people turn 31. Each year someone who has turned 31 is not covered under private health cover, it will cost 2% more in premiums when they do get cover, and that continues to increase each year, up to 70% and this increase in premium will remain in place until they have held private hospital cover for 10 continuous years. 

Getting private hospital cover sooner helps to avoid those 2% increments adding up. 

Age-based discount 
Bupa has an initiative that offer people aged under 31 a discount on private hospital cover. The discount is 2% for each year between 18 and 30, when they first purchase hospital cover. The maximum discount is 10% for those aged 18 to 25 years. Those who have health insurance from a young age can keep this 10% discount until their 41st birthday. 

Private health insurance rebate 
The Federal Government contributes towards private health insurance premiums based on a person’s income and age.

Note: The family income threshold is increased by $1,500 for each Medicare levy surcharge dependent child after the first child. 

Source: Income thresholds and rates for the private health insurance rebate | Australian Taxation Office (ato.gov.au)

Based on the number of claims, dental topped the list of extras for younger members followed by physiotherapy, chiropractic, remedial massage and optical, and one customer with ambulance cover received a claim benefit of more than $14,000.

Bupa’s hospital claims data claimed between April 2023 to April 2024 shows average individual claim benefits for those who needed back, neck and spine procedures reached almost $12,000. Joint reconstructions had average payouts of almost $5000 and those who needed operations for hernias and appendectomies received more than $4000.

Claims for mental health support were also common for hospital and extras categories, where it came in as the nineth most used extra service.

Bupa Health Insurance Managing Director Chris Carroll said within an environment of cost-of-living challenges, young Aussies continued to take out health insurance in growing numbers, even surpassing other traditional and older cohorts.

“We’re continuing to see young Australians taking charge of their individual health and wellbeing based on what good health means to them,” Mr Carroll said.

“They are investing in preventative health such as dental hygiene, mental wellbeing and muscular-skeletal as they realise its critical to their health and to stay well.

“Some of our younger members have also seen firsthand the importance of private health insurance to support treatment and recovery from serious injuries on the sporting field, a burst appendix or even an accident on an e-Scooter.

“One of our members received a claim benefit of more than $30,000 for a knee replacement, while a customer who underwent treatment for their back, neck and spine received a claim benefit of almost $12,000. Having ambulance cover as part of their extras also saved one young member a bill of more than $14,000.”

Other popular hospital claims for young people have included dental surgery, rehabilitation, pregnancy and birth and gastrointestinal endoscopies.
 

While the majority (55%) of Australians recognise role models can inspire positive health changes such as staying active (54%) and building self-belief (21%), almost a third (31%) want to see more fitness abilities and body types portrayed in the media.

Leibovitz, renowned for her iconic portraits has captured what health means to six Para athletes with captivating portraits that celebrate health in all its forms. 

Curtis McGrath OAM, an Australian Paralympic multi-gold medallist in Para-canoe and former soldier who was photographed along the River Seine, said he was proud to be selected to represent Australia in the global campaign.  

Bupa’s Chief Customer and Transformation Officer, Danielle Handley, said the Picture of Health campaign aimed to inspire a conversation about what true health is, and what it can be.

“Every day, we’re bombarded with images about what being ‘healthy’ looks like, and often it isn’t truly reflective of the diverse nature of our community, and positive physical and mental health. What it means to be healthy is different for everyone and there shouldn’t be a one-size-fits-all approach,” Ms Handley said.

“We wanted to start this with a series of dynamic and striking photos that could inspire people to share their own Pictures of Health. Given her fame for capturing the stories of the people she works with, Annie Leibovitz was the perfect photographer to help bring Picture of Health to life and showcase what health means for each of our six athletes.”

To celebrate health in all its forms and add to the captivating line-up of images shot by Annie Leibovitz, Bupa is calling on people across the globe to upload their own Picture of Health and show what being and feeling healthy really means to them in its online gallery between 21 May to 21 June 2024.

Those uploading their photos in Australia also have the chance to win tickets to the Paris 2024 Paralympic Games this August. Visit bupapictureofhealth.com to find out more.

Findings from the latest Bupa Pulse Check survey revealed Australians were increasingly focusing on their health and wellbeing.

As one of Australia’s largest healthcare companies, Bupa is playing a key role in helping Australians live healthier every day, and adapting to their changing health and wellbeing needs.

This insight has underpinned Bupa Health Insurance’s new campaign, ‘Good health is contagious’ with creative agency Thinkerbell. It’s the first major work building into the Bupa master brand’s ‘Healthcaring’ platform.

The campaign is built from a human truth - when one person makes a healthy choice, it catches on around them. With more than 4.3 million customers, Bupa is in a unique position to help good health catch on right across Australia by making it easier for customer to make healthy choices with the value that’s offered by their health insurance.

‘Good health is contagious’ elevates Bupa’s role from health insurer to a health care partner, differentiating it in the cluttered health insurance market.

Jim Ingram, Group Chief Creative Tinker & Founder of Thinkerbell said: “With this idea, Bupa will be a spark for all kinds of contagious health - from dental check-ups, to mindfulness, to…well lycra, all helping people remember that we can catch good stuff from each other too.”

Naomi Driver, Bupa Health Insurance GM of Marketing, adds: “This campaign reflects how everyday Australians are approaching their health. It focuses on how small actions can catch on to improve overall wellbeing.

“As a healthcare partner to millions of Australians we want to help people feel confident they can live healthier, whatever good health looks like to them. We love the potential this idea has for helping good health catch on across the broader community.”

The work launched nationally across digital, social, TV, radio, and OOH over the weekend.

The top 10 list, based on dogs named on Bupa Pet Insurance policies, proves dogs really are their owners’ fur children with names such as Charlie, Teddy and Frankie.

For the more unusual dog names, designer fashion labels for ‘pawsh’ dogs were the go-to inspiration, including Gucci, Chanel, and Chloe, while others looked to movie characters such as Yoda, Thor, Tinkerbell, Woody, Buzz, SNOOP and Jax from Sons of Anarchy.

Some even named their pooches after their favourite drink such as Bundy, Whiskey, Brandy and Bubbles while others went with their gut instinct naming their pooches Bagel, Chilli, Oreo, Biscuit and Peanut.

Confirming we are sports-mad nation, a special dog was named after Brazilian-Portuguese footballer PEPE while some dogs are an ode to late NBA champion basketballer Kobe Bryant.

Bupa General Insurance General Manager Shannon Orbons said: “Just like some children’s names, some pet names can divide popular opinion. Perhaps that’s why classic names continue to top the list, though the trend for more unique dog names continues to grow.

“So, if you’re in your local off-leash park and you call out ‘Luna’ or ‘Daisy’, and some other friendly neighbourhood dogs run up to you, you’ll now know why.”

Mr Orbons said pet ownership continued to grow, and with ongoing cost of living challenges, many owners had pet insurance for peace of mind coverage.

“You can see by the some of the most popular names, that families see their pets as their children, and that’s why they’re also looking after their health and wellbeing,” he said.

“Vet bills can be expensive, and our members are seeing benefits from an average of $366 to more than $10,000.”
 

Bupa healthcare professionals developed Mind Care Choices in 2017 to help Bupa members access mental health care in the community and to help reduce high readmission rates for inpatient psychiatric care.

The program has helped reduce the average length of stay in hospital for psychiatric care from 35 days to 13 days, saving an estimated 4840 bed-bed days in 2022 alone.

As part of the Mind Care Choices program, patients receive up to 30 sessions of multidisciplinary care including with a psychologist, occupational therapist, social worker, and registered nurse. Sessions can be individual or in groups and delivered virtually or face-to-face.

Clarity Health Care Chief Medical Officer Dr Matthew Warden said the new clinic would support improving access to mental health care in Tasmania to up to 350 patients annually.

“Unlike many other clinics, we have all the clinical support people in the one clinic, and we know this multidisciplinary team-based approach leads to stronger recovery outcomes for patients and helps prevent them being readmitted to hospital.

“I’m thrilled we’re expanding our services to better support Tasmanians.”

 Bupa Health Insurance Customer Health and Care Director Adam Simson said since Mind Care Choices launched in 2017, almost 1000 members had benefited from the program, which now runs nationally, with only 18.6% being readmitted to hospital care who are part of the program, compared to 48% who undergo care in a hospital.

 “Hospitals do a great job caring for our members with serious mental health issues – but we know the setting is not always right or accessible for everyone and many are after an alternative to hospitalisation, including in the community or in the comfort of their own home,” Mr Simson said.

 “Community-based care options can be limited so we’re proud that through our partnership with Clarity Healthcare, we’ll be expanding the offering of our innovative, integrated treatment programs and care through face-to-face appointments, telehealth and in-home outreach.

Mind Care Choices is an individually tailored mental health treatment and support program for people who have a diagnosed mental illness and have experienced one or more admissions to a private hospital in the past 12 months.

Click on the links to find out more about the Mind Care Choice program and Clarity Healthcare.

Aged Care 

As one of Australia’s leading aged care providers, we commend the Government’s commitment to fund the increase to Award wages for aged care workers. It is an important first step in appropriately recognising people who work in aged care for the important work they do and helps attract and retain people in the sector, particularly in regional areas.

The changes to migration rules announced today and the new Aged Care Industry Labour Agreements will help providers find much needed employees. We appreciate the Government’s decision to extend the current arrangements for student visa holders working in aged care. These are some positive steps towards mitigating the workforce shortages that the sector will continue to face, particularly in regional areas. 

We appreciate the Government’s decision to extend the current arrangements for student visa holders working in aged care. These are some positive steps towards mitigating the workforce shortages that the sector will continue to face, particularly in regional areas.

The substantial uplift in funding to the aged care sector will make significant progress in ensuring that funding covers the true cost of care. Appropriate funding is critical to the long-term sustainability of the aged care sector, given the increasing gap between what is expected of providers, and what is funded.

With the economy facing inflation of 7%, this funding increase will help alleviate some of the financial pressures facing many providers. We await further guidance from the Department of Health and Aged Care around the parameters of this funding, and look forward to continued progress to ensure the aged care sector can provide high quality care to a growing population, in a sustainable way.

Primary Health Care

We support the Federal Government’s vision for Medicare. There are encouraging signs that Medicare reform will enhance our primary healthcare system so that it is fit-for-purpose, improves accessibility and can ensure the best health outcomes for a modern Australia.

We welcome the opportunity for greater industry collaboration to give customers a stronger voice and continue to support our world-leading mixed health system.

Vaping reform

We welcome the Government’s provision of significant funding for tobacco and vaping reforms, and national lung cancer screening.

This investment will go towards discouraging people from taking up smoking and vaping and encourage more people to quit alongside additional support for the Tackling Indigenous Smoking program to help reduce vaping among First Nations people, and earlier detection of lung cancer.

These programs will also support the work of our health professionals across Australia who support patients to help them quit smoking and live healthier lifestyles.

^{*Underlying profit includes $118m of undistributed health insurance claims savings related to COVID-19. This is intended to be returned to Australian health insurance customers in line with our commitments to not benefit from COVID-19. 2023 health insurance underlying profit will be reduced accordingly.}

Bupa Asia Pacific (APAC) has today announced it will further defer its 2023 premium increase until October 2023 saving customers an extra $79 million as it releases its 2022 financial results with a focus on delivering value and support for its customers and residents.

Against a backdrop of cost of living and inflationary pressures, Bupa has continued to prioritise supporting customers and putting in place new initiatives to keep healthcare and health insurance affordable.

As more people continue to prioritise their health and wellbeing following the COVID-19 pandemic, Bupa Health Insurance saw an 4.2% increase in customer growth in 2022 taking its total customer base to 4.1 million customers.

Bupa also paid out $5.7 billion in hospital and ancillary claims across its domestic and international portfolios last year, among the highest of major insurers.

In announcing an additional $79 million premium deferral today, on top of the $75 million in customer support already announced in December last year, Bupa members’ premium changes will be deferred for six months until 1 October saving health insurance members $154 million.

Bupa’s reported financial results show revenue declined marginally, largely driven by $558 million returned to Australian health insurance customers in 2022 through cashbacks and premium deferrals (2021: $120m). Excluding the impact of COVID-19 support packages, revenue increased 3% year-on-year.

Underlying profit increased to $537 million; excluding $118 million of undistributed health insurance claims savings related to COVID-19, profit increased by 3%. 

This was driven by improved gross margin in Australian Health Insurance, lower costs in Australian Health Services and strong performance in Hong Kong Health Services. Impacts from the pandemic led to reduced profits in Australian and New Zealand aged care, due to lower occupancy and increased labour costs.

Bupa Asia Pacific Chief Executive Officer, Hisham El-Ansary, said: “Our total announced customer support since the pandemic started is now close to $1 billion through cashbacks, premium deferrals, financial assistance for impacted customers and other support programs.

Mr El-Ansary said Bupa remained committed to supporting customers and residents as their health and care partner.

“As we emerged from the most challenging health crisis of our time, we now  face uncertain global and local economic conditions,” he said.

“In aged care, we remain focused on continually improving the level of care we offer our residents. We look forward to implementing key reforms to be introduced by the Federal Government during 2023, including aged care standards and the wage increase for aged care workers.”

Mr El-Ansary, who will step down as Bupa APAC CEO at the end of this month, thanked the millions of customers and residents who put their trust in Bupa to support their health journey and care needs.

“It’s been an enormous privilege to lead the Bupa APAC team. While we’ve made good progress in meeting the ever-changing needs of our customers, we know there will always be more work to do. I look forward to watching Bupa continue to thrive” he said.

Health Insurance

In our Australian Health Insurance business, when excluding the undistributed COVID-19 claims savings, underlying performance was driven by customer growth, an enhanced portfolio mix and continued business transformation initiatives.

Mr El-Ansary said: “We have one of the largest hospital networks of any major health fund which gives our members peace of mind they’ll be covered without additional out-of-pocket costs when they receive treatment. As the pandemic shifted people’s mindset about how they want to receive their treatment, our investments in new and innovative models of care including virtual and digital care, rehab in the home and chemo in the home are increasingly giving members a more personalised and connected health journey.

“We witnessed the acceleration of digital health during the pandemic. We know that telehealth is here to stay as it meets the needs of consumers, complementing in-person consultations and providing greater access to doctors and health professionals. That’s why we’re continuing to develop Blua and exploring new virtual and at-home propositions for our customers.”

Health Services

In Australian Health Services, revenue declined due to the divestment of our dental practices in New Zealand and clinician vacancies. This was partially offset by new business revenue and growth in medical assessment volumes as COVID-19 lockdown backlogs were cleared. Underlying profit improved, driven by lower operating costs and increased customer demand for optical and hearing services.

Mr El-Ansary said: “Bupa Dental Care is investing in exciting initiatives including programs dedicated to graduates, mentoring and future leaders, as well as opportunities to upskill on the latest technologies making Bupa a great place to work”

Aged Care and Villages - Australia

In Australian Villages and Aged Care, revenue and underlying performance declined. This was largely due to COVID-19 restrictions which contributed to workforce challenges and constrained admissions, as well as the sale or closure of nine homes in 2021. Closing occupancy was 84% (2021: 87%). Higher labour, infection prevention and control costs also contributed to the decreases.

Mr El-Ansary said: “A sector-wide workforce shortage remains the key challenge, with an estimated 35,000 vacant roles across the aged sector. These workforce pressures have an impact on occupancy, particularly in regionally based homes.

“We have put in place several workforce initiatives to mitigate these pressures including carer traineeships, our registered nurses graduate program and our overseas nurses’ program, which has recently taken in its first group of nurses.

“As the Government has recognised, addressing the significant workforce shortage today and making a career in aged care attractive for the next generation, requires a broad suite of reforms and Bupa welcomes the opportunity to contribute.”

Aged Care and Villages – New Zealand

In New Zealand Villages and Aged Care, revenue was broadly in line with 2021 as new developments and government funding increases offset divestments and site closures. Underlying profit decreased primarily due to the impact of COVID-19 on occupancy, as well as higher labour costs. As part of continued portfolio optimisation, we opened a new retirement village and adjacent care home and closed three care homes. Closing occupancy was 87% (2021: 88%).

Mr El-Ansary said: “In New Zealand, our underlying profit was lower in 2022 due to higher agency labour costs caused by employee shortages, higher PPE expenses and inflation, alongside reduced occupancy rates from COVID-19 restrictions. Some encouraging signs of recovery were noted in the last quarter”

Hong Kong

In Hong Kong SAR, revenue increased due to various factors including strong COVID-19 vaccination clinic volumes. We provided more than 12,500 virtual consultations and opened seven new medical and dental centres. This was despite the COVID-19 restrictions in place during the first half of the year and visitor entry restrictions remaining for most of the year. Underlying profit was significantly impacted by a rebound in insurance claims following COVID-19 lockdowns in the second half of 2022.

Mr El-Ansary said: “Despite the challenging operating environment in Hong Kong, we have made significant investments in the transformation agenda, which futureproofs our businesses and enables a digitally enhanced online to offline experience.”

Where it all started

I first picked up a racket in my early teens. I was extremely overweight, I didn’t really do any physical activity and enjoyed playing video games too much! My dad went and found a tennis coach who was happy to train me and one of my mates, Dylan Alcott.

The game’s given me a lot of pride in myself, being a person with a disability. Back when I was a kid growing up we didn't see people with disabilities on TV. Now, we're on the big stage, we're playing the big tournaments and it's just really cool that we can be in the spotlight giving younger people with a disability an opportunity to feel seen and hopefully inspire them.

How Nick Kyrgios inspired my comeback

I put the racket down when I was 18 and didn’t think I’d play tennis again. I got involved with what you could say was the wrong crowd. I was partying and my life wasn’t going in the right direction.

It was the fourth round of Wimbledon in 2014 and I’d just watched Kyrgios beat Rafa (Rafael Nadal). It got me thinking, what would happen if I picked up a tennis racket again. After chatting to my junior coach for the first time in seven years, he invited me back to the local club where I first trained.

I started hitting once a week and then it became twice a week. Dylan heard I was back and spoke to Tennis Australia which invited me in. I signed an agreement a week or so later and started training five days a week. I don't think I was quite ready for the five days a week - I wasn't doing any of the right things and I was eating McDonald's. I still do now - so, keep that quiet.

I just wasn't prepared for the impact that level of training was going to have on my lifestyle and my body, but just kept working at it and now I’m in good shape and good form.

A last-minute entry to the Rio Paralympics

 I was given a wild card but was then told I hadn’t been playing long enough to quality for the Paralympics. The International Paralympic Committee then invited me and thank heavens they did, because I actually won gold in the doubles, which was cool.

The Rio experience changed my life in a big way. Until then, I saw myself as a professional but casual tennis player. When we got back from Rio, people wanted to talk to me and do interviews and I realised that if I wanted to be seen as a professional athlete, I had to act like one on and off the court. I started dedicating most of my time to tennis, saw improvement and then saw doors open for worldwide travel, doing what I love.

Sporting inspirations

Growing up, there was a lady named Daniella de Toro, who was a wheelchair tennis player. She was a massive mentor to me, especially during my comeback. Not that I want to admit it, but my mate of 22 years, Dylan, has also been an important mentor to me.

Kurt Fearnley’s an inspiration and one of our best-ever Paralympians. He’s a phenomenal athlete and doesn’t let anything get in his way. I guess that's just how I try to live my life now too. The only thing that I can't do at home is get a cup out of the top cupboard.

The ups and downs of tennis and life

Apart from playing doubles, tennis is pretty much a solo sport. At the Rio and then Tokyo Paralympics, we had such a little team. It was four players and two staff members but we’re really close. If one of us wins, we all win and we're always there to support each other and help each other out.

Just like life, tennis isn’t all beer and skittles. The ups and downs translate to life and vice versa. I’ve been lucky and had some success but it’s not always the way.

Last year, I lost a finals match in France against a guy I probably should have beaten. I think it gave me a kick in the bum that I needed - to get back out there and really, really grind it out to get better. I'm currently sitting number three in the world which is cool. It's my highest ever ranking.

I think playing tennis has taught me to be able to deal and cope with different everyday life stresses in a better way. I just try and be as relaxed and easy-going as I can and try not to throw my racket.

“We want our members to go into the new year knowing we will continue to support them by providing cost of living relief in 2023,” Mr Carroll said.

Consistent with previous COVID initiatives, customers who held an active policy between 1 November 2022 and 31 December 2022 and have since left Bupa, will also be eligible for this return in value.

Customers can expect savings of up to $96 for extras only policies, $211 for hospital only policies and $328 for hospital and extras policies. On average, this will be about $6 for extras only policies, about $37 for hospital only policies and around $50 for hospital and extras policies.

Members don’t need to do anything, and we will communicate directly with customers early next year.

What is the Medicare Levy Surcharge?

If you don't have private health insurance, and earn above a certain income, you might be paying the MLS – and it could be costing you extra in tax.

The Medicare Levy Surcharge is an additional surcharge that is generally payable by Australian taxpayers who do not maintain a sufficient level of private hospital cover and who earn more than $90,000 as an individual or $180,000 as a couple or family.

Depending on your income, the rate at which the MLS may be payable ranges from 1% to 1.5%.

What if I earn less than $90,000?

You may not be liable for the Medicare Levy Surcharge if you earn less than $90,000.

But having private hospital cover may help you avoid hospital surgery waiting lists and minimise out of pocket costs for dental, physiotherapy, optical and other health providers.

Private health insurance rebate?

The private health insurance rebate is an initiative where the Federal Government contributes to the cost of your private health insurance if your income is $140,000 or less as a single person, or $280,000 or less as a family (unless you have two or more children).

If you are eligible to claim the private health insurance rebate, you can choose to claim the rebate either in your annual tax return or as an automatic reduction to your insurance premiums.

How much is the private health insurance rebate?

The private health insurance rebate can be up to a third of your premium, depending on your income, age, relationship and family situation.

You can choose to either claim the rebate in your annual tax return or as an automatic reduction to your insurance premiums.

How do I qualify for a private health Insurance rebate?

You may be eligible to claim the private health insurance rebate if you are an Australian citizen or permanent resident, are eligible for Medicare and your income is $140,000 or less as a single, or $280,000 or less as a family (the family income threshold is increased by $1,500 for each dependent child after the first child).

Why do I get a rebate if I have private health insurance?

Australia’s mixed public-private health system has long been considered one of the best in the world.

Rebates contribute to keeping private health insurance more affordable for many Australians and keeping the industry sustainable by attracting new members with policies that are right for their health care needs and stage-of-life.

Private hospitals and private health insurance also help reduce the pressures on the public system, meaning better accessibility for everyone if more people are able to afford private cover.

How can I reduce the cost of my premium?                     

Private health insurance policy costs can vary significantly depending on your cover level however Bupa is committed to offering policies that suit a wide range of budgets.

We can help you undertake a cover review to make sure you are receiving the appropriate cover for your budget, stage-of-life and healthcare needs.

How can I check if I may be able to save at tax time?

Use our tax calculator to see if you'd pay less tax by having hospital cover.

Where can I access my tax statement?

This financial year (2021-22) customers can access their tax statements directly via their myBupa inbox. Customer tax statements will be available in myBupa by early July.

Customers will also receive a text message notification letting them know that their tax information is available in myBupa.

For more information about tax and rebates, please visit:

Bupa tax calculator and six-minute cover assessment

 Bupa’s Tax Hub

ATO website for more information about the MLS

ATO website for more information about the private health insurance rebate

The latest cashback figure takes the total amount returned to customers since the pandemic started to $618 million.

Bupa Health Insurance Managing Director Chris Carroll said the cashback was part of Bupa’s ongoing commitment to return savings from unused claims and other impacts of COVID-19, which also included deferring premium increases for six months until October 1 this year.

“This latest cashback is the biggest one to date of any private health insurer. It gives money directly to customers at a time when they need it most,” Mr Carroll said

“Australians are facing increasing cost of living pressures, so we know every dollar makes a difference to household budgets. This is not just about doing what we said we’d do but doing it in a way that’s best for customers.

“We’re determined to keep health insurance affordable and that’s why we’re returning COVID-19 related savings where we can.

“Through our COVID-19 customer support package of cashbacks, premium deferrals, financial assistance for impacted customers and other support programs, we’ve returned $618 million to customers since the pandemic started.”

The payments will be available to all domestic Australian resident customers who had private health cover with Bupa for a minimum of three months between 1 July 2021 and 30 June 2022, excluding ambulance only and overseas visitors and students. 

Customers living in New South Wales and Victoria, who were less able to use hospital and ancillary services due to extended COVID-19 restrictions, will receive a higher share of the return.

Mr Carroll said the savings would be returned as a cash payment to eligible customers using the same bank details from the previous cashback. 

“I encourage our customers to ensure their details are up to date so they can receive their cashback as quickly as possible,” he said.

Details can be updated via the Bupa website.

How Bupa has helped during the pandemic

Since the start of the pandemic, Bupa has delivered a range of customer support programs, including:

·       $120 million cash via our first cash giveback program

·       $50 million financial hardship package in the form of premium waivers, policy suspensions and discounts.

·       $146 million through a six-month premium delay for all customers in 2022

·       $134 million through a six-month premium delay for all customers in 2020.

·       $8 million by not passing on the October 2020 premium increase to customers suffering financial hardship.

·       $5 million towards a bonus $200 one-off increase for mental health claims to support more than 2.2 million customers during the pandemic.

With more than half of all private hospital births in Queensland occurring in a Mater maternity hospital, the new partnership will also deliver expanded perinatal mental health services.    

Mater Health Executive Director, Daniele Doyle, said the partnership was an outstanding outcome for patients who would access greater choice in healthcare.

“Bupa is supporting our ambitions to expand the scope and reach of our health services using virtual care technologies,” she said.

“This is vital in a state as large as Queensland, where some patients travel hundreds of kilometres for appointments, procedures, treatments and follow-up.”

Ms Doyle said Mater is leading healthcare innovation in many areas and working with Bupa would enhance choice and outcomes for patients recovering from hip and knee surgery, people managing chronic health conditions, new parents, and the elderly.

“Mater is driven to develop healthcare services that are innovative, integrated and that exceed the expectations of our patients. This partnership will help facilitate Mater to continue to deliver the choice and the high-quality care that Queenslanders deserve” said Ms Doyle.

Bupa Health Insurance Managing Director, Chris Carroll, said the partnership was the result of a hospital group and health insurer working together to put patients first.

“This partnership will prioritise the patient experience without compromising on care quality. We’re very proud to work with Mater to expand healthcare options in Queensland as well as support their in-hospital services.” 

Bupa also recently announced a strategic partnership with Cabrini Health to expand new models of care, including home care options.

Mr Carroll said the Mater and Cabrini partnerships demonstrate what’s possible when hospitals and insurers work collaboratively to address the challenges in the health system, with the end-goal being affordable, high-value private healthcare which supports a strong and sustainable Australian healthcare sector.

• Save money on regular health appointments
  There are generally two types of health insurance cover – Hospital and Extras. For many young people, Extras cover is likely to be the most appealing at this stage of their life. Extras largely covers health care outside of a hospital setting like dental, physio and optical – services most of us use each year. With telehealth making some of these health providers more accessible than ever, Extras cover is becoming even more relevant for both time-poor and digital savvy younger people.
   
• Peace of mind
  The thing about health insurance is, it’s just that – insurance. You never know what’s around the corner, and when you might need it. For many people, the peace of mind is reason enough to be insured, just as you would be with your car or your home.
   
• Skip the queue
  Having private health insurance can help you avoid public hospital waiting lists for elective surgery, rehab and physio.
   
• Mental health support
  The COVID-19 pandemic has brought mental health into the spotlight, but thankfully there is more support available than ever before. For the one in five Australians who experience mental health issues, private health may provide cover for things like drug and alcohol programs, psychology, counselling, mental health hospital treatment and online mental heath programs. Bupa also provides cover that pays benefits for some mental health-focussed online courses and programs for new parents.
   
• Help your hip pocket
  If you wait until later in life to take up a hospital policy, you could be hit with Lifetime Health Cover Loading which adds 2 per cent to the cost of your policy for every year you were without hospital cover after your 31^st birthday. The 2 per cent each year can accumulate all the way up to 70 per cent and stay in place for ten consecutive years once you take out a hospital cover. So, taking out the hospital cover before you turn 31 could save you money in the long run. Plus, Bupa provides people aged 18-29 who sign up for their own hospital policy an age-based discount.

Still not sure if you need private health insurance? While you may not think you need it now, you could look at having private health insurance as like having a contingency plan in case life takes a turn and your circumstances change.

Our individual health situations are all different, and will change over the course of our lives, so it’s good to know that you can choose a cover that best meets your needs at any given time. Now, while you’re still young, you might want to make sure you’re covered for things like sports-related injuries but remove things like pregnancy with the option to upgrade your policy a little later in life.

If you do decide to take out private health cover, you can be confident it will provide you with more choice, peace of mind and access to affordable services.

This is your stress response kicking into gear, preparing you to effectively manage an event you perceive as stressful. This is something we can all relate to on some level, particularly over the past year with COVID-19 interrupting our normal routines.

How do we experience stress?

We experience stress in many ways, with everyone having their own unique experiences relating to our thoughts (eg "I'm overwhelmed"), our emotions (eg feeling irritable, afraid, or worried), and our behaviours (eg withdrawing from people or feeling unfocused or indecisive).

How can stress affect our oral health?

Another common symptom of stress can include teeth grinding or jaw clenching, something you may be doing unknowingly.

While teeth grinding and jaw clenching doesn't always result in tell-tale symptoms, some people do experience facial pain, headaches and stiffness in the jaw joint. Over time, grinding and jaw clenching can wear our teeth down, leading to sensitivity and even tooth loss.

What can you do?

If your teeth are feeling worn or sensitive, your jaw, face or ear is painful, or if your partner says you make a grinding sound in your sleep it is a good idea to make an appointment with your dentist. They will check your teeth and jaw and may recommend a custom occlusal splint that can help to reduce the sensation of clenching or grinding your teeth and helps to reduce pain and prevent tooth wear, as well as protecting against further damage.

If you suspect your teeth grinding or jaw clenching is related to stress it’s also vital you seek support from your GP, counselling support service or friends and family who can recommend strategies to reduce stress.

To find a Bupa dentist near you visit here.

“While these regulations have been in place for many years, we know many Australians are still confused about how the Medicare Levy Surcharge and the Lifetime Health Cover loading work, and whether either or both might affect them and their families in the short and long term.

“For this reason, it’s important to seek expert advice to understand the effect a policy can have on your finances,” Ms Amos said.

While all health insurance policies are different, most private hospital cover policies help customers avoid hospital waiting periods for elective treatments and give them flexibility to choose their own doctor and place of treatment for procedures included on their policies.

“Rather than just focusing on cost or tax, customers can look for policies that provide them with appropriate cover and peace of mind for their individual circumstances,” Ms Amos said.

To cut through the complexities, Bupa has provided its top 5 tips for maximising value before 1 July.

1. What is the Medicare Levy Surcharge?

The Medicare Levy Surcharge is an additional tax placed on people without private hospital cover who earn more than $90,000 or couples and families earning more than $180,000. Depending on your income over a full financial year, the surcharge can be 1%, 1.25% or 1.5%.

What you can do

For higher income earners, the choice is to either spend money on added tax or on private health insurance. While the costs aren’t exactly the same, holding a policy may give you better value for your money through the added benefit of being able to access the private system should the need arise.

Before 1 July, it’s also a good idea to check if your income has changed over the past year. If so, speak to your insurer to check if it matches the level quoted on your policy. If your income has dropped, you may not to be getting the most out of the government rebate on your policy.

2. What if I earn less than $90,000?

You may not be liable for the Medicare Levy Surcharge but there are still significant health and wellbeing benefits to holding a private health insurance policy. This includes avoiding waiting periods on hospital procedures and minimising out of pocket costs for visits to dentists, physiotherapists and many other medical specialists.

What you can do

Don’t just take out private health to avoid on tax. Instead, look for a policy that will provide you and your family with appropriate cover for your life-stage and circumstances.

3. What is Lifetime Health Cover Loading?

Lifetime Health Cover loading is a 2% loading payable on top of your premium for every year you are aged over 31 and do not hold private health insurance. A further 2% is added to your premium for every year you’re uninsured thereafter, up to a maximum of a 70% Lifetime Health Cover loading. The Lifetime Health Cover loading is then paid every year you hold your hospital insurance premium for ten years. Once you have paid LHC loading for 10 years of continuous cover, you will no longer have to pay this loading.

What you can do

If you don’t have private health insurance and will be 31 on or before 30 June, it may be a good time to start thinking about taking out your first policy. Doing so will minimise any loading on your hospital insurance premium if you take a health insurance policy out later in life.

4. What happens if I drop my hospital cover?

The Australian Government recognises that there may be times when you need to drop your Hospital cover (for example, if you are travelling overseas for extended periods of time or are unemployed). Accordingly, you can drop your Hospital cover for up to 1,094 days in total throughout your lifetime without incurring the Lifetime Health Cover loading when you take out Hospital cover again. These are known as ‘permitted days without hospital cover’^[1].

Additionally, you could be liable for the Medicare Levy Surcharge for any periods of cancelation or suspension.

What you can do

Before making the decision to cancel or suspend your cover, speak with your health insurer to understand the financial and waiting period implications of cancelling or suspending your cover. There may be another solution available to you.

5. How can I reduce my costs while still holding onto a policy?

Private health insurance policy costs can vary significantly depending on your cover level however Bupa is committed to offering policies that suit a wide range of budgets.

What you can do

If you are struggling with affordability, you should undertake a cover review with your insurer to make sure you are receiving the appropriate cover for your budget, stage-of-life and healthcare needs.

^[1] Permitted days without Hospital cover are only available if you have held Hospital cover on or after your LHC base day and have been assigned a Lifetime Health Cover Age. Permitted days without Hospital cover do not count towards your days with continuous cover. There are certain days that we won’t count towards your 1,094 days, including when you suspended your membership in accordance with fund rule or you are overseas for a continuous period of more than one year and have not returned to Australia for a period of more than 90 days.

Media reference number: 20/076