Information for Doctors


Bupa and Ramsay have not been able to reach agreement on a new contract. The existing agreement will terminate on 2 August 2022.


How are your Bupa-insured patients impacted if accessing a Ramsay facility?

Ramsay will absorb the gap between its increased costs of delivering care and the benefits paid by Bupa for a short time.

Unless benefits paid by Bupa increase to cover Ramsay’s increased costs of delivering care, additional out-of-pocket costs will apply according to the dates below:

Treatment Type (irrespective of when booked)

No additional out-of-pocket if patients are admitted:


On or before 1 November 2022

Rehabilitation and mental health

On or before 1 February 2023

Obstetrics and neonatal

On or before 1 May 2023

Oncology and renal

On or before 1 August 2023

 Other courses of treatment that started before 2 August 2022 On or before 1 August 2023 

Other Treatments (including elective surgery)

No additional out-of-pocket costs if you are admitted:

Pre-booked after 2 August 2022

On or before 1 October 2022

Pre-booked before 2 August 2022

On or before 1 February 2023

Does this additional out-of-pocket cost apply to all health funds?

No. Ramsay has agreements with all other private health funds in Australia, where this additional out-of-pocket cost won’t apply.

If your patients are considering changing health funds, the Ombudsman’s Right to Change brochure explains ‘portability’ rules, which means consumers changing funds won’t have to re-serve the normal waiting periods again before benefits can be paid.* The Right to Change brochure is available here:

*Consumers may have to serve waiting periods for any extra benefits or better conditions under the new cover.

More information is available via:


Phone: 1800 MY HEALTH (1800 694 325) Monday to Friday from 9am to 5pm



Frequently Asked Questions

Like all businesses, private hospitals face increasing wage and supply costs each year. In order for hospitals to remain sustainable and to continue to provide high quality care to our patients, we negotiate with insurers an annual rate of indexation to pay for these increases.

Private hospitals have faced enormous challenges through Covid protecting our patients and staff, providing appropriate PPE, increasing our cleaning, and ensuring additional infection prevention training for our staff and doctors. This has come at a significant extra cost.

Unfortunately, Bupa’s offered rate of indexation (which is well below inflation) does not address these cost increases and will require Bupa patients to pay the shortfall as an additional out-of-pocket cost.

We look forward to Bupa working with us toward a fair and sustainable agreement that removes the need for this additional out-of-pocket cost.

These challenges are not unique to Bupa patients and Ramsay’s negotiations with other health insurers have been successfully collaborative and we have reached agreement with these insurers in recent negotiations.

Providing ongoing high quality care and excellent outcomes for our patients and health fund members is our top priority and we will continue to work with health insurers to ensure this can continue. Thank you for your support.

No. These arrangements will not affect members of any other health fund.

In paying health fund premiums, customers have a right to expect their health fund covers their hospital costs. Unfortunately, Bupa’s decision not to pay the price escalation means we will need to charge an out-of-pocket cost to Bupa members following the transition dates in the tables above. We will advise these out-of-pocket costs once we have received the relevant information from Bupa.