Impact for Bupa patients


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

The length of the period varies depending on the type of treatment administered. This table shows when costs will be applied for each treatment type.

There are no additional out-of-pocket costs if you...

are admitted for emergency...

on or before 1 November 2022

are admitted for rehabilitation or mental health...

on or before 1 February 2023

are admitted for obstetrics or neonatal...

on or before 1 May 2023

are admitted for oncology or renal...

on or before 1 August 2023

are admitted for any other courses of treatment that started before 2 August 2022… on or before 1 August 2023
pre-book before 2 August 2022 for other treatments (including elective surgery) for admission…  on or before 1 February 2023
pre-book after 2 August 2022 for other treatments (including elective surgery) for admission… on or before 1 October 2022

If, by the end of that period, Bupa has not increased its indexation rate, there will be additional out-of-pocket costs for Bupa patients. We will advise more about these costs once we receive the relevant information from Bupa.

Patients with health funds other than Bupa

The additional out-of-pocket costs will only apply to Bupa patients. If you have any other health fund, your costs will remain the same.

Changing health funds

If you’re currently with Bupa but would like to change health funds, there are portability rules in the Ombudsman’s Right to Change brochure, which exempt you from having to re-serve the normal waiting periods before you can access benefits. However, you may need to service waiting periods if your new cover has extra benefits or better conditions.

For more information, see the Right to Change brochure here.

Learn more about protecting your cover


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



Frequently Asked Questions

Bupa offered Ramsay a rate of indexation that is below inflation and will not address Ramsay’s hospital cost increases. The costs are particularly high due to the extra measures private hospitals had to take to protect staff and patients through the COVID-19 pandemic. These measures include increasing PPE equipment, cleaning protocols and infection prevention training for staff.

Since Bupa’s indexation rate is too low to address Ramsay’s increased costs, Bupa’s patients will be required to cover the difference as an additional out-of-pocket cost.

No, Ramsay Health Care has agreements with every other private health insurer.

These costs are not unique to Bupa patients, but all other private health insurers have agreed on an appropriate indexation rate with Ramsay.

Only Bupa patients will need to pay the additional out-of-pocket costs.

By paying your health insurance premium you may expect your health fund to cover your hospital costs (apart from your excess). Unfortunately, with Bupa not paying for the increased cost of care, Bupa patients will be required to pay additional out-of-pocket costs after the transition dates in the table above.

Once Bupa provides us with the information, we can notify our patients how much these additional out-of-pocket costs will be.