Information for Mental Health Patients


Bupa and Ramsay have not been able to reach agreement on a new contract, which may impact Bupa insured-members accessing a Ramsay facility.


How are Bupa-insured mental health patients impacted?

    • Admissions prior to and including 1 February 2023: there is no impact. Ramsay will absorb the gap between its increased costs of care and the benefits paid by Bupa.

    • Admissions from 2 February 2023: additional out-of-pocket costs will apply, unless benefits paid by Bupa increase to cover Ramsay’s increased costs of care.

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 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:

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

Why have Ramsay and Bupa not reached agreement?

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 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.

More information is available via:


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