HOME, CONTENTS AND
LANDLORDS INSURANCE
FOR COVER
INSIDE
AND OUT
10%
FOR
OFF PA
BU TH
L
HEABERS
M
E
M
Insurance issued by CGU Insurance Limited (CGU) ABN 27 004 478 371 AFSL
238291. Any advice contained in this document is general advice only and
does not take into account your individual circumstances.
Bupa Australia Pty Ltd ABN 81 000 057 590 is an authorised representative
of CGU. In arranging this insurance, Bupa acts on behalf of the insurer, CGU
and not on behalf of the insured.
This document is a Home insurance brochure. A separate Financial Services
Guide and Product Disclosure Statement available from bupa.com.au lists
the specific terms, conditions, limits, and exclusions to the Home insurance
product. It is important you read and understand these documents before
purchasing this product.
WE’VE
GOT THE
ROOF OVER
YOUR HEAD
COVERED
Everyone, no matter where they live,
wants to feel secure. That’s why,
whether you’re a home owner or renting
a property, it’s important to make sure
you have a sufficient level of cover.
At Bupa, we’re committed to providing
great value to our members. And
through our partnership with CGU we
can take care of your Home & Contents
Insurance needs. Plus if you own a rental
property, we can cover that as well.
And if you’re a Bupa health member,
you’ll also get a healthy 10% discount
on your premium.
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Why Bupa?
2
Home and Contents Insurance
5
Accidental Damage Cover
7
Listed Events Cover
9
Products at a Glance
10
WHY BUPA?
We want you to live a longer,
healthier, happier life
Bupa is a healthcare leader proudly looking after the
needs of more than three million Australians. We have
been around for over 60 years and we’re part of a global
family whose care and expertise now stretches across
190 countries.
It is our purpose that makes us different. We exist to
help our members live longer, healthier, happier lives.
We are dedicated to helping find a healthier you.
To find out more:
Call us on 134 135
Visit bupa.com.au
Drop by your local Bupa centre
2 2
WE PUT OUR MEMBERS
AT THE HEART OF
EVERYTHING WE DO
The right cover for you
We know each home is different. So whilst health insurance is
at our core, we are committed to offering high-quality cover in
everything that we do, by providing you with access to a range
of options to help meet your current and changing home and
contents needs.
By your side wherever you are
We know the unexpected doesn’t always happen during
business hours. That’s why you have access to a 24-hour
emergency claims assistance hotline. Even better, there is no
need to fill out complicated forms and paperwork, you can
claim over the phone, helping you get back on track faster.
10
%
OFF
Greater value for members
Our members are important to us, and we know your bank
balance is important to you. So, as a valued Bupa health
member, you will receive a 10% discount off your Bupa
home insurance premium every year.
Sometimes the little things
mean a lot
There are lots of things that make your house a home. Our
contents insurance covers you for up to $20,000 for any item,
set or pair, both in and out of the home. Giving you peace of
mind knowing that the little things you use every day such as
your digital camera, laptop, phone, or DVDs are covered.*
*Individual limits and conditions apply. Refer to Product Disclosure Statement (PDS) for full details.
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4
HOME AND
CONTENTS
INSURANCE
Bupa’s Home and Contents Insurance covers more than
just the ‘four walls’ you live in. Because we know the
things in and around your home are important too, we
offer cover that you can depend on for inside and out.
We have a great range of Bupa home and contents
insurance options that can be tailored to suit
your needs.
You can choose between building only, contents
only or both. You can also select levels of insurance
ranging from Accidental Damage cover, Listed Events
or Fundamentals.
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6
ACCIDENTAL
DAMAGE COVER
Our highest level of home insurance covers your home
for events such as fire, theft, burglary, storm and
water damage, plus accidental damage or loss, with
benefits including:
°° contents cover for up to $20,000 per item, pair or set*
°° cover for permanent fixtures built on your property,
including garages, swimming pools, sheds, decking
and spas
°° cover for replacement keys and repairs to locks
°° cover for accidental loss or damage to valuables
such as jewellery, watches or mobile phones inside
or outside your home.
*Terms, conditions, limits and exclusions apply.
For full details please refer to the PDS.
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8
LISTED
EVENTS COVER
This cover provides you with comprehensive cover for
events such as fire, theft, burglary, storm and water
damage, with benefits including:
°° contents cover for up to $20,000 per item, pair or set*
°° cover for permanent fixtures built on your property,
including garages, swimming pools, sheds, decking
and spas
°° cover up to $1,000 for replacement keys and repairs
to locks
°° cover for new-for-old replacement.
We also offer a basic level of cover known as
Fundamentals. To see how all three types of cover
stack up, check the table on page 10.
*Terms, conditions, limits and exclusions apply.
For full details please refer to the PDS.
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PRODUCTS
AT A GLANCE
HOME AND CONTENTS INSURANCE
Features*
Accidental damage or accidental loss
Alternative accommodation
Paid in addition to the sum insured
Architects, surveyors and legal fees
Paid in addition to the sum insured
Burning out of an electric motor
for motors up to 15 years old
CDs, DVDs, BluRay® Discs
and Software
Up to $20,000 per item or boxed set
unless specified
Contents at home in the open air
Credit Card and transaction
card misuse
Accidental
Damage
Listed
Events
Fundamentals


✗

✗

Up to 10%
of sum insured

Up to 10%
of sum insured

Up to 10%
of sum insured

Up to 10%
of sum insured
Up to 10%
of sum insured
Up to 10%
of sum insured


✗




Up to $2,000 for
the events listed
Up to $1000 for
the events listed



$5,000
$5,000
$1,000
Up to $20,000 per item unless specified



Loss of frozen food after break down

No limit

Up to $500
✗



Fine art, paintings and works of art
New-for-old replacement cover
(Contents)
Removal of debris and
demolishing costs
Paid in addition to the sum insured
Replacing keys and repairs to and
recoding of locks and barrels
Valuable items
jewellery, laptops, mobile phones, cameras
& photographic equipment, MP3 players, etc.
Optional additional Valuables Cover
Worldwide cover for up to 90
consecutive days
Vet expenses if your pet is injured
in a road accident

Up to 10%
of sum insured


Up to 10%
of sum insured


Up to 10%
of sum insured

No limit
Up to $1,000
Up to $1,000
20% of sum insured
or $7,500 whichever
is greater (up to
$2,500 per item).
20% of sum insured
or $5,000 whichever
is greater (up to
$2,500 per item).
$2,000 in total
(up to $1,000
per item).


✗

✗

Up to $500
10
Up to $500
LANDLORDS RESIDENTIAL INSURANCE
Features*
Accidental breakage of fixed glass, basins, sinks, baths and toilets
included in loss or damage by a tenant or their visitors


Architects, surveyors and legal fees
Paid in addition to the sum insured
Up to 10% of sum insured
Burning out of an electric motor
for motors up to 15 years old and no bigger than 3.7kW

Deliberate or intentional acts, vandalism or a malicious acts

Optional Liability

Optional Loss of Rent cover

Optional Rent Default cover

Optional Theft by Tenant cover


$5 million, $10 million, $15 million or $20 million
If your building is uninhabitable, up to 12 months, up to the sum insured chosen
Up to $5,000 less any excess or bond money
Removal of debris and demolishing costs
Paid in addition to the sum insured
Up to 10% of sum insured

Water or liquid damage
*Terms, conditions, limits and exclusions apply. For full details please refer to the PDS.
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12
13
FOR MORE INFORMATION
134 135
bupa.com.au
Visit your local Bupa centre
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Mailing details:
Bupa
PO Box 14639
MELBOURNE VIC 8001
Bupa Australia Pty Ltd
ABN 81 000 057 590
10545-08-14S
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