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Bupa admission and finance process

Admission Agreement

The legal document you sign before joining a Bupa community. This includes contact details, what Bupa commits to providing, your responsibilities as a resident, and a breakdown of the daily charges (paid monthly) relating to the accommodation and care you’ll receive.

Capital Guardians

Bupa’s partner organisation where you pay for any additional services used each month via a Direct Debit from your Capital Guardians account.

Direct Debit

A monthly payment processed by
Bupa based on the invoice/statement provided to you.
To note, the total amount of each payment will vary
depending on the number of days in the month and if
there have been any changes in your accommodation,
care charges or subsidies.

Maximum Contribution

The maximum amount (incl. GST) that any resident assessed as needing care will be required to pay for care home charges until a subsidy is granted. Set by Te Whatu Ora – Health NZ, this is reviewed annually and varies depending on your region. Note: the Maximum Contribution rate is the same amount as the rest home level care rate.

Levels of care

Most common are rest home, dementia and hospital-level care, as assessed by your Needs Assessor.

Residential Care Subsidy (RCS)

A government subsidy to help with the cost of your long-term care, based on an eligibility criteria. This might be a full or partial subsidy. The subsidy portion is paid directly to Bupa.

Bupa accommodation, care and additional services

Additional services

Services such as hairdressers and dentists that are available in your Bupa community. Organised by Bupa, they carry an additional charge which is paid monthly by you via Direct Debit from your Capital Guardians account.

Bupa accommodation and care charges

Your daily Premium Accommodation charge, as well as care charges based on your needs assessment (such as rest home, dementia, or hospital level care).

Bupa dementia level care

Bupa is committed to shaping New Zealand’s dementia care and ensuring that people living with dementia lead happier lives, for as long as possible.

Bupa hospital level care

Designed for residents who require 24/7 personal care, such as help with dressing, showering and eating, as well as medication and pain management.

Bupa rest home level care

Care for older people who can manage some daily tasks and would find it difficult to live safely in their own homes.

Premium Room

These rooms may be larger, have ensuite facilities, views, garden access or an additional premium feature, depending on the Bupa care home. They incur a Premium Accommodation charge in addition to the Maximum Contribution or any subsidised charges.

Standard Room

These depend on your Bupa care home, however typically they have a single bed and items of furniture such as an armchair, small desk, and a television.

Government bodies

Manatū Hauora/the Ministry of Health

The Ministry responsible for setting health policy, strategy and regulation.

Te Whatu Ora – Health NZ

A public health authority responsible for the planning and commissioning of health services as well as the functions of the 20 former district health boards (DHBs).

Work & Income NZ (WINZ)

The organisation responsible for setting the eligibility criteria for subsidies and assessing residents. WINZ is also responsible for paying for Superannuation.

ACC - as it relates to aged care

ACC may provide funding support if you have sustained a physical injury, are unable to live independently, and need to move to a care home (for either short-term or long-term stay).

Serviced Apartments


Weekly apartment cleaning (up to one hour per week)

Laundry services

Weekly laundry service for towels and bed linen (residents must supply their own towels and linen)

Meal service

Includes a lunchtime main meal, and an evening light meal.

  • Number of meals per week will vary depending on the service package.
  • Light meal is not available at Merrivale Retirement Village.