Bupa is one of Australia’s largest health insurers with more than 4 million members. Part of the international Bupa Group founded in 1947, they also provide healthcare to the Australian Defence Force and aged care across 72 homes.
It offers six hospital plans and seven extras plans, with varying levels of coverage and rebates. Bupa has a large network of Members First medical, dental and other providers where members can claim a rebate of up to 100%.
Bupa also offers members a loyalty program – Bupa Plus. You can save on a range of entertainment, health and fitness services as well as enter member-only competitions.
Nobody chooses to go to hospital. But when you do, appropriate hospital cover will help you get the treatment you need, where and when you want it. It also helps to pay the bills, as fees for hospital rooms and specialists can add up.
Think about what services you’re likely to need, in line with your budget. If you earn over $90,000, you could avoid paying the Medicare Levy Surcharge.
Bupa offers six policies, including three budget policies, through to a Gold plan that covers pregnancy and birthing. There’s also two mid-level Silver Plus plans.
All Bupa hospital plans come with ambulance cover and access to the Bupa Plus loyalty program.
Bupa’s no-frills budget cover for accidents is typically taken out by people looking to avoid the Medicare Levy Surcharge.
A basic entry level plan that covers accidents and many common hospital services. Covers many common procedures that younger Australians may require.
A more comprehensive budget plan that covers accidents and a wide range common hospital services for a range of Australians. Comes with the option to choose your excess.
A medium level of cover for people who want a high excess to keep costs down. There’s no excess for kids when they’re admitted to hospital, making this a policy suitable for families.
Higher-lever cover for a broad range of procedures. Cover includes cataracts, hearing devices and joint replacements, so this policy may be suitable for seniors.
Top level hospital cover that’s Bupa’s most expensive policy. Includes pregnancy and birth, and assisted reproductive services.
All hospital plans include emergency ambulance to hospital – one trip for singles and two for couples/families, per calendar year.
From dental, to optical, to chiro and more, extras insurance helps cover the bills for routine treatments with rebates of up to 100%. Simply work out what you need and what you’re prepared to pay.
Bupa has seven extras plans to choose from. There’s budget cover for the bare essentials, through to a comprehensive plan, including unlimited preventative dental and rebates of up to 100%.
Only covers the basics of general dental, physio, chiro and osteo and comes with a limit of $500 per person, per year across all extras.
Budget option that allows you to claim 60% back on common out-of-hospital items such as general dental, optical, physio, chiro, osteo, and remedial massage
An alternative 60% back budget option that has a limit of $700 per year per person on general dental, physio, chiro and osteo, to a limit of $700, plus $150 back on optical and $100 back on remedial massage per person.
Flexible package that allows you to claim up to 60% from your choice of four Bupa Members First providers, across dental, physio, chiro, optical, orthodontics and more. Yearly limits increase the longer you stay with the policy.
One of Bupa’s most comprehensive extras packages. Covers all available Bupa extras and gives you between 60% – 66% back depending on how long you’ve held the policy.
This package is similar to Bupa’s Top Extras 60, but allows you to claim between 75%-82.5% back on treatments depending on how long you’ve held the policy. Has no annual limit on general dental.
Bupa’s most expensive extras package provides the highest level of cover with 90%-100% back on most Members First extras, along with the highest annual limits of all extras packages
To stop people signing up, claiming, then cancelling their health insurance, all insurers apply waiting periods. Generally, the more expensive the treatment, the longer you’ll wait. But keep an eye out for special deals with waiting periods reduced or waived.
As well as a wide range of hospital and extra covers, Bupa gives members access to Bupa Plus, a loyalty program with discounts and offers from over 40 partners. Save on entertainment, nutrition, fitness and travel, and enter regular competitions.
Claim on the spot through the HICAPS payment system at your provider, or through the myBupa online hub. You can also send your claim form by post.
Bupa has agreements with most private hospitals and day clinics across Australia, including their Members First facilities. You can see the full range of Bupa hospitals in this PDF. When comparing policies, it’s worth checking if your local hospitals and clinics are covered.
Bupa received 164 complaints from 1 April to 30 June 2020. That’s 22.1% of complaints vs 25.8% market share.
You’ll need to be an Australian resident with a Medicare card and over 17.
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