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Get Bupa Health Insurance. Get a quick quote
Health Insurance

Get family cover that keeps on giving you more.

Choose from our three affordable packages.

Are you adding to the family?

Start here
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Get our
Growing Family Cover

from $ ** per week
Quick quote> or request a call back

**For families with an adjusted taxable income of $180,000 p.a. or less, with a 26.791% rebate in NSW. Assumes no LHC loading. Includes $500 excess.

Are your kids growing up?

Start here
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Get our
Budget Family Cover

from $ * per week
Quick quote> or request a call back

Are your kids growing up?

Start here
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Get our
Established Family Cover

from $ ^ per week
Quick quote> or request a call back

** * ^For families with an adjusted taxable income of $180,000 p.a. or less, with a 26.791% rebate in NSW. Assumes no LHC loading. Includes $500 excess.

Are your kids growing up?

Start here
{{icon}}

Get our
Budget Family Cover

from $ * per week

Get our Established
Family Cover

from $ ^ per week

*^For families with an adjusted taxable income of $180,000 p.a. or less, with a 26.791% rebate in NSW. Assumes no LHC loading. Includes $500 excess.

Not looking for family cover? Find your best matching cover here>

Care that comes to you.
Common medications provided
on the spot, after hours, by a doctor,
at no charge to you.

We recently teamed up with the National Home Doctor Service to provide our members with access to After Hours Plus. So when you book a bulk-billed home visit, the doctor can prescribe common medications, provided on the spot, at no charge to you.

Learn more>

 

Your family’s guide to health.

  • (Lightbulb) | Top tips for choosing health cover
    ×

    Five steps to finding the right cover for your needs

    Choosing health cover for the first time can be confusing and overwhelming. Since confused and overwhelmed are two things you definitely don’t want to be when making an important decision, we’ve broken the path to choosing the right health cover for you up into the five main things we suggest you consider carefully before making your decision. Taking the time to get this right now can save you a stack of time, money and potential hassle in the future. So, let’s get started.

    1. Know your options.

      Not all health insurance is created equal. But they generally cover at least one of these three things: hospital, extras, and ambulance. Hospital cover contributes towards the cost of treatment as a private patient in either a private or public hospital – including doctor’s fees and accommodation costs. Extras or ancillary cover helps cover some of the costs of everyday health services that may not be covered by Medicare, like dental, physio and optical. Ambulance cover can range from emergency only cover, to more comprehensive policies that cover you for non-emergency situations.

      Health cover packages come in all different shapes and sizes, and some have been designed to suit specific needs and life stages. For example, Bupa’s range of packages are designed around the key services you are most likely to require at each life stage, so you don’t have to pay for things you think you might not need.

    2. Think about what you’ll need.

      Make a list of all the things you’re likely to need in the foreseeable future. Are you planning on starting a family? How active are you? Answering questions like these will help steer you towards the right cover for your needs and may help save you money. Don’t forget to think about the extra services you already use too. This is a great way to get the best value from your cover.

    3. How to compare hospital cover.

      There are some basics to look out for when comparing hospital covers. First, look at what’s not covered and get to know the terms ‘minimum benefit’ and ‘restricted service’. If you see these words, it means that you’ll only be partly covered and will be likely to have large out of pocket expenses should you need to be admitted to a private hospital.

      Next, see if the cover option has an excess or co-payment. These options can help reduce your premiums. If your policy has an excess, this means you’ll pay the amount upfront if you are admitted to a hospital. A co-payment is an amount you agree to pay each day towards your hospital stay. Be sure to factor all this in when you’re making your choice.

      Bupa has created a shortcut to help make comparing our covers easier. Simply visit Bupa.com.au and use our ‘Compare health covers’ feature.

    4. How to compare extras cover.

      The main things to look at when comparing Extras covers are the percentage or amount you’ll get back for a particular treatment, and the limit of what you can claim each year (or in some cases, over a lifetime). Most Extras covers cap the amount you can claim per year on each service like ‘general dental’, ‘optical’ or ‘physio’. Other products will have a combined yearly limit that groups several services together and lets you claim up to a set amount. For example, if physio, osteo, chiro and natural therapies are all grouped together, it means that these services share an overall yearly limit. The more services that are bundled together, the more limiting it can be. It’ll take a bit of number crunching, but you’ll soon figure out what’s the right value for you.

    5. Comparing health insurers

      Some health insurers have arrangements with hospitals and healthcare providers to help supply better value. A good example of this is Bupa’s Members First network of dentists, physiotherapists, chiropractors and optical outlets across Australia. By using a provider in this network, members can receive additional value and between 60% and 100% of the cost back. It could really pay to choose a health insurer with an extensive network behind them.

      It’s also worth doing your research and finding out whether your health insurer provides additional support to help keep you healthy every day, instead of just looking after you when you’re sick or injured. For instance, Bupa members have access to coaching through the Bupa Health Dialog service, and new parents can find the extra help they might need through the Parent and Baby Wellbeing Program. To Bupa, it’s all a part of the service.

    So there you go. We hope that gives you enough information to help make your decision a bit easier. If you need any more tips or advice, talk to a Bupa consultant on 134 135 today.

  • (Umbrella) | How to make the most of your cover
    ×

    Making the most of your health insurance

    Private health insurance gives you peace of mind that you’ll have access to private health care when the unexpected occurs. But private health insurance isn’t just for emergencies – in fact, it can offer value in your everyday life.

    Here are seven ways that you can make the most of your health cover:

    1. Use your extras

      It sounds like a no-brainer, but using your extras cover can be a simple way of getting greater value from your health insurance. Most extras covers allow you to claim money back on check-ups at the dentist, visits to the physio or contribute to the costs of new glasses. Some even cover natural therapies such as remedial massage. Check what’s included in your cover before your next visit.

    2. Unexpected benefits

      Some health insurers allow you to claim on health-related programs such as Pilates classes and gym memberships. For instance, selected Bupa packages and Extras covers include a Living Well benefit to cover some of the costs for health–related programs if they are recommended to you by your doctor. So be sure to review all the benefits your health cover provides.

    3. Mind the gap

      A “gap” is a common private health insurance term which describes the amount you need to pay over and above what you get back from Medicare and your insurer. In order to reduce gap costs, some health insurers have arrangements with specialists and surgeons that can eliminate or reduce medical costs associated with hospital treatment. To find out if you will need to pay a gap, be sure to ask your doctor if they participate in your fund’s Medical Gap Scheme.

    4. Start networking

      Some insurers have made arrangements with a network of healthcare providers to supply better value services. By choosing to visit one of these network providers, members can benefit from the certainty of knowing how much money they will get back in most instances. A good example of this is Bupa’s Members First network of dentists, physios and chiros across Australia. By using a provider in this network, members can receive additional value and between 60% and 100% of the cost back up to your yearly limits5. So it could really pay to choose a healthcare provider network5.

    5. Gap free for kids

      Regular visits to the dentist or optometrist may not excite the kids. But what is exciting is cover that includes gap free for kids up to your yearly limits, at Members First providers2 – which can save parents a lot of money. Some policies even have no excess payment if your kids are admitted to hospital.1

    6. Ask the experts

      When you suspect a hospital visit may be in you or your family’s future, getting advice from your health insurer could save you time and money. They can walk you through what to expect and help you understand the costs involved.

    7. Member-only discounts and benefits

      Like getting a deal? Who doesn’t! Some health insurers offer access to exclusive offers and discounts once you are a member. So next time you’re shopping for vitamins or heading to the movies, check out the discounts available through your health insurer.

    If you would like more help with understanding the benefits of your current health cover, talk to a Bupa consultant today on 134 135.

  • (Magnifying glass) | Is your cover still right for you?
    ×

    10 questions you should be asking about your current cover

    If the last time you assessed your health cover was five years ago, there’s a chance it may no longer suit your needs. Just as you get regular health check-ups, it also makes sense to review your policy annually to make sure you’re covered for the things you need and aren’t paying for things you don’t. Reviewing your cover could save you money now, and more importantly, down the track by ensuring you’re covered for the things you’re most likely to need.

    So here are our top 10 questions to ask yourself:

    1. Does my cover suit my life stage?

      A good place to start is by considering the services you’re likely to need for your stage of life. Think about the things you currently use, as well as what you’re likely to need in the next 2-3 years. For example, if you’re looking to start a family, now might be the right time to add cover for pregnancy as it generally has a 12-month waiting period.

      If your main objective when purchasing health cover was to take out the cheapest policy to avoid paying the Lifetime Health Cover Loading and/or to avoid paying the Medicare Levy Surcharge, then think about whether this cover is really right for you. You might find that by upgrading your cover for just a few dollars extra a week, you’ll be able to claim on more services and actually get better value from your cover.

    2. What am I actually covered for again?

      Many people assume that they’re covered for a wide range of services only to find out too late that their cover is not as comprehensive as they originally thought. It might be time to dig out your health cover documents and check what you are covered for. Look for the terms ‘minimum benefit’ and ‘restricted service’. If you see these words, it means you’ll only be partly covered and will be likely to have large out of pocket expenses should you require a private hospital stay. You’d rather find this out before you need to use your hospital cover.

    3. How much can I claim back on extras?

      The amount you can claim per visit and in a year (or a lifetime in some cases) will differ from cover to cover. Do you know what percentage you get back on services? Does your cover bundle a range of services into a combined yearly limit? The more services that are bundled together, the more limiting it can be. You should also check if the limits are applied per person or per family. These things can all greatly affect the value you get from your cover.

    4. Will I have access to a private room in hospital?

      If a private room in a hospital is important to you, make sure it’s covered – as this is not an automatic inclusion in all policies. Bupa has a ‘private room or money back’ offer at Members First hospitals – plus other benefits to help make your stay more comfortable like a daily newspaper, local phone calls and free-to-air TV at no extra cost.

    5. Could I reduce my premium without reducing my cover?

      Some policies come with the option of reducing your premium via an excess or co-payment. With the excess, you’ll pay the amount upfront if you’re admitted to hospital. A co-payment is an amount you agree to pay each day towards your hospital stay. There can be advantages to doing it either way.

    6. Does my insurer have a provider network?

      Some health insurers have arrangements with healthcare providers to help offer better value. A good example of this is Bupa’s Members First network of dentists, physiotherapists, chiropractors and optical outlets across Australia. By using a provider in this network, members can receive additional value and between 60% and 100% of the cost back. It could really pay to choose a health insurer with an extensive network behind them.

    7. Does my insurer have agreements with private hospitals?

      Some health insurers have agreements with hospitals around Australia to provide members with certainty about the hospital costs associated with treatment. Bupa members for instance are covered for 100% of the accommodation, theatre and medical costs associated with inpatient treatment at Members First day facilities.

    8. What benefits are available for kids?

      Some covers offer benefits specifically for kids, which can make a big difference to the cost of a hospital stay or a visit to the dentist or optometrist. Bupa’s range of family packages don’t have an excess if any one of your kids is admitted to hospital. Bupa also offers gap free on most general dental and physio services at our Members First providers for kids up until the age of 25 – which can end up saving parents a lot of money. And there’s also selected gap free optical packages for the entire family when you visit a Members First provider and optical partners.

    9. Am I covered for an emergency ambulance trip to hospital?

      While more comprehensive policies often include ambulance cover, some basic hospital cover products exclude it. This could mean you need to take out additional ambulance cover, or face a hefty fee should you need an ambulance one day.

    10. Does my health insurer offer support programs and other benefits?

      Some insurers offer additional support to keep you healthy every day – like Bupa’s member support programs. Some health insurers offer access to exclusive offers and discounts once you are a member. So next time you’re shopping for vitamins or heading to the movies, check out the discounts available through your health insurer.

    If you thinking of changing your cover or moving to another insurer, the good news is that you won’t have to re-serve waiting periods if you switch to an equivalent or lower level of cover. If you would like more help with reviewing your cover, talk to a Bupa consultant on 134 135.


 

Adding to the family?

Whether you're planning your first addition to the family or adding siblings, our Growing Family hospital and extras package is a great option. You’ll be covered for pregnancy, from birthing classes through to your big day in hospital, with cover for a private room and breastfeeding support services. And we'll be there as your kids grow, with extras cover that goes the extra mile including orthodontics.

Quick quote>
Before you can claim on Pregnancy related services, a 12 month waiting period applies.
We suggest
Growing Family
from $ ** per week
Quick quote>

**For families with an adjusted taxable income of $180,000 p.a. or less, with a 26.791% rebate in NSW. Assumes no LHC loading. Includes $500 excess.

  • {{icon}} Private room cover plus
    extra benefits at Members First hospitals

    Extra benefits at Members First hospitals including

    Private Room when you book at least 24 hours before your overnight admission, or $50 back per night if the room is not available.

    Maternity Support:

    • Childbirth and parenting education
    • Breastfeeding classes
    • Post Natal support, advice and education for mothers, babies, and families up to eight weeks from hospital discharge.
    • 24 hour post natal support phone line.
  • {{icon}} Antenatal and
    postnatal services including parenting education
    and breastfeeding classes10
  • {{icon}} Benefits towards
    yoga and Pilates when prescribed by a doctor or
    recognised provider as part of a
    health management plan
  • {{icon}} Gap free cover for most
    kids dental and physio up to your yearly limits at
    Members First providers2

    What is Members First?

    It’s Bupa’s comprehensive health provider network, including thousands of dentists, physiotherapists, chiropractors and optical outlets across Australia.

    By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

  • {{icon}} Gap free cover for selected
    optical packages for the
    entire family up to your yearly limits at
    Members First providers3

    What is Members First?

    It’s Bupa’s comprehensive health provider network, including thousands of dentists, physiotherapists, chiropractors and optical outlets across Australia.

    By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

  • {{icon}} No hospital excess
    for kids until they’re 251
Find Bupa Members First Providers >
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Introducing Bupa Beginnings

Bupa Beginnings is an easy-to-use online tool that helps prospective and new parents understand their healthcare options. From hospital costs to birthing options, everything’s explained in clear terms – and you can even get an estimate of your out of pocket expenses, depending on the type of care you choose.

Visit Bupa Beginnings> Watch introduction>
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Kids growing up?

If you're not planning on having more kids, our Budget and Established Family hospital and extras packages offer a range of useful features designed specifically for families. You’ll get great value with benefits like gap free cover for kids dental and physio up to your yearly limits, at Members First providers2, and no excess if they are admitted to hospital1. You’ll also have peace of mind knowing you’re covered for a wide range of hospital services including cardiac.

Quick quote>
We suggest
Budget Family
from $ * per week
Quick quote>

*For families with an adjusted taxable income of $180,000 p.a. or less, with a 26.791% rebate in NSW. Assumes no LHC loading. Includes $500 excess. Premium quoted valid until 31.03.16

  • {{icon}} Gap free cover for most
    kids dental and physio up to your yearly limits at
    Members First providers2

    What is Members First?

    It’s Bupa’s comprehensive health provider network, including thousands of dentists, physiotherapists, chiropractors and optical outlets across Australia.

    By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

  • {{icon}} Gap free cover for selected
    optical packages for the entire family up to your yearly limits at Members First providers3

    What is Members First?

    It’s Bupa’s comprehensive health provider network, including thousands of dentists, physiotherapists, chiropractors and optical outlets across Australia.

    By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

  • {{icon}} No excess to pay if your
    child is admitted to hospital1
  • {{icon}} Private room cover plus
    extra benefits at Members First hospitals

    Extra benefits at Members First hospitals including

    A daily newspaper, local phone calls and free-to-air TV at no additional cost

    Private Room when you book at least 24 hours before your overnight admission, or $50 back per night if the room is not available.

  • {{icon}} Individual limits for a
    range of extras services
  • {{icon}} $100 yearly
    top up bonus
Find Bupa Members First Providers >

Kids growing up?

If you're not planning on having more kids, our Budget and Established Family hospital and extras packages offer a range of useful features designed specifically for families. You’ll get great value with benefits like gap free cover for kids dental and physio up to your yearly limits, at Members First providers2, and no excess if they are admitted to hospital1. You’ll also have peace of mind knowing you’re covered for a wide range of hospital services including cardiac.

We suggest
Established Family
from $ ^ per week

Budget
Family

from $ * per week
Quick quote>

Established
Family

from $ ^ per week
Quick quote>
Quick quote>

*^For families with an adjusted taxable income of $180,000 p.a. or less, with a 26.791% rebate in NSW. Assumes no LHC loading. Includes $500 excess. Premium quoted valid until 31.03.17.

  • {{icon}} Gap free cover for
    most kids dental and physio up to your yearly limits at Members First providers2

    What is Members First?

    It’s Bupa’s comprehensive health provider network, including thousands of dentists, physiotherapists, chiropractors and optical outlets across Australia.

    By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

  • {{icon}} Gap free cover for
    selected optical packages for the entire family up to your yearly limits at Members First providers2

    What is Members First?

    It’s Bupa’s comprehensive health provider network, including thousands of dentists, physiotherapists, chiropractors and optical outlets across Australia.

    By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

  • {{icon}} No excess to pay
    if your child is admitted to hospital1
  • {{icon}} Private room cover plus
    extra benefits at Members First hospitals1

    Extra benefits at Members First hospitals including

    A daily newspaper, local phone calls and free-to-air TV at no additional cost

    Private Room when you book at least 24 hours before your overnight admission, or $50 back per night if the room is not available.

  • {{icon}} Individual limits for a
    range of extras services
  • {{icon}} $100 yearly
    top up bonus
Find Bupa Members First Providers >

Why over half a million families have chosen Bupa.

  • {{icon}} Gap free cover for selected kids extras up to your yearly limits2 at Members First providers
  • {{icon}} Private room cover plus extra benefits at Members First hospitals In Members First hospitals, when booked and requested at least 24 hours before admission. For every night a private room is unavailable, you’ll receive $50 back per night.
  • {{icon}} No hospital excess for kids until they're 251
  • {{icon}} $100 top up
    bonus
    towards any out-of-pocket extras expenses each calendar year
  • {{icon}} Save on claims with Members First By visiting a Members First provider, you’ll benefit from knowing how much you’ll get back. Plus you can generally expect higher benefits and between 60% and 100% back on specified services.

Switch today.

  • {{icon}} We can do
    the paperwork
  • {{icon}} No re-serving
    waiting periods
  • {{icon}} 30-day
    cooling off period6