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Best matching covers

Health insurance cover for

Choosing private health insurance should be as worry-free as possible. Based on the information that you have given us, the following covers that may suit your needs.

help

What level of cover is right for me?

Hospital Basic level of cover

If you want the security of cover for the essentials we have basic covers to help suit your needs. If considering basic hospital cover, we recommend looking at the services that are not included or not fully included and considering if you think you are likely to need them or not, as well as looking at any excess or copayment that may apply if you do need to go to hospital.

Suitable for:

For people on a budget or those who are young and healthy then one of our Basic level covers could suit your needs. It also means that you may not need to pay the Medicare Levy Surcharge.

Hospital Medium level of cover

If you are looking for more than a basic cover for the essentials we have covers to help suit your needs. Medium level hospital cover will generally cover a wider range of hospital services for greater peace of mind, with the premium kept more affordable through omitting selected services or benefits available on higher cover that you think you may not need.

Suitable for:

For people who want the security of more than the minimum level of cover, but still want to balance their cover with a more affordable premium, then one of our medium levels of cover could be right for you.

Hospital Top level of cover

Top level cover for Hospital is designed to give real peace of mind.

Suitable for:

Everyone wanting our best level of hospital cover.

No Hospital
Basic
Medium
Top
Basic Hospital: Suitable for people on a budget or those who are young and healthy then one of our Basic level covers could suit your needs. It also means that you may not need to pay the Medicare Levy Surcharge.
Medium Hospital: Suitable for people who want the security of more than the minimum level of cover, but still want to balance their cover with a more affordable premium, then one of our medium levels of cover could be right for you.
Top Hospital: Suitable for everyone wanting our best level of hospital cover.
help

What level of cover is right for me?

Extras Basic level of cover

If you are looking for cover for essential extras services including General Dental and Physio, our range of basic extras products could be right for you.

Suitable for those on a budget who only require the essentials.

Extras Medium level of cover

If you are looking for more than the essentials, medium level extras cover will generally include either more services, higher limits or higher benefits (or all three!) while still providing a balance between your level of cover and your premium.

Suitable for those who want more than a basic cover but still want to keep an affordable premium

Extras Top level of cover

If you are looking for a comprehensive extras cover with generous benefits and high annual maximums, then our Top level extras cover could be perfect for you.

Suitable for everyone wanting our best level of Extras cover.

No extras
Basic
Medium
Top
Basic Extras: Suitable for those on a budget who only require the essentials.
Medium Extras: Suitable for those who want more than a basic cover but still want to keep an affordable premium
Top Extras: Suitable for everyone wanting our best level of Extras cover.
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Government Rebate
?

The Government offers all Australian residents who are entitled to Medicare benefits an income-tested rebate on their private health insurance.

The government now income tests the rebate on private health insurance. One way you can save up-front is to claim the rebate as a reduction on your premium, would you like to do that now?

For individuals earning $90000 ($180000 for families*) or under
*This increases by $1,500 per child after the first child

grey hollow iconChildren receive full cover for shared room accommodation in Members First, Network and public 

        hospitals, while parents receive benefits for shared room accommodation in public hospital only, with 

        choice of doctor

green tick iconCovered

orange cross iconNot Covered

tick asterisk iconOnly covered if resulting from an accident after joining this cover and requiring immediate medical attention

minimum benefits icon Minimum benefits only

Services/bonus dollars. 100% covered services and eligibility for bonus dollars.
A set number of services will be paid in full each year by Bupa when you visit Members First providers.
Bonus dollars can be put towards out-of-pocket extras expenses at Members First providers only.

Bonus dollars. A total amount that can be used across all extras services covered per person, per calendar year when visiting a Members First provider.

Bupa Optical voucher and bonus dollars.

Phone consultations. A set number of telephone consultations with a Bupa dietitian per person, per calendar year.

^ You are 100% covered on a set number of Simple Start services at Members First healthcare providers only.

* For most items at Members First providers, covering general dental, physio and chiro services. Annual maximums and waiting periods apply.

Excluded Services: Please note that should you require treatment for a service which is excluded from your level of cover, no benefits are payable by Bupa for any of the hospital or doctor's charges associated with that admission.

Please note: the above quote is for a $500 per person excess ($250 per person excess for Choices) for residents of the selected state, it does not include a Lifetime Health Cover loading and includes your selected Australian Government Rebate on private health insurance. From 1 July 2012 the Australian Government Rebate on private health insurance became income tested.

Before applying to join any of the Bupa hospital or extra cover options, it is important that you read and understand the product information for the cover you have chosen. We also recommend that you retain the product information for future reference.

Waiting periods and annual maximums apply.

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