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How to best compare health insurance

How to best compare Bupa health insurance

Do you find it difficult to compare health insurance? 

You’re not alone. Whether you’re taking cover for the first time, thinking of switching to a new health fund, or updating your cover to reflect a significant life change, you’ll often find that you have more questions than you can find answers for. 

The videos, blog posts and information below are designed to help you navigate the different options and types of cover on offer – from hospital and extras package, through to hospital only, extras only or ambulance only cover. When you are ready, get a quote now!

Families
Couples
Singles
 

Families Health Insurance

Starting or raising a family is a fantastic adventure – but it can also throw up some huge challenges. Fortunately, we’ve made it easy for you to choose the health insurance option that best suits you and your family. Take a look at the video to see how.

See your best matching covers
 

Couples Health insurance

Couples are all different, and our health cover packages and options reflect this. Some have inclusions like pregnancy services that will appeal to some couples, while others will be more suited to those leading active, high-energy – and child-free – lifestyles. Take a look at the video to see where you fit in.

See your best matching covers
 

Singles Health insurance

Being single is amazing. But while you’re out and about experiencing life, it’s great to know that you’ve got great cover looking out for you. Take a look at the video to find a cover that suits your needs and lifestyle.

See your best matching covers

What to look out for when comparing health insurance

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Price shouldn’t be the only factor that you consider when comparing health insurance. To help identify what will be important to you, your lifestyle and your health in the future, we’ve put together a list of some key factors that you should think carefully about before deciding on a private health policy.

Myth or fact

The health insurance industry can be big, complex – and confusing. And in this environment, it’s easy for the facts to get missed under layers of information. So to give you some much needed clarity, we’ve done some health insurance myth busting. Visit the Bupa blog to find out more.

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Want to find out where your premiums go?

Take a look at Bupa members’ most common hospitalisations from general surgery to cardiology, obstetrics to orthopaedics. Can you guess what the most expensive claim is for?

Glossary of Terms

Your guide to the common words, terms and jargon used in health insurance.

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Outstanding value - Canstar Award winner

Bupa has been recognised for outstanding value in Australia in the important area of health insurance.

Important reasons to have health insurance

 
Avoiding the Medicare Levy Surcharge
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It pays to join earlier in life
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Get money back on your cover
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Peace of mind
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Bupa cover could be less than the cost of the Medicare Levy Surcharge

If you're single and earning over $90,000 a year (or you're a couple or family earning $180,000 in combined income*) and you don't take private health cover, the government will charge you the Medicare Levy Surcharge (MLS). You might be shocked to know that this can be more than the cost of some Bupa hospital covers. Have a chat to your tax adviser or visit ato.gov.au for more information.

It pays to join earlier in life

The cost of your hospital cover depends on the age you first take it out. That’s because the Federal Government’s Lifetime Health Cover (LHC) loading applies if you take out hospital cover after you turn 31. For every year after your 31st birthday your premium will increase by 2% a year to a maximum of 70%

Any Lifetime Health Cover loading increase will apply for 10 continuous years. To avoid the loading (which is spread across both members in the case of couples), all you need to do is take out and maintain your hospital cover from 30 June following your 31st birthday.

Want money back in your pocket?

Here’s good news. The Australian Government Rebate on private health insurance could help make your private health cover more affordable. The rebate is available to any Australian eligible for Medicare. The rebate is quick and easy to claim. You can choose to get it as a reduced premium, or receive it as a lump sum at tax time. When you join Bupa, we'll help you understand and nominate your most suitable rebate tier.

Peace of mind

However old you are, and whatever stage of life you’re at, peace of mind is invaluable. Hospital cover helps you feel in control, when the worst happens like illness or injury – because with private hospital cover you will generally have more choice in when, where and how you are treated.

*Note: Thresholds are effective 1 July 2013 and are indexed annually. On a family membership this increases by $1,500 per child after the first child. The family thresholds apply to single parent families, couples including de facto couples. There are specific rules for calculating adjusted taxable income for Medicare Levy Surcharge and income testing purposes. For more information go to ato.gov.au