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Family health cover

Exceptional cover for your family

We've met a lot of families in our time, in fact, nearly half a million families have chosen Bupa Australia. And so we know they come in a range of shapes and sizes, with only one thing in common – how exceptional they are.

It's because of this that we've designed our health cover to suit the needs of Australian families. So whether you're only just thinking about having kids, are still adding to the brood or have finally tucked away the pram forever, we have health cover to suit your family.

A snapshot of our family cover

No out of pocket expenses for kids1

Take great care of your kids' pearly whites with our family cover, there are no out-of-pocket expenses10 for dental check-ups, teeth cleaning, fillings, x-rays and more.

Kids covered till they're 251

Kids grow up fast. But with Bupa, we'll look out for them until they're 25 and cover the cost of most physio and general dental services while they're still dependents on your membership.

No hospital excess for kids4

Climbing trees, riding bikes, playing in the rain – it's the stuff of dreams for most kids. But when they're active like this, accidents can happen – which is why you'll pay no excess if any one of your kids is admitted to hospital.

Get at least 60% back1

When you use Members First providers you'll receive at least 60% of your payment back. Not only does this ensure you get great value, but in most instances you'll also know what your out-of-pocket expenses will be.

I'm not planning to have more kids

I'm planning to have
kids

I want Bupa's best family cover

 
Budget Family
If you're not planning on having more kids, this affordable cover could be an ideal choice to help with your family's wellbeing. Enjoy a range of useful extras and hospital cover which also includes full cardiac.

Hospital

What's covered?11

Examples of what we pay benefits for include:
  • Psychiatric services
  • Hip and knee replacement
  • Cardiac
  • Rehabilitation services
  • Appendicitis
  • Removal of tonsils and adenoids
  • Minor gynaecological surgery

Extras

What's covered?

Annual maximums are per person, per calendar year
  • Up to 60% back on general dental, physio, chiro and selected optical1
  • General dental $700
  • Major dental $600
  • Orthodontics $400 (lifetime limit $1300)
  • Optical $260 (Members First) $180 (Non-Members First)
  • Physiotherapy $450
  • Chiropractic and osteopathy $350, ($500 per membership)
  • Pharmacy12 $400
  • Dietary $200
  • Psychology $200
  • Podiatry (excludes orthotics) $200
  • Natural therapies $300, ($100 massage sub-limit)
  • Speech therapy $200
  • Emergency ambulance services13
    2 services (per calendar year)
Top-up Bonus
You'll also get an additional $100 to spend every year towards paying for a gap relating to an Extras service, called the 'top-up' bonus. It's our way of thanking you for your loyalty.
Starting from:
50
.15
a week for families15

With an adjusted taxable income of $180,000 p.a. or less. Includes $500 excess and Base Tier rebate.

GET A DETAILED QUOTE Including extras and waiting periods
Established Family
If you've finished having kids, you'll find it helps to be prepared with more hospital cover and a generous range of extras. Importantly, you won't pay for what you think you probably won't need – like full pregnancy.

Hospital

What's covered?11

Examples of what we pay benefits for include:
  • Psychiatric services
  • Hip and knee replacement
  • Cardiac
  • Rehabilitation services
  • Appendicitis
  • Removal of tonsils and adenoids
  • Minor gynaecological surgery

Extras

What's covered?

Annual maximums are per person, per calendar year
  • Up to 60% back on general dental, physio, chiro and selected optical1
  • General dental (Unlimited)
  • Major dental $1000
  • Orthodontics $800 (lifetime limit: $2600)
  • Optical $290 (Members First), $200 (Non-Members First)
  • Physiotherapy $700
  • Chiropractic and osteopathy $500, $1000 (per membership)
  • Pharmacy12 $500
  • Dietary $400
  • Psychology $400
  • Podiatry (excludes orthotics) $400
  • Natural therapies $400, ($150 massage sub-limit)
  • Speech therapy $400
  • Emergency ambulance services13
    2 services (per calendar year)
Top-up Bonus
You'll also get an additional $100 to spend every year towards paying for a gap relating to an Extras service, called the 'top-up' bonus. It's our way of thanking you for your loyalty.
Starting from:
$67
.05
a week for families16

With an adjusted taxable income of $180,000 p.a. or less. Includes $500 excess and Base Tier rebate.

GET A DETAILED QUOTE Including extras and waiting periods
Growing Family
Planning on having kids? This cover may be ideal for couples or families who want access to hospital and extras your family needs now – with peace of mind knowing you are covered as your family grows.

Hospital

What's covered?11

Examples of what we pay benefits for include:
  • Assisted reproductive services (IVF)
  • Hip and knee replacement
  • Cataract and eye lens procedures
  • Pregnancy
  • Cardiac
  • Rehabilitation services.
  • Appendicitis
  • Removal of tonsils and adenoids
  • Minor gynaecological surgery
  • Operating theatre, intensive care, ward fees

Extras

What's covered?

Annual maximums are per person, per calendar year
  • Up to 60% back on general dental, physio, chiro and selected optical1
  • General dental $700
  • Major dental $600
  • Orthodontics $400 (lifetime limit: $1300)
  • Optical $260 (Members First) $180 (Non-Members First)
  • Physiotherapy $450
  • Chiropractic and osteopathy $350, $500 (per membership)
  • Pharmacy12 $400
  • Dietary $200
  • Natural therapies $300 ($100 massage sublimit)
  • Psychology $200
  • Podiatry (excludes orthotics) $200
  • Speech therapy $200
  • Emergency ambulance services13
    2 services (per calendar year)
  • Antenatal and postnatal $300
Top-up Bonus
Enjoy a $100 Top-up bonus per membership each calendar year towards any out-of-pocket extras expenses
Starting from:
$65
.85
a week for families17

With an adjusted taxable income of $180,000 p.a. or less. Includes $500 excess and Base Tier rebate.

GET A DETAILED QUOTE Including extras and waiting periods
Ultimate Health Cover
If you want the 'Ultimate' for your family, look no further. You'll receive our very best level of hospital cover without the excess – plus you can enjoy all the benefits of our top extras cover. Not to mention unique benefits, including our 24-hour medical advice line.

Hospital

What's covered?11

Examples of what we pay benefits for include:
  • Assisted reproductive services (IVF)
  • Hip and knee replacement
  • Cataract and eye lens procedures
  • Pregnancy related services including child birth
  • Cardiac
  • Rehabilitation services.
  • Appendicitis
  • Removal of tonsils and adenoids
  • Minor gynaecological surgery
  • Operating theatre, intensive care, ward fees
  • 100% cover for laser eye surgery14

Extras

What's covered?

Annual maximums are per person, per calendar year
  • Up to 100% back on most general dental, physio, chiro and selected optical1
  • General dental (Unlimited)
  • Major dental $1600
  • Orthodontics $1000 (lifetime limit: $3,200)
  • Optical $420 (Members First), $300 (Non-Members First)
  • Physiotherapy $1500
  • Chiropractic and osteopathy $1000, $1,600 (per membership)
  • Pharmacy12 $1500
  • Dietary $1000
  • Natural therapies $1000 ($250 massage sublimit)
  • Psychology $1000
  • Podiatry (excludes orthotics) $1000
  • Speech therapy $1000
  • Emergency ambulance services13
    2 services (per calendar year)
  • Antenatal and postnatal $500
$200 yearly gap bonus
Receive a $200 Gap Bonus when you join, and another $200 at the start of each calendar year per membership, to help pay for any medical gaps charged by your doctor or specialist when admitted to hospital. Plus, any unused bonus amounts will accumulate.
Starting from:
$113
.60
a week for families18

With an adjusted taxable income of $180,000 p.a. or less. Includes $500 excess and Base Tier rebate.

GET A DETAILED QUOTE Including extras and waiting periods
Ultimate Health Cover
If you want the 'Ultimate' for your family, look no further. You'll receive our very best level of hospital cover without the excess – plus you can enjoy all the benefits of our top extras cover. Not to mention unique benefits, including our 24-hour medical advice line.

Hospital

What's covered?11

Examples of what we pay benefits for include:
  • Assisted reproductive services (IVF)
  • Pregnancy related services including child birth
  • Hip and knee replacement
  • Cataract and eye lens procedures
  • Cardiac
  • Rehabilitation services.
  • Appendicitis
  • Removal of tonsils and adenoids
  • Minor gynaecological surgery
  • Operating theatre, intensive care, ward fees100% cover for laser eye surgery14
  • 100% back at most Members First Providers
  • Additional accident benefit
  • 24-hour medical advice line.
  • Free health checks
$200 yearly gap bonus
Receive a $200 Gap Bonus when you join and another $200 at the start of each calendar year per membership, to help pay for any medical gaps charged by your doctor or specialist when admitted to hospital. Plus, any unused bonus amounts will accumulate.

Extras

What's covered?

Annual maximums are per person, per calendar year
  • Up to 100% back on general dental, physio, chiro and selected optical1
  • General dental (Unlimited)
  • Major dental $1600
  • Orthodontics $1000 (lifetime limit: $3,200)
  • Optical $420 (Members First), $300 (Non-Members First)
  • Physiotherapy $1500
  • Chiropractic and osteopathy $1000, $1,600 (per membership)
  • Pharmacy12 $1500
  • Dietary $1000
  • Psychology $1000
  • Podiatry (excludes orthotics) $1000
  • Speech therapy $1000
  • Natural therapies $1000 ($250 massage sublimit)
  • Emergency ambulance services13
    2 services (per calendar year)
  • Antenatal and postnatal $500

Starting from:
$113
.60
a week for families18

With an adjusted taxable income of $180,000 p.a. or less. Includes $500 excess and Base Tier rebate.


Not quite the right cover? Or looking for hospital only cover?

Alternatively, our ‘build your own' cover option gives you the ability to tailor a package exactly to your needs. You have the freedom to build a health cover package that's perfect for your family – and your budget.

Build your own

Legend:

green tickCovered
minimum benefit Minimum Benefits
question tool tip
For services paid at minimum benefits in a private hospital we will pay minimum shared room benefits, and you will have your choice of doctor. These benefits would not be adequate to cover all hospital costs and are likely to result in large out-of-pocket expenses. For services paid at minimum benefits in a public hospital, we will pay minimum shared room benefits and you will have your choice of doctor. If these benefits are less than the public hospital charges, you will have out-of-pocket expenses to pay.

 

Why choose us

Outstanding Value - Canstar Award
winner
tool tip
Having a family can be expensive. But with our great value confirmed by a 2012 Canstar Award for Outstanding Value Health Insurance Australia, you can have peace of mind that you are receiving great value for your family.
30-day cooling off period
question mark
We know you'll love your cover. But we also know that in life (and especially with families), circumstances and priorities can change quickly. So if you decide to cancel your cover within the first 30 days of your membership, we'll happily refund any premiums you've paid – as long as you haven't made a claim.
You'll never feel locked in
question mark
We want to help take care of your family – and we want you to make the most of your cover. Of course, with private health insurance you are free to cancel your cover at any time.
We're trusted by over 3 million members
question mark
Don't be deceived by our size though – every single one of our members and their families matters to us. Especially yours.
Get more back from more providers
question mark
You'll soon see the benefit of having access to Australia's largest combined provider network9. Not only will you receive certainty about any gap that you may need to pay, but you'll also enjoy the freedom to choose from our extensive network of Members First providers, covering general dental, optical, physiotherapy and chiropractic services.

Testimonials

"I like the Budget Family cover because it covers us for everything and I don't have to pay a premium price for including things in a private hospital that we don't need now. It gives me peace of mind for the children in case they need to go to hospital and as they are both enrolled in swimming lessons, I like that I can claim that as well... it's a bonus!"
testimonial laura

Laura Egan
Mum of 2,
Orange, NSW

Need Assistance?

 
Call us on 134 135
Join hospital and extras by 30 November and get up to $200 worth of New Balance vouchers
The benefits of Bupa family cover

Whether your family's taking private health cover for the first time, or just planning to switch providers, it's a big decision. And to help you make sense of it all, we've listed some of the advantages of health insurance and joining with us:

We'll help cover the cost

Life doesn't always go to plan – especially when you've got a growing family. But if you or the kids do need a trip to hospital, our hospital cover helps pay for services6 that are recognised by Medicare, including theatre fees, intensive care and private hospital accommodation

Award Winning Cover

Having a family can be expensive. But with our great value confirmed by a 2012 Canstar Award for Outstanding Value Health Insurance Australia, you can have peace of mind that you are receiving great value for your family.

No out of pockets expenses for kids1

There's only so much that an apple a day can do. For the rest, we offer gap-free for kids on most general dental and physio services for kids at our Members First providers until they're 25.

Certainty of your out of pocket expenses

When you're a kid, being small definitely has its advantages. But when it comes to your family's health cover, it pays to be connected with Australia's largest combined provider network9 - This means you get the added certainty of your out of pocket costs from more places for most general dental, physio and chiro at Members First providers around the country.

No out of pocket expenses for same day treatment5

No matter how small the procedure, it's stressful when you or your kids need medical treatment. And at this time, the last thing you want to be worried about is the cost. That's why you'll have no out-of-pocket medical or hospital expenses for same day treatments at our Members First day facilities5.

It pays to be covered8

If you don't have private hospital cover and you and your partner earn over $180,000 a year2 in combined income, the Medicare Levy Surcharge (MLS) kicks in. You might be shocked to know that your surcharge can be more than the cost of some Bupa hospital covers.

Appy family

Mobile apps for healthier families
family moments app
Family Moments
Kids grow quickly. And as they do, you can capture their development and special moments with this easy to use app.
Try it now
foodswitch app
FoodSwitch
Assessing the nutritional value of food can be hard. But with this app, it's simple to make better food choices every time you shop.
Try it now
fitness app
Fitness
Need some motivation to stay fit? You'll find it here. With this app in your pocket, you've got access to a free, interactive fitness guide no matter where you are.
Try it now

1For most items at our Members First providers covering general dental, physiotherapy and selected optical packages. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments.

2Note: Thresholds are effective 1 July each year 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

3Not available on all covers.

4No excess for kids (up to the age of 25) is available on selected hospital cover on family memberships only.

5Not available in NT, any excess still applies

6Only if the service is included on the selected cover.

8Lifetime Health Cover (LHC) does not apply to overseas visitors who are not permanent residents of Australia. If LHC applies, the loading increases by 2% a year to a maximum of 70%. This applies for 10 continuous years. To avoid paying any loading simply take out and maintain hospital cover by 30 June following your 31st birthday. For couples, any loadings are shared across both adults on the membership.

9As at [1 January 2013] for dental, optical, physio and chiro providers.

10When treatment is provided by a Members First dentist. Available on our family packages, Ultimate Health Cover, Silver, Gold and Platinum Extras covers when taken with hospital cover on a family membership. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments.

11You are covered in a private hospital for all services recognised by Medicare except where Minimum Benefits apply to the service,

12Benefits for prescription items that are non-PBS, TGA approved and not appearing on our exclusions list.

13Limits apply

141 year waiting period applies, excludes lens implant for eye correction.

15Price is for Budget Family Health Cover on a Family scale, with a $500 excess. Price for NSW residents. Assumes no LHC loading and includes the Base Tier Australian Government Rebate on private health insurance. which is income tested from 1 July each year.

16Price is for Established Family Health Cover on a Family scale, with a $500 excess. Price for NSW residents. Assumes no LHC loading and includes the Base Tier Australian Government Rebate on private health insurance. which is income tested from 1 July each year.

17Price is for Growing Family Health Cover on a Family scale, with a $500 excess. Price for NSW residents. Assumes no LHC loading and includes the Base Tier Australian Government Rebate on private health insurance which is income tested from 1 July each year.

18Price is for Ultimate Health Cover with no hospital excess for the entire family. Price for NSW residents. Assumes no LHC loading and includes the Base Tier Australian Government Rebate on private health insurance which is income tested from 1 July each year.