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It’s easy to switch
health insurance

It's easy to make the switch
To get your choice of New Balance, FitBit or 6 movie tickets gift In three simple steps, we can have you covered.
 
  • We can do the paperwork
    We can do the paperwork
     
    We can do the paperwork
    Switching funds doesn't have to be complicated. So when you come to Bupa, we can do the hard work for you, like getting in touch with your previous health funds to organise your transfer with your consent.
  • No re-serving waiting periods
    No re-serving waiting periods
     
    No re-serving waiting periods
    Worried about waiting periods? If you switch to an equivalent or lower level of cover, you won't have to re-serve any waiting periods you've already served for the same services, up to your existing level of cover.
  • You will have continuity of cover
    You will have continuity of cover
     
    You will have continuity of cover
    If you're changing from another Australian health fund to Bupa, you'll continue to be covered for all benefit entitlements that you had on your old cover, as long as these services are offered on your new cover with us. This is referred to as 'continuity of cover'. To receive continuity of cover, you'll need to transfer to us within 60 days of leaving your old fund. When changing health funds, extras benefits paid by your old fund will be counted towards your annual maximums in your first year of membership with us. Any benefits paid by your old fund also count towards lifetime maximums. It's important to note that when you change to Bupa from another fund you may need to wait before you can access your new benefits. In this situation, your benefit entitlements are based on our nearest equivalent cover to what you previously held. Where your new cover is higher than what you had with your old fund, the lower benefit (including different excess levels) will apply for the waiting period relevant for that service. If you choose a lower level of cover than you held previously, then the lower benefits on your new cover will apply immediately. This may include a different excess level or minimum benefits. You may also need to serve waiting periods for services or treatments that weren't covered on your previous cover. In this case you won't be covered during the waiting period.
  • 30-day cooling off period
    30-day cooling off period
     
    30-day cooling period
    We know you'll love your cover. But we also know that in life, 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.
FIND OUT HOW TO SWITCH
Close
Once you have selected the health insurance cover that suits your needs, we can arrange the transfer for you. In fact, switching to Bupa is as easy as 1, 2, 3...
Choose the health insurance cover that suits your needs and life stage.
Apply online, call us on 134 135 or let us call you.
With your permission, we can do the paperwork and contact your old health insurer.
Take the first step today Compare our covers

THINKING OF SWITCHING?

See why more than 3.7 million people including half a million families choose Bupa.

GET MORE VALUE WITH BUPA

Save with Australia's largest combined provider network2
 
No out-of-pocket hospital expenses at our Members First day facilities5
 
No out-of-pocket
expenses for kids
for dental and physio1
 
At least 60% back
on extras6
 
Member
Exclusives
 
We'll help you find a
healthier you
 
Yearly top-up bonus
 
Unemployment Cover (available on Top Hospital and Ultimate)
 
Save with Australia's largest combined provider network2

Our extensive Members First provider network offers nation-wide access to general dental, optical, physiotherapy and chiropractic services. If you have extras cover with us, you can save money by choosing these providers. You will also have the certainty of knowing how much you'll get back in most instances.

No out-of-pocket hospital expenses at our Members First day facilities5

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 facilities where the service is clinically required and receives Medicare benefits5.

No out-of-pocket expenses for kids for dental and physio1

There's only so much that an apple a day can do. For the rest, we offer no out-of-pocket expenses for kids on most general dental and physio services at our Members First providers - all the way until they're 25.

Get at least 60% back6

When you use Members First providers you'll receive at least 60% back for selected services. This helps you get great value as in most instances you'll also know what your out-of-pocket expenses will be.

Members Exclusives

Keep your mind and body active with some great member discounts on things like gym memberships, movie vouchers and theme park entry. With a wide range on offer there's something for everyone.

We'll help you find a healthier you

It's our purpose that makes us different - we want our members to live longer, healthier, happier lives. We offer more than health cover. Our expertise extends to health assessments and health coaching (for eligible members), wellness programs, optical care, aged care and international health cover. We offer information and tools to help you manage your health.

Yearly top-up bonus

Depending on your level of cover, each calendar year you can receive a Top-Up Bonus which helps cover out-of-pocket expenses for the extras services in your cover. Bonuses are per membership and do not accumulate at the end of each year.

Unemployment Cover

Depending on your level of cover, if you are involuntarily retrenched or made redundant from full-time employment, from the start of your second month of unemployment your health insurance premiums will be covered (at the same level of cover) for up to 12 months while you remain unemployed. Please contact us for more information.

We don’t make claims. We pay them.
When you make a claim on your health cover, it shouldn't be hard to get it paid. Our commitment to the health of our members is something that we take seriously – which is why we've paid out a total of $4.5 billion dollars in benefits11 to our members.

READY TO MAKE THE SWITCH?

READY TO MAKE THE SWITCH
In three simple steps, we can have you covered.

WHY BUPA IS BETTER?

Award-Winning Cover
Our great value insurance was confirmed by a 2013 Canstar Award for Outstanding Value Health
Insurance Australia, so you can have peace of mind that you are receiving great value.
Award-Winning Cover
On-the-spot easy claims

On the spot easy claims

Electronic claiming is the fastest way to make your insurance claim on most extras. Around 40,000 dentists, physiotherapists, chiropractors, podiatrists, naturopaths, remedial massages therapists, acupuncturists, exercise physiologists and optical outlets around Australia provide this service. After your treatment, swipe your membership card and the claim will be processed automatically. There are no forms for you to complete and you'll only pay the balance of the account.
Save with Australia's largest combined provider network

Save with Australia's largest combined provider network2

You'll soon see the benefit of having access to Australia's largest combined provider network.2 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.
More choice and convenience

More choice and convenience

Managing your health cover should be easy, so we provide choices in how you can reach us. You can call our friendly Bupa team on 134 135, drop by your local Bupa centre or visit us online. Alternatively if you have a smartphone simply download our myBupa app. Whatever time of day and wherever you are, we're here to help.
We help you find a healthier you

We help you find a healthier you

It all starts with your Bupa membership, which makes it easier to be proactive in managing your health. Because let's face it, it's much better to have regular catch ups with your dentist than need the occasional major rescue! And should you need them, you can access our extensive Members First network of dental, optical, physio and chiro providers. You can also use health tools, calculators and mobile apps to help manage your health. The Bupa website is a great source of health information covering various health conditions, treatments and ways to keep fit and healthy. As a Bupa member, you may also be eligible for access to health programs, nicotine replacement therapy, phone-based health coaching for certain medical conditions, chronic health condition support and more.
Part of a global group

Part of a global group

We are part of a global network and draw on knowledge gained by caring for over 22 million people in 190 countries. Drawing on that expertise enables us to provide Australians with better healthcare service, support and advice.
60 Years in Australia

60 Years in Australia

Bupa is a healthcare leader proudly looking after the needs of more than three million Australians. Through our brands, we have over 60 years experience and we're part of a global group whose care and expertise now stretches across 190 countries.
SEE WHAT BUPA MEMBERS ALSO GET
Exclusive offers, just for members
Keep your mind and body active with some great member discounts on things like gym memberships, movie vouchers and theme park entry. With a wide range on offer there's something for everyone.
Get 25% off at AMF Bowling, Kingpin Bowling and M9 Laser Skirmish.
Receive up to 70% off vitamins when you purchase online from Australian NaturalCare.
Get 30% off when you purchase any Blackmores product online at Blackmores.
Receive up to 25% off the box office price when you purchase your movie tickets online.
Receive up to 25% off the box office price when you purchase your movie tickets online.
Receive up to 15% off best available rates at Rydges Hotels and Resorts when you book online.
Learn how to set up healthy habits for life! Get a special deal when you join Weight Watchers programs.
Get 15% off the monthly membership fee.
Save 5% on the current standard 12 month or flexible month to month membership fee.
Get a 20% discount on a 12 month membership fee.
Get up to 20% off selected Guy Leech products.
Get 25% off all full priced online purchases and free shipping for all orders over $150.
Get a 20% discount off the recommended retail price on the range of sunglasses displayed at any National Pharmacies Optical store.
Get up to 20% off most services.
Receive $30 off any RedBalloon experience when you spend $129 or more.
Receive 15% off tickets when you purchase online for Dreamworld, WhiteWater World, SkyPoint and SkyPoint Climb.
Get a 20% discount on the admission price to Illawarra Fly Treetop Adventures and Otway Fly Treetop Adventures
Get a 20% discount on the admission price to Sydney SEA LIFE Aquarium, Melbourne Aquarium and Manly SEA LIFE
Get a 15% discount on regular rates for The Golden Door.
Get a 20% discount on the admission price to UnderWater World Mooloolaba and WILD LIFE Hamilton Island.
Get a 10% discount on admission for adults, children and pensioner passes when you purchase online.
Get a 20% discount on the admission price to WILD LIFE Sydney, Madame Tussauds and The Sydney Tower Eye.
 
 
 

WHY CHOOSE BUPA?

Benefits for Families and Couples
No out of pocket expenses for kids9
Take great care of your kids' pearly whites with our family cover, there are no out-of-pocket expenses8 for dental check-ups, teeth cleaning, fillings, x-rays and more.
Get at least
60% back6
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.
Kids covered till
they're 25
Kids grow up fast. But with Bupa, we'll look out for them until they're 25.
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.

TESTIMONIALS

We've had family membership with Bupa for years.

Nikki Tyndall,
Bupa member
We've had family membership with Bupa for years
We've had a family membership with Bupa for years. It's always been so easy, and I never give it a second thought. So when Milla arrived, I could really focus on her.
It's so nice not to have to worry

Nathan Tumaru,
Bupa member
It's so nice not to have to worry
My girlfriend and I have couples cover and it is definitely worth it. As a childcare worker and swimming teacher, I have to be physically fit. Last year, I started having pains in my stomach. Once doctors worked out the problem, I had surgery within two weeks. It's just so nice not to have to worry about it.
I’m better for it.

Cass Macleod,
Bupa member
Bupa has paid out in excess of $20K
I just wanted to say thank you. So far BUPA has paid out in excess of $20,000 for mine and my baby's admission for my recent obstetric admission. 2 hospitals, 2 obstetricians, paediatricians, radiologists Neonatal Intensive Care Unit, critical ambulance transfer, emergency theatre fees, anaesthetists, physio twice daily, etc. pretty much you name it, we had it. I have to say, I think my premiums paid to date have been well spent.
I’m better for it.

Sharon Rose,
Bupa member
I'm better for it
After my heart attack, The COACH Program set me in the right direction. Every five weeks they talked me through test results, what it all meant and what to do next. It was very personalised and I felt so comfortable. I had no idea Bupa provided this service, but I'm better for it.
 I can rely on my healthcare company no matter where I am in the world.

Michael Vandertop,
Bupa member
I can rely on my healthcare company no matter where I am in the world
I like the fact that Bupa can draw on the experience of a global company to help its members — to help me. I travel a lot with my work and it's comforting to know that I can rely on my healthcare company no matter where I am in the world.
 
 
 
 
 
 
 


WHAT DOES BUPA COVER COST?

At Bupa, we believe in providing you with outstanding cover. But we also believe your cover should offer outstanding value, no matter which option you take.
Outstanding value — Canstar Award Winner
Our great value insurance was confirmed by a 2013 Canstar Award for Outstanding Value Health Insurance Australia.
Singles
For Active Saver
FROM
$13
.75
/wk
 
With an adjusted taxable income of $88,000 p.a. or less. Includes $100 co-payment and Base Tier Rebate.
Active Saver benefits at a glance
  • General dental, physiotherapy, chiropractic, podiatry and more!
  • Basic hospital + emergency ambulance transport cover from recognised providers
  • Get at least 60% back on general dental, physio and chiro at our Members First Providers10
  • Help avoid the Medicare Levy surcharge3
Find out more
Price for NSW residents. Assumes no LHC loading and includes the Australian Government Rebate on private health insurance at Base Tier which is income tested from 1 July 2013.
Couples
For Choices 70
FROM
$34
.90
/wk
 
With an adjusted taxable income of $176,000 p.a. or less. Includes $250 per person excess and Base Tier Rebate.
Choices 70 benefits at a glance
  • General dental, physiotherapy, chiropractic, natural therapies and more!
  • Basic hospital + emergency ambulance transport cover from recognised providers
  • Get at least 70% back on general dental, physio and chiro at our Members First Providers10
  • Help avoid the Medicare Levy surcharge3
Find out more
Price for NSW residents. Assumes no LHC loading and includes the Australian Government Rebate on private health insurance at Base Tier which is income tested from 1 July 2013.
Families
For Budget Family
FROM
$50
.15
/wk
 
With an adjusted taxable income of $176,000 p.a. or less. Includes $500 excess and Base Tier Rebate.
Budget Family benefits at a glance
  • No hospital excess for kids up to the age of 25
  • No out-of-pocket expenses for kids' general dental, physio and selected optical packages at our Members First providers9
  • Get at least 60% back on general dental, physio and chiro10 at our Members First PRoviders
  • Benefit towards kids' swimming courses7
Find out more
Price for NSW residents. Assumes no LHC loading and includes the Australian Government Rebate on private health insurance at Base Tier which is income tested from 1 July 2013.
CHOOSE BUPA AND
Make the switch today
We can do the
paperwork We can do the paperwork
No re-serving
waiting periods No re-serving waiting periods
You will have continuity of cover You will have continuity of cover
30-day cooling off
period 30-day cooling off period
Switching funds doesn't have to be complicated. So when you come to Bupa, we can do the hard work for you, like getting in touch with your previous health funds to organise your transfer with your consent.
 
Worried about waiting periods? If you switch to an equivalent or lower level of cover, you won't have to re-serve any waiting periods you've already served for the same services, up to your existing level of cover.
 
If you're changing from another Australian health fund to Bupa, you'll continue to be covered for all benefit entitlements that you had on your old cover, as long as these services are offered on your new cover with us. This is referred to as 'continuity of cover'. To receive continuity of cover, you'll need to transfer to us within 60 days of leaving your old fund. When changing health funds, extras benefits paid by your old fund will be counted towards your annual maximums in your first year of membership with us. Any benefits paid by your old fund also count towards lifetime maximums. It's important to note that when you change to Bupa from another fund you may need to wait before you can access your new benefits. In this situation, your benefit entitlements are based on our nearest equivalent cover to what you previously held. Where your new cover is higher than what you had with your old fund, the lower benefit (including different excess levels) will apply for the waiting period relevant for that service. If you choose a lower level of cover than you held previously, then the lower benefits on your new cover will apply immediately. This may include a different excess level or minimum benefits. You may also need to serve waiting periods for services or treatments that weren't covered on your previous cover. In this case you won't be covered during the waiting period.
 
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.
 
Make this switch today and...
or
Do you need more information?
  1. On selected extras covers for most items covering general dental and physiotherapy. Annual maximums, fund rules and waiting periods apply. Child dependents only. Major dental for VIC and SA members only. Excludes orthodontics and hospital treatment.
  2. As at 1 January 2013 for dental, optical, physio and chiro providers.
  3. By joining you could save by avoiding the Medicare Levy Surcharge (if you're over the income threshold). There are specific rules for calculating adjusted taxable income for the Medicare Levy Surcharge and income testing purposes. For more information, go to ato.gov.au
  4. No excess for kids (up to the age of 25) is available on selected hospital cover on family memberships only.
  5. Not available in NT, ACT or for dental services not receiving Medicare benefits. Any excess or copayment still applies. To see if your chosen facility has an agreement with us, view our current Bupa Hospital listing on our website, or call us.
  6. For most items covering general dental, physiotherapy, chiropractic and selected optical packages when you first our Members First providers. Annual maximums, fund rules and waiting periods apply. Major dental for VIC and SA members only. Excludes orthodontics and hospital treatment.
  7. When prescribed by a doctor or recognised provider as part of a health management plan.
  8. When 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.
  9. For 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.
  10. On general dental, physio and chiro when you visit our Members First providers in most instances. Benefit received is based on the level of cover taken. Fund Rules, Annual maximums and waiting periods apply. Major dental for VIC and SA members only. Excludes orthodontics and hospital treatment.
  11. Figures quoted are the total claims paid by Bupa to members in 2013.