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Trying to work out what cover you need?
Bupa makes it simple

Life insurance cover comes in many different shapes and sizes. Understanding what you’re covered for and what product is the right one for you can be complicated.

It doesn’t need to be so hard. Put simply, life insurance products can help you in one of two ways:


Help support you when
you’re still living




OR


Help support your loved
ones after you pass away

We’ve organised these products into these two categories, so that you can consider which product may be right for you.

Cover For You While You're Living

We realise there’s not a one size fits all solution when it comes to helping look after your needs, so we try to be flexible by providing access to different products that focus on different benefits. To try and help make the choice easier, we have summarised some of the key benefits for each product. When considering which product may be right for you, you should also read the applicable Product Disclosure Statement as there may be more benefits available, as well as other terms and conditions that apply.

 

Bupa Injury Cash Insurance

Bupa Serious Illness Insurance

Bupa Income Protection

What situations does it cover?

If you suffer from one of the specified injuries ranging from certain broken bones to accidental death

If you suffer from one of 6 major illnesses/injuries* including certain forms of cancer and heart attack

If illness or injury leaves you unable to work for an extended period

Cover amounts


The cover amount you choose

$10,000 - $200,000 (depends on the type of injury and your plan type).

Choice of $50,000, $100,000 and $200,000

Up to 75% of your income1

Lump sum payout


Means you’ll get your benefit amount in one payment

   

Monthly payout (for max 2 or 5 years, or until you turn age 65)2

Waiting period


How long you need to wait before you are eligible to claim

None

If you are diagnosed with one of the specified illness’ within the first 90 days of taking out the cover, you will be unable to make a claim under the policy – otherwise none

Choose from 30, 90 or 180 days, or 1 or 2 years

Who can apply?

Australian Residents aged 18-65

Australian Residents aged 18-55

Australian Residents aged 20-54

Guaranteed acceptance?4


Guaranteed acceptance products offer cover without asking any health or medical questions.

     

10% discount for Bupa health members

     

Additional benefits for Bupa health members

Extra 10% paid on all claims

Extra 10% paid on all claims

12 months cover for the price of 11 when you pay annually

Customer Loyalty Benefit – you will be reimbursed for your Bupa Health Insurance policy for 12 months (up to $2,000) if you are on a total disability claim

Monthly and annual premium payment options

     

Level premiums


Premiums don't go up as you get older

     

What situations does it cover?

If you suffer from one of the specified injuries ranging from certain broken bones to accidental death

Cover amounts


The cover amount you choose

$10,000 - $200,000 (depends on the type of injury and your plan type).

Lump sum payout


Means you’ll get your benefit amount in one payment

 

Waiting period


How long you need to wait before you are eligible to claim

None

Who can apply?

Australian Residents aged 18-65

Guaranteed acceptance?4


Guaranteed acceptance products offer cover without asking any health or medical questions.

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

Extra 10% paid on all claims

Monthly and annual premium payment options

 

Level premiums


Premiums don't go up as you get older

 

What situations does it cover?

If you suffer from one of 9 major illnesses/injuries* including certain forms of cancer and heart attack

Cover amounts


The cover amount you choose

Choice of $50,000, $100,000 and $200,000

Lump sum payout


Means you’ll get your benefit amount in one payment

 

Waiting period


How long you need to wait before you are eligible to claim

If you are diagnosed with one of the specified illness’ within the first 90 days of taking out the cover, you will be unable to make a claim under the policy – otherwise none

Who can apply?

Australian Residents aged 18-55

Guaranteed acceptance?4


Guaranteed acceptance products offer cover without asking any health or medical questions.

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

Extra 10% paid on all claims

Monthly and annual premium payment options

 

Level premiums


Premiums don't go up as you get older

 

What situations does it cover?

If illness or injury leaves you unable to work for an extended period

Cover amounts


The cover amount you choose

Up to 75% of your income1

Lump sum payout


Means you’ll get your benefit amount in one payment

Monthly payout (for max 2 or 5 years, or until you turn age 65)2

Waiting period


How long you need to wait before you are eligible to claim

Choose from 30, 90 or 180 days, or 1 or 2 years

Who can apply?

Australian Residents aged 20-54

Guaranteed acceptance?4


Guaranteed acceptance products offer cover without asking any health or medical questions.

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

12 months cover for the price of 11 when you pay annually

Customer Loyalty Benefit – you will be reimbursed for your Bupa Health Insurance policy for 12 months (up to $2,000) if you are on a total disability claim

Monthly and annual premium payment options

 

Level premiums


Premiums don't go up as you get older

 

1 Subject to a maximum monthly benefit of $20,000 (depending on your occupation)

2 Depending on the benefit period you chose when you apply

* Subject to the definitions set out in the terms and conditions

Help Loved Ones When You're Gone

 

Bupa Life Insurance

Bupa Injury Cash Insurance

Bupa Accidental Death Insurance

What situations does it cover?

Death by any cause
Terminal illness

Death by accident only

Death by accident only

Cover amounts


The cover amount you choose

Up to $1 million

Choice of $100,000 or $200,000 for death cover

Up to $1 million

Payment for funeral costs


Life insurance claims take a while to settle. Some policies advance part of the benefit quickly to help cover funeral costs

$15,000 advance payment

   

Lump sum payout?


Means when you pass away, your nominated beneficiary/ies will get the entire cover amount in one payment

     

Waiting periods

Suicide not covered for the first 13 months

None

None

Who can apply?

Permanent Australian residents aged 18-64

Permanent Australian residents aged 18-65

Permanent Australian residents aged 18-64

Guaranteed acceptance?3


Guaranteed acceptance products offer cover without asking any health or medical questions

     

10% discount for Bupa health members

     

Additional benefits for Bupa health members

Extra 20% paid on claims for death caused by an accident (up to $50,000 max)

Extra 10% paid on all claims

Extra 20% paid on claims (up to $50,000 max)

Monthly and annual premium payment options

     

Level premiums


Premiums don’t go up as you get older

     

What situations does it cover?

Death by any cause
Terminal illness

Cover amounts


The cover amount you choose

Up to $1 million

Payment for funeral costs


Life insurance claims take a while to settle. Some policies advance part of the benefit quickly to help cover funeral costs

$15,000 advance payment

Lump sum payout?


Means when you pass away, your nominated beneficiary/ies will get the entire cover amount in one payment

 

Waiting periods

Suicide not covered for the first 13 months

Who can apply?

Australian Residents aged 16-64

Guaranteed acceptance?3


Guaranteed acceptance products offer cover without asking any health or medical questions

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

Extra 20% paid on claims for death caused by an accident (up to $50,000 max)

Monthly and annual premium payment options

 

Level premiums


Premiums don’t go up as you get older

 

What situations does it cover?

Death by any cause after 2 years3
Terminal illness

Cover amounts


The cover amount you choose

Up to $50,000

Payment for funeral costs


Life insurance claims take a while to settle. Some policies advance part of the benefit quickly to help cover funeral costs

100% of your cover amount3

Lump sum payout?


Means when you pass away, your nominated beneficiary/ies will get the entire cover amount in one payment

3

Waiting periods

No benefit will be payable in the first 24 months unless it is a result of accidental death

Who can apply?

Australian Residents aged 18-75

Guaranteed acceptance?3


Guaranteed acceptance products offer cover without asking any health or medical questions

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

Loyalty discount on premiums if you hold policy for three years or more
Cover continues free after age 90.

Monthly and annual premium payment options

 

Level premiums


Premiums don’t go up as you get older

 

What situations does it cover?

Death by accident only

Cover amounts


The cover amount you choose

Choice of $100,000 or $200,000 for death cover

Payment for funeral costs


Life insurance claims take a while to settle. Some policies advance part of the benefit quickly to help cover funeral costs

 

Lump sum payout?


Means when you pass away, your nominated beneficiary/ies will get the entire cover amount in one payment

 

Waiting periods

None

Who can apply?

Australian Residents aged 18-65

Guaranteed acceptance?3


Guaranteed acceptance products offer cover without asking any health or medical questions

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

Extra 10% paid on all claims

Monthly and annual premium payment options

 

Level premiums


Premiums don’t go up as you get older

 

What situations does it cover?

Death by accident only

Cover amounts


The cover amount you choose

Up to $1 million

Payment for funeral costs


Life insurance claims take a while to settle. Some policies advance part of the benefit quickly to help cover funeral costs

 

Lump sum payout?


Means when you pass away, your nominated beneficiary/ies will get the entire cover amount in one payment

 

Waiting periods

None

Who can apply?

Australian Residents aged 16-69

Guaranteed acceptance?3


Guaranteed acceptance products offer cover without asking any health or medical questions

 

10% discount for Bupa health members

 

Additional benefits for Bupa health members

Extra 20% paid on claims if you are not claiming under Motor Vehicle (up to $50,000 max)

Monthly and annual premium payment options

 

Level premiums


Premiums don’t go up as you get older

 
Download Table PDF

4 Pre-existing conditions are not covered, except under Bupa Life Insurance and Bupa Serious Illness where you have notified us in writing about a pre-existing medical condition at the time you apply for the cover and we agree to accept it. For terms and conditions relating to pre-existing conditions, read the relevant Product Disclosure Statement.