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Living well programs

What is Living Well?*

*From 1 June 2017, changes will be made to this extras service.

Living Well is a feature on selected Extras covers that provides benefits towards the cost of approved health-related programs. These need to be recommended by your referring healthcare professional as part of a health or chronic disease management program to directly address or improve a specific health or medical condition.

This simply means that if your GP, physiotherapist, occupational therapist, chiropractor, osteopath, exercise physiologist or medical specialist suggests you undertake a health-related program or course to improve your health condition, you may be able to claim part of these costs.

What can you claim under Living Well?

You may be eligible to claim some of the costs of these health-related programs or courses:

  • Gym memberships
  • Children’s swimming programs (on selected covers only)
  • Pilates courses
  • Select yoga courses
  • Nicotine replacement therapy
  • Approved weight management programs

How do you know if you can claim Living Well benefits?

You must be on a level of Extras cover that includes Living Well. You can check your level of cover and eligibility for Living Well benefits (including for children's swimming courses) by logging into myBupa and viewing your cover. Or you can contact our friendly Bupa team on 134 135. It’s also a good idea that you check your remaining limits with us.

A six month waiting period applies to this benefit.

How do you claim on your Living Well benefit?

Click your chosen program to find out more information:

Swimming programs for children

Gym membership



Nicotine Replacement Therapy (NRT)

Weight management

Frequently asked questions

When and how often do I need to complete and submit a Living Well Approval Form?

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To continue claiming Living Well benefits for gym memberships, Pilates courses, select yoga courses or your child’s swimming course, you must submit a new Living Well Approval Form every 12 months. The Approval Form is valid for 12 months from the date it’s signed by your referring healthcare professional.


Who can complete a Living Well Approval Form?

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The Living Well Approval Form can only be completed by a referring healthcare professional who is recommending a course or program to directly address or improve your specific health or medical condition. This can be your GP, physiotherapist, chiropractor, osteopath, occupational therapist, exercise physiologist or medical specialist.

A program provider (eg gym, swim school, Pilates or yoga course/instructor) cannot complete an Approval Form, regardless of whether they are registered with Bupa or not. They will give you a receipt or account for the program or course which you can use to claim Living Well benefits.


Why does my healthcare professional need to complete this form for certain Living Well claims?

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A Living Well Approval From is used to confirm that the health-related course or program is a health or chronic disease management program in accordance with Private Health Insurance legislation.  

A health management program is a program that is intended to improve a person’s specific health condition.

A chronic disease management program is a program that is intended to:

a) Either reduce complications in a person with a diagnosed chronic disease; or prevent or delay the onset of chronic disease for a person with identified multiple risk factors for chronic disease; and

b) Requires the development of a written plan

c) Is coordinated by a person who has accepted responsibility for:

  1. Ensuring the services are provided according to the plan and
  2. Monitoring the patient’s compliance with the agreed goals and activities specified in the plan.

What if I want to claim for a gym membership, Pilates course, yoga course or a swimming program for my child and it’s not for a specific health condition?

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In accordance with legislation, health insurers can only pay a benefit when the service provided is intended to address or improve a specific health or medical condition as part of a chronic disease or health management program.


Can I claim for the cost of getting the Living Well Approval Form completed?

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Costs incurred for the completion of this approval form by your referring healthcare professional are not covered by Bupa.


Can I submit a Living Well claim online through myBupa?

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No. Currently you can’t submit your claim for Living Well online through myBupa.

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Are you already covered for Living Well?

Log in to myBupa to check out your cover

Contact us

134 135
From within Australia

+61 3 9487 6400
From outside Australia

Opening hours
Customer service:
8am - 8pm Mon - Fri EST
8am - 8pm Mon - Fri EST
9am - 1pm Sat EST

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