Before joining check for Members First providers near you.
30-DAY COOLING OFF PERIOD
30-day cooling off period
We're confident you'll be happy with your cover, however if you decide to cancel, we'll refund any premiums you have paid within the first 30 days of your membership commencing provided you haven't made a claim.
Features at a glance
75% back on extras*
Are you eligible for the Government Rebate?
About this coverBack to previous page
View Extras Cover
Gold Extras gives you generous benefits for a wide range of services.
Plus, we'll recognise you for your loyalty with us each year, by adding a Benefit Bonus to the amount you get back each time you claim. So after your first year on a selected extras cover with us, your benefit bonus will increase by 2% each year up to a maximum of 10% (annual maximums apply).
Get more back at Members First providers
What we will pay for
Once you have served any applicable waiting periods you can claim benefits for those services included on your cover and that are not claimable elsewhere (eg from a third party like Medicare).
For example, Medicare does not provide benefits for:
Extras cover allows you to claim benefits for extras services as long as:
We recommend you contact us before making a booking to confirm how much you can claim and to check that your chosen provider is registered with us.
What we won't pay for
Extras benefits will not be payable:
A waiting period is the time between when you joined us and when you are covered for a service or treatment. If you receive a service or treatment during this time, you are not eligible to receive a benefit payment from us, regardless of when you submit the claim. Different waiting periods apply for different services.
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.
If you are an existing member and you change your health cover, you may need to wait before you can access your new benefits. Where your new level of cover is higher than what you previously held, the lower level of benefit applies.
Waiting periods apply to services as listed below. Please refer to the full policy details to determine the specific services that are covered under your level of cover, including the associated waiting periods for those services.
The following waiting periods apply for extras cover:
Understanding your ambulance cover
Emergency Ambulance definition
When you or your partner take out our extras cover, you will receive capped cover for recognised emergency ambulance transport and on-the-spot treatment.
An emergency is when there is reason to believe that the patient’s life may be in danger or the patient should be attended to without undue delay.
Transportation means a journey from the place where immediate medical treatment is sought to the casualty department of a receiving hospital.
Emergency ambulance transportation is defined as air or road transportation by a Recognised Ambulance Provider of an unplanned and of a non-routine nature for the purpose of providing immediate medical attention to a person.
Whether the transportation is deemed an emergency is determined by the paramedic and usually recorded on the account.
Benefits are not payable for:
We recommend that you take out an ambulance subscription with your recognised State Ambulance Provider if it’s available in your state (VIC, SA, NT and rural postcodes in WA). We will only provide ambulance benefits, in accordance with your level of cover, when you do not hold a subscription with an ambulance provider and a state ambulance scheme does not provide cover.
For more extras options visit the Extras Cover page
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Add Pharmacy Saver
Enjoy savings on your pharmaceutical and health care purchases all year round at National Pharmacies stores. With Pharmacy Saver, you'll receive a 20% discount on a variety of health-related products. View details >
Add Pharmacy Saver to your extras cover and enjoy savings on your pharmaceutical and health care purchases all year round at National Pharmacies stores. You'll get a 20% discount on a variety of health-related products.* Pharmacy Saver is not available for prescriptions on which the Government does not allow discounts. Visit a National Pharmacies store for more information.
* These are products designed to manage or prevent diseases, injuries or a condition, or prescribed in connection with an episode of hospital treatment
Member exclusives include a range of discounts and deals from specially selected partners to help you enjoy some health and wellness perks at an affordable price. Whether you're interested in fitness and sports or rest, relaxation and travel, you can choose what suits your needs from our range of partner discounts. Full terms and conditions of all offers are available in the Member Exclusives section of myBupa.