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Health Insurance

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Nothing compares to quality health cover

Wish it was easier to compare policies? Want to learn how to spot quality cover? Our guides below can help you become more informed about private health cover.

Why do I need private health insurance?

Why do my premiums go up every year?

Top 6 ways Bupa gives you more

Top tips for comparing health cover

7 clever ways families can get more value from private health insurance

Preparing for pregnancy with private health insurance

The Bupa difference

 

Bupa Plus

Even when you’re in great health, there are still plenty of ways to get everyday value thanks to Bupa Plus. An exclusive range of rewarding health discounts, tools and more to help you live a healthier, happier life.
Find out more

 

Cover beyond Medicare

Do you go to the dentist? Do you need to see a physio? Dental, optical, physio, chiro and many more services like these are usually not covered by Medicare. Having Extras cover allows you to claim some of those fees back. It’s cost effective and allows you to be proactive in managing smaller health issues before they become bigger problems. Plus, if you visit our Members First extras provider, depending on your choice of cover, you can get between 60% and 100% of the cost back (up to yearly limits).#

 

Privacy when it counts

We believe that the word ‘private’ should actually mean private. That’s why whether you choose a basic or top hospital cover with us, you’ll be covered for a private room in most private hospitals across Australia for the services included on your policy.* Plus if you pre-book at a Members First hospital you’ll receive a private room or you’ll get $50 back per night1.

 

13SICK, National Home Doctor Service

We understand that illness can strike at any time, including after hours when your GP is not available. That’s why our members have complimentary access to After Hours Plus from 13SICK National Home Doctor Service. This means when you book a bulk-billed home visit, common medications can be provided on the spot, at no cost so you can start getting well sooner.
Find out more

 

Gap free for kids+

Our range of family packages include gap free for kids on most dental, physio, podiatry consultations, and selected optical packages at Members First providers. Plus, selected optical packages are also gap free for mums and dads at Members First providers. Yearly limits apply.

 

More value with Members First

We’ve built great relationships with thousands of providers in our Members First extras network, which includes dentists, physios, podiatrists, chiros, and optical providers nationwide. It means you’ll have more choice, and in most cases, less to pay for your treatment. Depending on your choice of cover, you can get between 60% and 100% of the cost back (up to yearly limits)#.

Choose from a range of quality cover options

Show me prices for

Active Saver

                *

per week

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Basic hospital

 

Emergency ambulance

 

General dental

 

Physio & Chiro

Young Singles Choice

                *

per week

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Basic hospital

 

Emergency ambulance

 

General & major dental

 

Physio & Chiro

 

Optical

 

Travel vaccinations

  • Accidents sustained after joining
  • 1x emergency ambulance trip per calendar year from a recognised provider
  • Knee arthroscopy
  • Private room at Members First hospitals or $50 back per night1
  • Includes $100 co-payment if you go to hospital
  • Dental, physio, chiro, podiatry and more
  • Major dental (covered as a result of an accident)
  • Claim up to $1000 back on all extras per year

1. Private room not covered for minimum benefit services or exclusions. Subject to availability and where clinically appropriate. Private room must be booked and requested at least 24hrs before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital.

  • Accidents sustained after joining
  • 1x emergency ambulance trip per calendar year from a recognised provider
  • Knee arthroscopy
  • Private room at Members First hospitals or $50 back per night1
  • Includes $50 co-payment if you go to hospital
  • General and major dental
  • Physio, chiro, podiatry, optical, natural therapies, dietary, and pharmacy benefits
  • 100% cover for travel vaccinations up to yearly limits
  • $75 Top-up Bonus towards any out-of-pocket extras
  • 100% cover for travel vaccinations up to yearly limits
  • At least 60% back on most dental, physio, chiro and podiatry consultations at Members First providers (up to yearly limits)2

1. Private room not covered for minimum benefit services or exclusions. Subject to availability and where clinically appropriate. Private room must be booked and requested at least 24hrs before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. 2. Fund and policy rules, yearly limits, lifetime limits and waiting periods apply.

Budget Family

                **

per week

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Basic hospital

 

Gap free for kids

 

General & major dental

 

Orthodontics

 

Optical

 

Top Up Bonus

Growing Family

                **

per week

Get quote
 

Mid-level hospital

 

Pregnancy

 

Antenatal and postnatal

 

General & major dental

 

Natural therapies

 

Top up Bonus

  • Family hospital cover including cardiac
  • No excess to pay if your child is admitted to hospital2
  • Private room at Members First hospitals or $50 back per night1
  • Includes $500 excess if you go to hospital
  • A wide range of extras including orthodontics and natural therapies3
  • Gap free for kids on most dental, physio, podiatry consultations, and selected optical packages at Members First providers (up to yearly limits)4
  • Gap free on selected optical packages for mums and dads at Members First providers (up to yearly limits)3
  • $100 Top-up Bonus towards any out-of-pocket extras expenses
  • At least 60% back on most dental, physio and chiro at Members First providers5

1. Private room not covered for minimum benefit services or exclusions. Subject to availability and where clinically appropriate. Private room must be booked and requested at least 24hrs before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. 2. Child dependants only 3. Fund and policy rules, yearly limits, lifetime limits and waiting periods apply. 4. For most items covering dental, physiotherapy, podiatry consultations, and selected optical packages. Excludes orthodontics and hospital treatments. Child dependants only. Fund and policy rules, and waiting periods apply. 5. For most items covering dental, physiotherapy, and chiro. Fund and policy rules and waiting periods apply. Excludes orthodontics and hospital treatments.

  • Family hospital cover including cardiac and pregnancy and childbirth6
  • No excess to pay if your child is admitted to hospital2
  • Private room at Members First hospitals or $50 back per night1
  • Includes $500 excess if you go to hospital
  • A wide range of extras, including antenatal and postnatal services such as parenting classes and breastfeeding support at recognised providers3
  • Gap free for kids on most dental, physio, podiatry consultations, and selected optical packages at Members First providers (up to yearly limits)4
  • Gap free on selected optical packages for mums and dads at Members First providers (up to yearly limits)3
  • $100 Top-up Bonus towards any out-of-pocket extras expenses
  • At least 60% back on most dental, physio and chiro at Members First providers5

1. Private room not covered for minimum benefit services or exclusions. Subject to availability and where clinically appropriate. Private room must be booked and requested at least 24hrs before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. 2. Child dependants only 3. Fund and policy rules, yearly limits, lifetime limits and waiting periods apply. 4. For most items covering dental, physiotherapy, podiatry consultations, and selected optical packages. Excludes orthodontics and hospital treatments. Child dependants only. Fund and policy rules, and waiting periods apply. 5. For most items covering dental, physiotherapy and chiro. Fund and policy rules and waiting periods apply. Excludes orthodontics and hospital treatments. 6. 12 month waiting period applies.

*Private room not covered for minimum benefit services or exclusions. At Bupa agreement hospitals only, room availability and eligibility criteria apply. 1. Subject to availability and eligibility. Private room must be booked and requested at least 24hrs before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. Applies to overnight admissions only. Excludes ‘nursing home type patients’, emergency care, same-day stays or where a private room is medically inappropriate. Contact us for details.

+ For most items covering dental, physiotherapy, podiatry consultations, and selected optical packages. Excludes orthodontics and hospital treatments. Child dependants only. Fund and policy rules, and waiting periods apply. Available on all family packages, Ultimate Health Cover, Silver, Gold and Platinum Extras when taken with hospital cover on a family membership.

# For most items covering dental, physiotherapy, podiatry consultations, chiro, and selected optical packages. Excludes orthodontics, orthotics and hospital treatments. Fund and policy rules, waiting periods apply.