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Get Bupa Health Insurance.

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Get health cover with real value.

Looking for health cover that gives you real value? Our guides below can help you
become more informed about private health insurance, and provide you with tips on how to get more out of your cover.

Why should I get private health insurance?

With access to Medicare for Australians, many people are asking why should I get private health insurance? Although the reasons differ for many of us, here are the main advantages:

  • 1. Avoiding waiting lists by choosing a private hospital - public hospital waiting lists can be extremely lengthy

  • 2. Your choice of doctor – health insurance allows you to choose your doctor in advance

  • 3. Accidents happen - Something unexpected could land you on a public hospital waiting list for months for non-emergency treatment

  • 4. You could pay less tax - If you’re single, earn over $90k a year (or a couple earning over $180k) and don’t have appropriate hospital cover for you and all your dependants over the whole year, you may be charged the additional Medicare Levy Surcharge (MLS) of 1-1.5%.
    Speak to your tax adviser for advice on your personal circumstances

Top 5 ways Bupa gives you more


Here are five reasons our 4 million health insurance members experience value every day.

  • 1. Privacy when it counts

    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*.

  • 2. Less to pay with Members First

    Our Members First network includes thousands of dentists, physios, chiros, podiatrists and optical healthcare providers nationwide. This means more choice, and, in most cases, less to pay.

  • 3. Fewer surprises

    We believe you shouldn't be blindsided by the cost of hospital treatment. We have agreements with most private hospitals and day surgeries to give you more certainty about your hospital visit well before you arrive.

  • 4. 13SICK National Home Doctor’s Service

    We’ve teamed up with National Home Doctor’s Service to provide our members with free access to After Hours Plus. This means when you book a bulk-billed home visit, the doctor can provide common medications on the spot, at no cost to you.

  • 5. Bupa Plus

    Even when you’re in great health, there are still plenty of ways to get everyday value from your cover. Bupa Plus is an exclusive range of rewarding health discounts, tools and more to help you live a healthier, happier life.

*Private room not covered for minimum benefit services or exclusions. At Bupa agreement hospitals only, Room availability and eligibility criteria apply. Applies to overnight admissions only. Excludes ‘nursing home type patients’, emergency care, same-day stays or where a private room is medically inappropriate.

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

  • 1. Gap free for kids

    Did you know that on Bupa family packages, you will pay nothing for your kids on most visits to a Members First dentist, physio, chiro, podiatrist, as well as selected optical packages, up to yearly limits.^

  • 2. National Home Doctor’s Service

    We’ve teamed up with National Home Doctor’s Service to provide our members with free access to After Hours Plus. This means when you book a bulk-billed home visit, the doctor can provide common medications on the spot, at no cost to you.

  • 3. Bupa Medical Gap Scheme – A “gap” is a term which describes the amount you need to pay over and above what you get back from Medicare and your health insurer. To reduce gap costs, we have arrangements that can minimise medical costs while admitted to hospital, known as the Bupa Medical Gap Scheme.

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

Preparing for pregnancy with private health insurance


When you begin looking into things like hospitals, doctors and birth plans, choosing an option that suits you can seem like a minefield. Here are some questions to ask yourself:

  • 1. Do I need private health insurance?

    If you want to select your hospital, choose an obstetrician and see the same one throughout your pregnancy, then having private health insurance may be the right option for you.

  • 2. When should I get cover for pregnancy?

    Many people don’t realise that you need to serve a 12-month waiting period before you can claim costs from your health insurer, so if you’re thinking about having kids soon, it might be worth taking out cover early.

  • 3. What kind of health insurance do I need?

    Take care when choosing or upgrading your cover, as not all health insurance policies cover hospital costs for pregnancy. Many lower cost policies may only cover minimum benefits for pregnancy (including childbirth).

  • 4. What will it cost me?

    Many people assume that private health insurance will cover the majority of costs associated with having a baby. However, it can only help cover costs for ‘inpatient’ services – meaning those services you receive while you’re admitted to a hospital. Our Bupa Medical Gap Scheme can help further reduce or eliminate these costs.

The Bupa difference

 

Fewer surprises at hosptial

Reduce your medical costs with the Bupa Medical Gap Scheme.

Find out more

 

Privacy when it counts

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.*

 

Gap free for kids+

Pay nothing for your kids on most dental, physio, chiro, podiatry consultations, and selected optical packages till they’re 25, up to your yearly limits at Members First providers. Available on family packages.

 

13SICK National Home Doctor Service

Complimentary access to After Hours Plus from 13SICK National Home Doctor Service. This means common medications provided on the spot, by a doctor, at no cost to you.

Find out more

 

Less to pay with Members First

We’ve made great relationships with thousands of dentists, physios, chiros, podiatrists and optical providers. We call them Members First healthcare providers. By choosing from this network, you will in most instances, have less to pay.#

 

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.

Choose from a range of quality cover options

Show me prices for

Budget Hospital from

                *

per week

Get quote

Emergency ambulance

Knee arthroscopy

Tonsils & adenoids

Rehabilitation

Cardiac

Cancer

Young Singles Choice from

                *

per week

Get quote

Basic Hospital

Emergency ambulance

General & major dental

Physio & Chiro

Optical

Travel vaccinations

Top-up Bonus

  • Accommodation and operating theatre fees
  • Accidents sustained after joining
  • 1x emergency ambulance trip per calendar year from a recognised provider
  • Knee arthroscopy
  • Appendicitis
  • Removal of tonsils and adenoids
  • Minor gynaecological surgery
  • Cardiac
  • Cancer1
  • Clinically necessary cosmetic surgery
  • All other hospital treatments receiving a Medicare benefit
  • Includes $500 excess if you go to hospital.

1. Some non PBS drugs may not be covered.

  • 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, 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
  • 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, lifetime limits and waiting periods apply. Excludes orthodontics, orthotics, and hospital treatments

Budget Family from

                **

per week

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Basic hospital

Gap free for kids

General & major dental

Orthodontics

Optical

Top-up Bonus

Growing Family from

                **

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, chiro, 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, podiatry consultations and chiro at Members First providers (up to yearly limits)5

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, orthotics and hospital treatments. Child dependants only. Fund and policy rules, and waiting periods apply.
5. For most items covering dental, physiotherapy, podiatry consultations and chiropractic. Fund and policy rules and waiting periods apply. Excludes orthodontics, orthotics and hospital treatments.

  • Family hospital cover including cardiac, 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 antenatal classes and breastfeeding support at recognised providers.3
  • Gap free for kids on most dental physio, chiro, 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 and physio, chiro, and podiatry consultations at Members First providers (up to yearly limits)5

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 and waiting periods apply.
4. For most items covering dental, physiotherapy, chiropractic, podiatry consultations, and selected optical packages. Excludes orthodontics , orthotics, and hospital treatments. Child dependants only. Fund and policy rules, and waiting periods apply.
5. For most items covering dental, physiotherapy, podiatry consultations, and chiro. Fund and policy rules and waiting periods apply. Excludes orthodontics and orthotics and hospital treatments.
6. 12 month waiting period applies.

Find your best matching cover here

*Private room not covered for minimum benefit services or exclusions. At Bupa agreement hospitals only, room availability and eligibility criteria apply.

+ For most items covering dental, physiotherapy, podiatry consultations, and selected optical packages. Excludes orthodontics orthotics and hospital treatments. Child dependants only. Fund and policy rules, and waiting periods apply. Available on all on sale 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.