Health insurance made easy with Bupa
All your information in one spot with the myBupa app
Hassle free claims with our digital card
Get more from your cover with Bupa Rewards
How do you compare health insurance?
There is a lot of information to get across and important details can be tough to find. We've put together a list of key things to pay attention to when you're choosing the right private health insurance for you.
|What do people look for in an insurer?||This is what Bupa offers you|
|Value for money||The prices of our premiums include access to a network of hospitals and specialists with agreements to keep costs low for Bupa customers. You also get access to many unique benefits and savings on health products and tools, through Bupa Plus.|
|Out of pocket costs||The Bupa Medical Gap Scheme is designed to remove or reduce the medical costs you pay when you're admitted to hospital. If your doctor has signed up to the scheme, and agrees to use it for your treatment, it reduces the costs you pay.|
|Easy to claim||We have a variety of tools you can use to make it easier than ever to claim, like our cross-platform app and digital card. You have 24/7 access to your information and statements.|
|Customer support||We're here to help. We have dedicated phone staff, webchat and access through the myBupa app. Your experience matters to us and it helps shape the way we improve Bupa and develop our products.|
|Discounts||There are a few ways that you could save money on Bupa cover. If your employer has an agreement with us, you might be entitled to a discount. Check with your employer or use our corporate search tool to find out. Not all insurers offer age-based discounts, but we do! By joining Bupa when you're young, you could reduce the cost of your premiums. Find out if you're entitled to a discount with our age-based discount calculator.|
Compared to our big competitors+, with Bupa you get…
The highest percentage of hospital related charges covered1
Our bodies are complex and when things go wrong, you don't want to worry about your treatments. We support a range of hospital charges to give you peace of mind. Use our surgery cost calculator to see the breakdown of costs for major treatments.
The most medical services with no gap1
When you go to hospital, your costs are made up of two sets of fees charged by the hospital and by the doctors or specialists who treat you there. We've made agreements with both of these to save you money so that you can go into your treatment knowing exactly what's coming out of your pocket.
The highest fund benefits paid out2
The Bupa Members First Extras Network helps our members pay less for most services that are included in their Extras health cover such as most dental, physio, chiro and podiatry.
+Of private health insurers with a market share over 10% 1Commonwealth Ombudsman State of the Health Funds Report 2021 2APRA Operations of Private Health Insurers Annual Report data 2020-21
Switch in 3 simple steps
Join Bupa online or by phone and we'll do the paperwork
We'll let your previous health fund know you’re switching. We'll cancel your membership and do the paperwork for you.
Enjoy the benefits right away. You don't need to re-serve waiting periods*
We recognise any waiting periods you served with your previous health fund. You can make the most of your Bupa cover right away.
*When switching to Bupa on an equivalent or lower level of cover within 60 days of cover end date with old health fund.
Frequently asked questions
Why do all private health insurers provide cover in the tiers (Gold, Silver, Bronze, Basic)?
The Australian Government introduced a tier system for private health insurance funds to help make it easier for people to pick an appropriate level of hospital cover. Now that all hospital cover tiers include a minimum and standardised coverage of clinical categories, consumers can make comparisons between different funds.
Although the tiers guarantee a minimum level of cover, some insurers like Bupa, provide more than the government requirement. These plans are labelled with plus, e.g. Bronze Plus Simple Hospital.
Read more: Overview of cover tiers