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Compare health covers

Health insurance cover for:

Choosing private health insurance should be as worry-free as possible. Based on the information that you have given us, the following covers that may suit your needs.


    Hospital products
    Package products


Cover level


For inpatient services included on cover
Accommodation for overnight and same day stays
Operating theatre, intensive care, ward fees
Bupa Medical Gap Scheme Available
Surgically implanted prostheses
Accidents sustained after joining
Knee arthroscopy & meniscectomy procedures
Removal of tonsils and adenoids
Dental Surgery
Minor gynaecological surgery
Psychiatric services
Rehabilitation services
Pregnancy (childbirth)
Assisted reproductive services (IVF)
Cardiac & cardiac related services
Renal dialysis for chronic renal failure
Cataract & eye lens procedures
Hip/knee replacement (including arthroplasty, revision and resurfacing procedures)
All other joint replacements
Gastric banding and obesity related services
Abdominoplasty and lipectomy
All other inpatient treatments receiving a Medicare benefit
Additional items:
Emergency ambulance services
Family in-hospital benefit that helps pay for in-hospital partner/family accommodation or meals
Health Subscription refunds
Unemployment cover
Best Doctors
Ultimate Advice Line
Excess or co-payment options
Excess Options


    Extras products
    Package products


Cover level


Back on extras at Members First providers*
General Dental
Major dental
Chiropractic and osteopathy
Antenatal and postnatal
Natural Therapies
Health Management Extras Service
Speech Therapy
Eye Therapy
Occupational Therapy
Home Nursing
Health aids and appliances
Travel and accommodation expenses
Emergency Ambulance Services

My selection

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No extras cover selected
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    I have a child aged 21-25 and who is not a fulltime student
  • My location and needs... Please tell us what you're looking for
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Government Rebate

The Government offers all Australian residents who are entitled to Medicare benefits an income-tested rebate on their private health insurance.

The government now income tests the rebate on private health insurance. One way you can save up-front is to claim the rebate as a reduction on your premium, would you like to do that now?

For individuals earning $90000 ($180000 for families*) or under
*This increases by $1,500 per child after the first child
If at any stage you wish to nominate a new income tier or stop receiving the Australian Government Rebate as a reduced premium, you must notify your health fund as soon as possible.

grey hollow iconChildren receive full cover for shared room accommodation in Members First, Network and public 

        hospitals, while parents receive benefits for shared room accommodation in public hospital only, with 

        choice of doctor

green tick iconCovered

orange cross iconNot Covered

tick asterisk iconOnly covered if resulting from an accident after joining this cover and requiring immediate medical attention

minimum benefits icon Minimum benefits only

service bonus dollars Services/bonus dollars. 100% covered services and eligibility for bonus dollars.
A set number of services will be paid in full each year by Bupa when you visit Members First providers.
Bonus dollars can be put towards out-of-pocket extras expenses at Members First providers only.

bonus dollars Bonus dollars. A total amount that can be used across all extras services covered per person, per calendar year when visiting a Members First provider.

optical voucher with bonus dollars Bupa Optical voucher and bonus dollars.

phone consultations Phone consultations. A set number of telephone consultations with a Bupa dietitian per person, per calendar year.

^ You are covered on a set number of included Simple Start services at Members First healthcare providers only.

* For most items at our Members First extras providers covering dental, physio, chiro, podiatry and selected optical. Excludes orthodontics and hospital treatments. Fund and policy rules, waiting periods and yearly limits apply.

Excluded Services: Please note that should you require treatment for a service which is excluded from your level of cover, no benefits are payable by Bupa for any of the hospital or doctor's charges associated with that admission.

Please note: the above quote is for a $500 per person excess ($250 per person excess for Choices) for residents of the selected state, it does not include a Lifetime Health Cover loading and includes your selected Australian Government Rebate on private health insurance. From 1 July 2012 the Australian Government Rebate on private health insurance became income tested.

Before applying to join any of the Bupa hospital or extra cover options, it is important that you read and understand the product information for the cover you have chosen. We also recommend that you retain the product information for future reference.

Waiting periods and annual maximums apply.

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