Already a member?

We get it. Health insurance can be confusing.
We want to make it easier for you. Find out how to make the most of your cover, so you can live a longer, healthier, happier life.

myBupa - at your service 24/7

Using and understanding your health insurance can take some getting used to. To help you make the most of your cover, we've created myBupa - an online tool to help make it easier to use and manage your cover.
With 24/7 access across laptop/desktop and mobile, your cover is at your fingertips. With myBupa, you'll be able to:

  • Submit claims
  • Check your claims history
  • See what you're covered for
  • Find a provider
  • Access rewards and discounts
  • Update your details - and more!

Get to know what you're covered for.

Before you seek any treatment it's important for you to understand what you're covered for.

Call us on 134 135 so we can give you the most complete and up-to-date information about your cover.

Waiting periods

It's also important for you to check if any waiting periods apply to certain services on your cover.

What's a waiting period?

From the time when you first join a health fund or change to a higher level of cover a waiting period is the period of time before benefits are payable for certain medical procedures or services. A waiting period starts on the date that you enter Australia or the date that you start your membership, whichever is the later date. That is, if you apply for health insurance cover before coming to Australia, the cover and the waiting periods only commence when you arrive. It is important you understand what services you won’t be covered for immediately after you join.

Before seeking treatment

What if I need treatment before my waiting period has ended?

You might not be able to receive anything from Bupa to cover treatment costs if you receive a service or treatment within your waiting period. Always contact us to check first, just in case! Otherwise it could end up costing you a lot of money.


With Bupa OVC or OSHC , you'll be able to claim for most Medical and Extras services online.^

If you were treated at a Members First or Network Hospital, you may not even see a bill as these hospitals will send it directly to Bupa to take care of it for you.

If you receive a bill for a service covered by your cover, you can submit a claim.^

Looking for other ways to claim?

If you're looking for another option, check out our page here.


Call Us

134 135 from within Australia,
+61 3 9487 6400 from outside Australia.

Our opening hours are:
8am - 8pm Monday to Friday and
9am - 1pm Saturday
(All times in AEST)

Looking for other insurance? Use to find what you are looking for.


Already a member? Login to myBupa to check your claims.

Chinese Sales Enquiries

1300 368 623

Terms and conditions

^ Yearly limits, waiting periods, fund and policy rules apply.
* All health aids and appliances are exempt. Claiming is still subject to conditions of your cover, including waiting periods and limits.
+ Most online claims processed within 24 hours unless a manual assessment is required.
± Google Play is a trademark of Google Inc.