Digital Membership Card

All our health insurance members above 15 years of age are eligible to download and use their own digital membership card.

You can use your digital membership card for Extras services* at any provider using a HICAPS, Tyro Health, or CommBank Smart claiming terminal. Members with Overseas Visitors Cover can use their digital membership card at GP visits provided HICAPS, Tyro Health, or CommBank Smart payment terminal is available. A small portion of providers use a network that isn’t compatible with your digital membership card. For locations where your digital membership card is not accepted – you can claim easily online to receive your benefit using myBupa.

*For services included on your cover. Subject to remaining limits, yearly limits, waiting periods, fund and policy rules.

You can use your digital membership card for Extras services* at any provider using a HICAPS payment, Tyro Health, or CommBank Smart claiming terminal. Members with Overseas Visitors Cover can use their digital membership card at GP visits provided HICAPS, Tyro Health, or CommBank Smart payment terminal is available. A small portion of providers use a network that isn’t compatible with your digital membership card. For locations where your digital membership card is not accepted – you can claim easily online to receive your benefit using myBupa.

*For services included on your cover. Subject to remaining limits, yearly limits, waiting periods, fund and policy rules.

At Bupa, we take your security seriously to ensure that your data is protected and your digital membership card is safe and secure. We use industry-standard encryption and other controls to ensure we keep your information secure. You can find out more about our data security in our Bupa Privacy and Security policy. 

When you add your membership card to Apple Wallet, all the information is stored on your device and encrypted. All information sent to the HICAPS, Tyro Health, or CommBank Smart terminal is encrypted, and Apple doesn't receive any transaction information.

For more information on Apple Privacy, visit Apple Privacy.

Download the myBupa app.

Make sure you have your Bupa membership number and personal details close-to-hand in order to register.

For services such as Telehealth, you may be required to provide your Bupa membership card number. You can find this number by logging into the myBupa App and clicking the dropdown arrow next to your product name. Your card number will be the 19-digit number displayed next to 'Card number'.

iOS devices and Apple Watch
For iPhone and Apple Watch, add the digital card to Apple Wallet from the myBupa app on iPhone.

Your device will need to run iOS 15 or later. ds

Please note: currently digital cards only work at providers using HICAPS, Tyro Health, or CommBank Smart payment terminals.

Android devices
For Android devices, you'll find your digital card on the app's home screen. You'll need to have a device compatible with Android 10 or higher.

Please note: currently digital cards only work at providers using HICAPS, Tyro Health, or CommBank Smart claiming terminals.

Make sure:

• You’re covered for the service you’re trying to claim
• You’ve served any waiting periods
• You haven’t exceeded your yearly limits

You can check your 'Extras Usage'^* in myBupa before you use your cover. You can find out how much you can get back by going to:

myBupa > Manage Your Cover > Get An Estimate

Get 60-100% back on most services when you visit Extras providers who are part of our Members First network (up to yearly limits). See if your provider is part of our network:

*Please note: not all customers are able to view their Extras Usage on myBupa as this feature is not extended to all products at this time.

For iOS devices and Apple Watch:

To process your health claim with iPhone or Apple Watch:

1. On iPhone with Face ID and Apple Watch, double click the Side Button.
   On iPhone with Touch ID, double click the Home Button from the Lock Screen.
2. Tap your myBupa pass in Wallet.
3. Hold iPhone or Apple Watch near reader.

If you have more than one person on your card, you can get the Patient Number by tapping the more button when viewing the pass, or from the myBupa app.

Still need help on how to use Wallet on your iPhone and Apple Watch? Here's more info.

For Android devices:

1. Open the myBupa app and tap on your card.
2. Hold your device near the HICAPS, Tyro Health, or CommBank Smart terminals.
3. The provider will ask for your two-digit member number which is next to your name on your digital membership card.

Once you tap and claim, your device will receive a confirmation. Within 1 hour you should see your claim in ‘Claims History’ in the myBupa app.

There may be several reasons why your claim is rejected:

• Make sure your policy is up to date and that you’re covered for the service
• Check that your waiting periods have been served
• Make sure you haven’t reached your yearly service limit 

You can check your 'Extras Usage'* in myBupa.

^*Please note: you might be unable to view some Extras Usage on myBupa, as this feature is not extended to all products at this time.

If you need help to disable your digital membership card to prevent any fraudulent claims or require any further support, call us on 134 135 8am to 8pm Monday to Friday AEDT.

For Apple devices:
Find My iPhone on the web or use the Find My app on another Apple device. If your iPhone is lost or stolen, here's more info. 

For Android devices:
Most Android devices support a 'Find my device' feature that allows you to remotely erase all of your phone's data. You can also contact your phone provider.

If you're experiencing any technical difficulties with your Bupa digital membership card, call us on 134 135 8am to 8pm Monday to Friday AEDT.

For Apple devices where you are experiencing technical difficulties such as any device or Apple Wallet related queries:

How to use Wallet

Or:

Contact Apple Support

For Android devices, please ensure you have NFC enabled on your device before you tap and claim at your provider's terminal.

For Apple devices, you can use Apple Pay to make your gap payment either on your iPhone or Apple Watch. You need to have added your card to Apple Wallet. Here's more information on how to set up Apple Pay.

For Android devices, you can use Google Pay to make your gap payment. Here's more information on how to set up Google Pay.