Yes, that's one of the best things about FLEXtras! If you haven't made a claim on a service within the calendar year, you can swap it for another service at any time. If you've already made a claim on a service you'd like to change, you'll need to wait until your limits reset on 1 January to make any changes. You can change your selections through myBupa.

Combining Bupa Hospital cover with FLEXtras is easy. Explore your cover options on the Bupa Health Insurance website and follow these steps:

1. Select your hospital cover
2. Select your FLEXtras services, percentage back, and annual claim limit
3. Hit 'Join Now' to become a Bupa member

Please note: FLEXtras is currently not available for corporate cover. If you’re looking to enquire about FLEXtras for overseas cover, please contact us.

Not everything that keeps you healthy is covered by Medicare. That's why Extras cover can be a big help. FLEXtras gives you more choice and flexibility around how you use your cover, and what you are covered for. Some of the common Extras services include:

Dental check-ups and cleans

Physiotherapy, chiropractic, occupational therapy, and podiatry

Optical products, such as prescription glasses and contact lenses

Providers of Extras services need to be recognised by Bupa so we can pay towards the cost of your treatment.

With FLEXtras, you can choose either four or six Extras services from the following list:

• General Dental
• Major Dental
• Physiotherapy
• Exercise Physiology
• Ante/Postnatal - Midwife
• Remedial Massage
• Acupuncture
• Chinese Herbalism
• Dietary
• Podiatry / Foot Orthotics
• Speech Therapy
• Eye Therapy
• Occupational Therapy
• Mental Health / Digital Mental Health
• Home Nursing
• Travel and Accommodation
• Orthodontics
• Optical Services
• Chiropractic / Osteopathy
• Pharmacy

With Bupa FLEXtras, you can select the percentage amount you can claim back at any recognised provider. You can choose from either 50% back or 60% back. For example, if you select 50% back and you visit your physio, where you spend $100, you'll get $50 back.

You'll only need to pay the difference between the total amount charged by your provider and the benefit Bupa pays. Keep in mind that you'll only be able to claim up to your annual limit.

An annual limit is the maximum amount of money you can claim for a particular service within a calendar year (1 January – 31 December).

We recommend choosing standard limits if you plan on using your Extras every now and then. For example, you plan on visiting the physio three to four times a year.

We recommend selecting higher limits if you plan on using your Extras regularly. For example, you plan on visiting the physio for regular treatment every month.

Yes, you can change your percentage and your annual limits at any time through myBupa. New waiting periods may apply.

If you've served your two-month waiting period, you don't need to re-serve an additional two-month waiting period if you change a selection to a service with the same waiting period. If your new selection has a 12-month waiting period, you'll need to serve this before you’re able to make a claim, regardless of how long you have held the policy.

Yes, FLEXtras is available for all family cover types.

Yes, absolutely. You can change your FLEXtras selections at any time through myBupa, provided you haven't claimed for that service in the current calendar year. If you've claimed for the service you want to change, you'll need to wait until your annual limits reset on 1 January.

If you're an existing health insurance customer and have served your waiting periods, you'll only need to serve waiting periods for services that are not included on your current cover. If you don't have health insurance then standard waiting periods apply.