We've been named
Canstar's Outstanding Value Health Insurance
four years running!
*Minimum direct debit frequency is fortnightly. Price is for a single in NSW under the age of 65. No Lifetime Health Cover loading or age-based discount applied. Includes base tier Australian Government Rebate. Hospital cover price is based on an excess of $750.
Bupa looks after more than just your health
As part of our commitment to supporting you through life’s ups and downs and ups again, we’re making sure you have easy access to the important information you need.
The public hospital queues can be lengthy for elective surgeries, but with private health insurance, you have access to our network of private hospitals, where waiting lists for these surgeries can be significantly reduced.
This means you could get treated sooner in some cases, so you can get on with the more exciting things in life.
Private Health Cover helps cover the cost of doctor and hospital expenses when being admitted to hospital and treated as a private patient. Hospital cover gives you more choice and control if you need to go to hospital.
You’ll be able to choose your doctor, preferred hospital and the timing of your procedure (subject to availability), and you’re likely to wait less time for your procedure.
You get money back in your pocket for services like dental, physio, chiro and podiatry consultations. To help you maximise the value from your cover, you'll get between 60 – 100% back on most services at any of our Members First Healthcare Providers, up to yearly limits.^^
Most Australian residents pay a Medicare levy of 2% of their taxable income to get access to healthcare. But if you're single, earn over $105,000, or a couple, single parent or family earning over $210,000,1 and don't have appropriate hospital cover for the whole year, you may be charged an additional Medicare Levy Surcharge of 1-1.5%.
Maintaining a sufficient level of Private hospital cover (like Bupa Hospital or bundled Hospital and Extras covers) could help you avoid paying the Medicare Levy Surcharge.
Speak to your tax adviser for advice on your personal circumstances.
1Applicable rebate percentages and income thresholds are reviewed annually by the Australian Government. Single parents and couples (including de facto couples) are subject to family tiers. For families with children, income thresholds are increased by $1,500 for each Medicare Levy Surcharge dependant child after the first child. For more information, visit the ATO website.
# Extras service providers must meet certain requirements to be recognised by Bupa and for us to pay towards the cost of your treatment. Waiting periods, yearly limits, policy and fund rules apply. Percentage back may vary depending on benefit claiming restrictions.
† If claimable from another source, a benefit won’t be paid by Bupa. Benefits for ambulance transportation is only payable where the provider describes the transportation as an ‘Emergency’. For more, see the Important Information Guide. There is a 1 day waiting period for emergency ambulance and on-the-spot treatment.
^^ Percentage back may vary depending on your level of cover, and benefit claiming restrictions. For most services at our Members First providers covering dental, physiotherapy, chiropractic and podiatry consultations. Bupa has Members First providers for these services. Not available in all areas. Waiting periods, yearly limits, policy and fund rules apply. Applies to included services only.
* If you’re an Eligible Customer, you’ll receive from Bupa HI Pty Ltd ABN 81 000 057 590 (Bupa) 12 weeks free health insurance (6 weeks free in year 1, then 6 weeks free in year 2 after you’ve held an Eligible Policy for 14 months), plus 2 and 6 month waiting periods waived on extras. Free periods are applied as an extension of the date you’re “paid to” for the Eligible Policy, with the following exception: Annual payers who join through a Bupa sales consultant will have their first payment reduced by the value of 6 weeks and their third yearly payment reduced by the value of 6 weeks. Eligibility: An Eligible Customer must: (i) not have held domestic Bupa health insurance within the last 12 months of their join date; (ii) take out an Eligible Policy, being a combined Domestic Hospital and Extras product or packaged product issued by Bupa (excluding any Gold Hospital Cover); (iii) maintain an Eligible Policy and pay by direct debit for 28 consecutive days from the join date before the 6 weeks free will be applied, and continue to maintain an Eligible Policy for 14 months before the subsequent 6 weeks free will be applied, with the value of the free weeks based on the level of cover held when payment is made; (iv) purchase between 12:00am AEST on 11/06/2026 and 11:59pm AEST on 29/07/2026 and commence their policy by 29/08/2026; (v) provide a valid email address; and (vi) provide a valid promo code if joining online. General: Yearly limits, waiting periods, benefit claiming restrictions, policy and fund rules apply. Not available with any other Bupa offers, or to any customers attached to a corporate group including employees (or contractors) of Bupa, or any other Bupa Group company, or if you join via a price comparator. View full terms and conditions of this offer here: https://www.bupa.com.au/campaigns/health-insurance/twelve-weeks-free-terms