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Explore health insurance information and options as your family grows or changes.
As your family evolves, your health insurance needs to keep pace.
Find out how to get the right cover for your family and life.
As you move through different stages of family life, your cover should adapt to your needs.
Want to browse all our cover options? Explore Hospital cover, Extras cover, Hospital and extras combined, or Ambulance cover.
Year after year, we’ve been recognised by Canstar for the value of our cover. We’re proud of that, and even prouder of what it means for our members.
For more than 75 years, Bupa has been working hard to help people take care of their health and wellbeing. We’ve learned what matters most.
Feel confident you won’t get caught out if your kids end up in hospital.1
Eligible dependants can now stay on your cover until their 32nd birthday.
Claim 100% back on general dental fillings at Members First Ultimate dental practitioners (up to yearly limits).
Stay on budget by paying for just the extras that you want most with FLEXtras.3
You could pay less for selected services that are included in your cover with our Members First providers.4
Have peace of mind that you can access one of Australia’s largest hospital networks.
Simply join online & stay on eligible combined hospital and extras products. We’ll even waive the 2 & 6 month waiting periods on extras!* Offer ends 14 October 2026.
Use promo code 12WEEKSFREE
*T&Cs and exclusions apply. New direct website joins only. 12 weeks free applied over 2 years (3 years for annual payers).
Compare and choose the cover that suits you. If you need help, select the chat button or call us on 134 135.
When you join, we’ll ask about your previous health cover. We’ll let your old health insurer know you're switching, and cancel your old cover.
If you’ve already served waiting periods, you won’t need to serve them again if you’re switching to the same or lower level of cover.œ
Congratulations! If your policy already covers children, you can add your baby within 12 months of their birth and they won't need to serve any waiting periods. If your policy doesn't currently cover children, you'll generally need to add your baby within 90 days of birth to avoid waiting periods.
You can add a person to your policy through Bupa’s secure member portal myBupa, by calling 134 135 (within Australia) or by visiting a Bupa store.
Yes. Children don't need to be covered by both parents' policies. You can choose to add them to one parent's policy while the other parent keeps separate cover.
This can work well if parents need different levels of cover, have separate policies through work, are separated, or share care arrangements. It can also be an option for blended families where family members have different health insurance needs.
The right approach will depend on your family's circumstances. If you're unsure which arrangement is right for you, Bupa can help explain your options.
Explore your family health insurance options.
If your child is eligible, you can pay an additional premium to keep them on your membership. They'll have the same level of cover as the policy they're included on, and any applicable waiting periods will still apply.
Eligibility rules apply, including age and other requirements.
Explore your options for dependents on your policy.
No. Couples cover is available to people who are married or in a de facto relationship.
Explore couples health insurance options.
Not necessarily. Some couples choose to move onto one policy before starting a family because it can make their health insurance easier to manage. You'll have one policy, one premium and one set of policy details to keep track of.
Before making any changes, compare the cover each person needs. If one person wants pregnancy and birth cover, has different healthcare needs, or receives health insurance benefits through their employer, separate policies may still be the better option.
If you're planning a pregnancy, check whether your cover includes pregnancy and birth services and make sure any waiting periods have been served before you need them. Pregnancy and birth services generally have a 12‑month waiting period, so planning ahead is important.
Find out more about couples health insurance.
1 You won’t pay an excess for children (included on your membership) up to the age of 32 if they need to go to hospital. Available on selected hospital covers.
2 Select direct restoration and general fillings only. Benefit claiming restrictions, waiting periods, yearly limits, fund and policy rules apply. Available on all Extras products with general dental at Members First Ultimate providers. Not available in all areas.
3 Choose either four or six extras services. The 50% or 60% claim back is available at any Bupa recognised provider and is subject to yearly limits.
4 Depending on your level of cover, for most services at our Members First extras providers covering dental, physiotherapy, chiropractic and podiatry consultations. Bupa has Members First providers for these services. Not available in all areas. Yearly limits, benefit claiming restrictions, waiting periods, fund and policy rules apply.
œ When switching to Bupa on an equivalent or lower level of cover within 60 days of cover end date with old health fund, provided you already served your waiting period and pending receipt of your clearance certificate. We will apply portability once we receive it.
Adding a new baby
If your policy doesn't cover children yet, add your baby within 90 days of birth to avoid waiting periods. If your policy already covers children, you have 12 months to add them before waiting periods apply.
Adding a child or dependant
You can add a child or dependant to your family or single parent policy. On some Bupa family policies, eligible children can stay covered until their 32nd birthday.
The easiest way to add a child to your policy is to log in to myBupa, Bupa’s secure member portal or call 134 135.
If you're married or in a de facto relationship, you can change from singles to couples cover.
Couples cover isn't necessarily cheaper than having 2 singles policies, but it can make managing your health insurance easier. You'll have one policy and premium to manage, plus combined tax information for you and your partner.
If you're planning to have a baby, it's also important to plan your health cover.
Pregnancy, birth and assisted reproductive services such as IVF are included on Gold Hospital cover. A 12-month waiting period is standard.
Make the most of your extras
Things like physio, massage or midwife visits might be covered under extras. Check what's included, plus any waiting periods or yearly limits, so you don't miss out.
If you’re a single parent, you may be able to choose family cover or singles cover with children.
If you share care
Only one parent needs to include the children on their policy. If you share care, decide which parent will cover the children, then choose the policy that best suits your family's needs.
Choosing your cover
Think about the cover that's right for your family and the health services you're most likely to use.
As circumstances change
Review your cover if your care arrangements or family needs change.
You can change your cover after becoming pregnant, but pregnancy and birth services generally have an industry-standard 12‑month waiting period. This means taking out or upgrading cover during pregnancy is unlikely to provide cover for that pregnancy or birth.
Explore pregnancy cover options.
On some Bupa family policies, eligible children can stay covered until their 32nd birthday. After that, they'll generally need their own policy to remain covered. In some circumstances, waiting periods already served may be recognised when moving from a family policy to an individual policy.
Explore your options when managing a dependent’s membership.
Whether you're adding a partner, welcoming a baby, separating, or updating who's covered on your policy, you can manage many membership changes through Bupa's secure member portal, myBupa. If you need help, call Bupa on 134 135 and we'll talk you through your options and any changes you may need to make to your cover.
