Private health insurance has so many benefits even though you can now access the public health system. Bupa can help you avoid large out-of-pocket costs, skip long public hospital waiting lists and get some money back on extras services like dental and optical. You could even save at tax time. Whatever your budget, Bupa has cover to suit your needs.

Popular options for every budget

*Minimum direct debit frequency is fortnightly. Price is for a single in NSW under the age of 65. No Lifetime Health Cover loading applied, and base tier Australian Government Rebate included. Price does not include age-based discount. Hospital cover price is based on an excess of $750.


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Get in touch with us to cancel your OVC or OHSC cover. We can also help you find the best policy for your stage in life. 

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The way you're covered will change with your new health insurance policy. Outpatient medical services (such as going to a General Practitioner (GP), visiting a specialist, or getting a blood test) can only be covered through Medicare, which is the public health system.

The way we pay for inpatient procedures is also different. When you're admitted to hospital for a procedure that's included in your level of cover (and that you've served waiting periods for), we'll pay the hospital fees and we’ll work with Medicare to cover your doctor’s costs, up to the Medicare Benefit Schedule (MBS) fee.

Having private health insurance as an Australian resident means you may avoid lengthy hospital waiting lists and you also get to choose the doctor who'll be treating you.

You won’t be locked into a contract. You can also change your cover anytime you like. When you change your cover, you may have to serve waiting periods.

You can do this online through the website chat, over the phone by calling 134 135 or in person at a Bupa shopfront.

All health insurance providers need to offer the same minimum coverage across hospital cover product tiers. The Australian government introduced this system to make it simpler to compare your private health insurance options.

The tiers are:

  • Basic – Entry-level cover for some hospital clinical categories
  • Bronze – Cover for common hospital clinical categories
  • Silver – Cover for a wide range of hospital clinical categories
  • Gold – Cover for all hospital clinical categories

Read more about the different health insurance tiers

If you have a family membership which includes an eligible hospital cover (with or without extras cover), Bupa Family Plus adds an extra premium to your normal Bupa premium so your dependant can stay on your policy. The additional premium covers one or more Family Plus dependents registered on your membership. Because your dependant will be on your membership, they’ll have exactly the same cover as you, subject to any relevant waiting periods.

Read more about Bupa Family Plus

¤ 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.

¢ 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.

^ 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.

¥ Subject to availability and eligibility. Private room must be booked and requested at least 24 hours before admission. For every night a private room is unavailable, you’ll receive $50 back per night from the hospital. Applies to overnight admissions only. Excludes nursing home type patients, emergency care, same-day stays or where a private room is not medically appropriate. Not available in the NT. Any co-payment excess as part of your cover will still apply.

† 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.