No matter your age or if you’re retired or not, health insurance should give you peace of mind that your health can be taken care of. Bupa health insurance can help you avoid long public hospital waiting lists and have less out of pocket for any medical treatment you may need at a private hospital. From caring for your health to providing you information on healthy ageing, Bupa has something to suit your lifestyle, budget and stage in life.

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.


None of these products right for you? Explore Hospital | Extras | Hospital + Extras | Packages

We have lots of ways you can get in contact with one of our customer service team. You can talk to us:  

You can also request a call back.

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.
You can start claiming as soon as you’ve served your waiting periods.

Different treatments and services have different waiting periods.

We apply the following waiting periods to domestic hospital cover:

  • No waiting period for medical treatment needed due to an accident sustained after joining.
  • 12 months for pre-existing conditions, ailments, or illnesses.
  • 12 months for pregnancy and birth.
  • 2 months for travel and accommodation.
  • 2 months for hospital psychiatric services, palliative care and rehabilitation.
  • 2 months for all other treatment included under the hospital product held.

We apply the following waiting periods for extras cover:

  • 6 months for health management.
  • 6 months for hire and repair of health aids and appliances.
  • 12 months for health aids and appliances.
  • 12 months for major dental and orthodontics.
  • 12 months for foot orthotics.
  • 2 months for all other services included under the extras product held

You can check your hospital out-of-pocket cost with our Out of pocket tool.

You can also use Find a provider to check if your chosen extras provider is a Members First or Members First Platinum member with us. If not, call us to check if they’re a recognised provider with us.

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.