Health Cover
Understanding your cover
Bupa’s OSHC provides cover for hospital and medical treatment.
Hospital expenses covered
In most cases, we’ll pay for the following services when you’re in hospital, including:
Medical expenses covered
Each doctor or specialist that treats you will charge a fee for the service they provide. This also includes most tests you may be sent to have by your doctor including pathology and radiology services.
Outpatient pharmacy
If you're prescribed pharmacy items by a doctor, specialist or when you have visited hospital and not been admitted, you can claim back $50 per approved prescription item, up to $300 (single) or $600 (couple/family) per year.
Emergency Ambulance Services
You can claim for emergency ambulance transportation and on-the-spot treatment by our recognised providers anywhere in Australia.
Extras services such as a dental check-up, physio, podiatry consultations and chiro. Add OSHC Extras to include these services
We may not pay some or all of the costs for other services. For further information, please refer to this Important Information Guide.
Waiting periods apply
You need to be a member for a certain amount of time before claiming money back on services. This is called a waiting period.
If you have your condition before joining Bupa, this is known as a pre-existing condition and we may not be able to cover you. Or you may need to wait until you have completed your waiting period.
Waiting periods don’t apply when:
Your compliant OSHC cover does not cover Extras services
To get cover for extra services like dental, physio and chiro, add Bupa OSHC Extras.
How to order a Bupa OSHC membership card
Once you know your Australian address, you can update your address in myBupa
You’ll also need to order your OSHC membership card in three easy steps:
- Login to myBupa
- Go to ‘Cover’ in the menu of the Home Page
- Select ‘Order a membership card’
Please remember that this is just a snapshot of your cover. For full details on what we will and won’t help you pay for under your Bupa OSHC membership, please read your full cover description located in the box below.
* the standard 2 months waiting period for pre-existing conditions of a psychiatric nature is not enforced by Bupa until further notice.
Yearly limits, waiting periods, fund and policy rules apply.