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Standard Plus Visitors Cover

Inclusive of GST





An excess is a set amount you agree to pay upfront before your benefit is paid for overnight or same-day admissions at any hospital. If your cover has an excess you will need to pay it once per person per calendar year to a maximum of twice on the entire membership. There is no excess if your child is admitted to hospital.

Extras Paid Back*:


Extras Paid Back

You can budget how much you'd like to pay for your monthly premium by choosing how much you want to claim back from your visits for most items at Members First providers covering dental, optical, physio and chiro. Annual maximums and waiting periods apply.

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  • Standard Plus Visitors Cover $0.0
  • Standard Plus Visitors Cover Extras $0.0
  • Pharmacy Saver (weekly) $0.45

Features at a glance

Hospital Cover
Extras Cover
back on extras*
Price is based on cover for: status, age, stateChange
*For most items at Members First providers, covering general dental, physio, chiro and podiatry services. Annual maximums, waiting periods and fund rules apply.

About this cover

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This option has some exclusions but includes cover in private hospital for hospital and medical expenses and visits to a doctor or specialist in private practice.

This cover provides benefits for a range of extras services including dental, optical, physiotherapy and more.

View Extras Cover


Benefits included on cover:
Accommodation for overnight and same-day stays
Operating theatre, intensive care, fees
Allied services (e.g. physiotherapy in hospital)
Private hospital admissions
Public hospital admissions
Inpatient medical expenses
Outpatient medical expenses
457 visa compliant

Inpatient services included on cover:
Pregnancy (childbirth)
IVF and assisted reproductive services
Cardiac and cardiac related services
Cataract and eye lens procedures
Hip and knee replacement (including arthroplasty, revisions and resurfacing procedures)
Sterilisation reversal
Renal dialysis
Cosmetic surgery that is clinically necessary and where benefits are payable by Medicare
Cosmetic surgery that is not clinically necessary
All other inpatient treatments receiving a Medicare benefit

Additional Items:
Outpatient pharmacy benefits
100% emergency ambulance services from our recognised providers
Repatriation benefits
Family in-hospital benefit that helps pay for in-hospital partner/family accommodation or meals
Crutches and wheelchairs benefit
Cover for extras services (eg dental, optical, physiotherapy)
Reimbursement on emergency department facility fees at any public or private hospital if admitted

Excess options: Nil excess
Legend:    Glossary
Not covered
Covered - Medium benefits
Covered - Low benefits

What is covered?

Hospital costs

With private hospital cover, you can choose to be treated as a private patient in either a public or a private hospital.

What if I am treated in a Members First or Network Hospital?

Depending on your level of cover you are covered as a private patient in most hospitals that Bupa has an agreement with known as Members First and Network hospitals across Australia for any treatment which is recognised by Medicare and is not either a minimum benefit or excluded service under your cover.

A small number of these hospitals may charge a fixed daily fee, capped at a maximum number of days per stay. The hospital should inform you of this fee when you make a booking. This fee is in addition to any excess you may have as part of your hospital cover.

When admitted to hospital, in most cases you will be covered for in-hospital charges when provided as part of your in-hospital treatment including:

  • accommodation for overnight or same-day stays
  • operating theatre, intensive care, fees
  • reimbursement on emergency department facility fees at any public or private hospital, if admitted (or in all circumstances depending on your level of cover)
  • supplied pharmacy items approved by the Pharmaceutical Benefits Scheme (PBS)
  • physiotherapy, occupational therapy, speech therapy and other allied health services
  • a surgically implanted prosthesis up to the Government minimum benefit published in the Government's Prosthesis List
  • private room where available.^

^Conditions apply. Contact us for more information.

Members First day facilities

If you are treated in a Members First day facility, there are no out-of-pocket expenses for medical services (eg your specialist’s fees). (Any co-payment or excess related to your level of cover will still apply).

We recommend you call us first before making a booking to confirm that your hospital of choice gives you certainty of cover. We can also discuss any excess that may be applicable to your level of cover. You can find out if a hospital has an agreement with us by checking

What happens if I choose to be a private patient in a public hospital or go to a private hospital that doesn't have an agreement with Bupa?

With us, if you elect to be treated as a private patient in a public hospital or are admitted to a non-agreement private hospital, you are covered as set out below for any treatment recognised by Medicare unless it is excluded or restricted under your cover. If you choose to be treated as a private patient in a public hospital you are entitled to choose your doctor, if they are available. Depending on your illness or condition, this may be the same doctor who would have been allocated to you by the hospital as a public patient.

In a non-agreement private hospital, you are responsible for the cost of your stay and may be charged directly for your hospital accommodation, doctor's services (including diagnostic tests), surgically implanted prostheses (eg artificial hips) and personal expenses such as TV hire and telephone calls. Some of these hospitals bill Bupa directly for the benefits we pay for your hospital stay under your policy.

The amount we will pay towards your accommodation in a non-agreement private hospital is limited to a minimum shared room benefit. For a non-agreement private hospital this will only partially cover the full cost and you will have significant out-of-pocket expenses. If you request a single room in a non-agreement private hospital, and you receive one, you will incur out-of-pocket expenses as the hospital may charge you more for the room than the benefit that Bupa pays. It is important to note that in public hospitals, single rooms are generally allocated to people who medically need them the most. If required we will also cover any prostheses that are surgically implanted in you during your hospital stay up to the minimum benefit listed on the Government's Prostheses List.

We will cover you for your in-hospital medical costs incurred during an admission in public or non-agreement hospital in the same way as set out under the heading "Inpatient Medical Costs" below.

The hospital and the treating doctor should let you know what you'll be billed for and how much you will be charged, ie they should obtain your Informed Financial Consent before you receive the treatment – if they don't, make sure to ask for full details. Call us to confirm what benefits we'll pay for your public hospital or non-agreement private hospital stay.

Inpatient medical costs

These are the fees charged by your doctor, surgeon, anaesthetist or other specialist for any treatment given to you when you are admitted to a hospital as an inpatient. Put simply, we pay 100% of a schedule fee or 100% of the cost of inpatient medical fees. Depending on your level of cover, we cover you for either the Australian Medical Association (AMA) Schedule fee or the Medicare Benefits Schedule (MBS) fee, or the full cost of treatment. The schedule fees mentioned above are the fees determined by the AMA and the Federal Government respectively, as the appropriate fee for a specific service.

Please check your product sheet to determine the benefits that apply.

Outpatient medical costs

This is cover for any treatment you receive from a doctor or specialist in private practice, or as an outpatient (ie where you are not admitted into hospital) anywhere in Australia.

Depending on what is set out in your level of cover we cover you for 100% to 150% of the Medicare Benefits Schedule (MBS) fee or 100% of the MBS Scheduled fee for Outpatient costs. The MBS fee is set for each specific service by the Federal Government. Outpatient medical cover is available on most of our visitors covers. Please check your product sheet to determine the benefits that apply.

Outpatient pharmacy benefit

You can also receive benefits on selected pharmacy items prescribed as an outpatient or by a doctor or specialist. Please check your product sheet to determine the benefits that apply. A co-payment of $20 applies.

What is not covered?

Hospital costs

Situations when you are likely not to be covered include:

  • during a waiting period
  • when a service is excluded from your level of cover
  • when a service is covered as a minimum benefit and you are admitted to a private hospital, you will not be covered above the minimum benefit
  • labour ward fees
  • when you are treated at a non-agreement hospital you will not be fully covered
  • for the fixed fee charged by a fixed fee hospital or a hospital that has a fixed fee service. This does not apply to Ultimate Corporate Visitors Cover as any fixed fee will be reimbursed
  • depending on your level of cover, if you have not been admitted into a hospital and are treated as an outpatient (eg emergency room treatment, outpatient ante-natal consultations with an obstetrician) you may not be covered
  • for psychiatric and rehabilitation day programs, at a hospital Bupa does not have an agreement with
  • hospital treatment provided by a practitioner not authorised by a hospital to provide that treatment
  • hospital treatment for which Medicare pays no benefit, including: medical costs in relation to surgical podiatry (including the fees charged by the podiatric surgeon); cosmetic surgery where not clinically necessary; respite care; experimental treatment and/or any treatment/procedure not approved by the Medical Services Advisory Committee (MSAC)
  • personal expenses such as: pay TV, non-local phone calls, newspapers, boarder fees, meals ordered for your visitors, hairdressing and any other personal expenses charged to you unless included in your cover
  • if you are in hospital for more than 35 days and you have been classified as a 'nursing home type' patient. In this situation you may receive limited benefits and be required to make a personal contribution towards the cost of your care
  • some hospital-subsititute treatment and operative services that are a continuation of care associated with an early discharge from hospital
  • for pharmacy items not opened at the point of leaving the hospital unless covered on your visitors or extras cover
  • if you choose to use your own allied health provider (eg chiropractors, dieticians or psychologists) rather than the hospital's practitioner for services that form part of your in-hospital treatment
  • where compensation, damages or benefits may be claimed by another source (eg workers compensation)
  • for any amount charged by a public or non-agreement hospital which is not covered by us or which is above the benefit that we pay
  • for any treatment or service rendered outside Australia
  • for any treatments arranged in advance of your arrival in Australia
  • Non-PBS, high cost drugs
  • if you do not hold a valid visa at the time of admission to hospital and for the duration of your hospital stay.

Medical costs

You will not be covered for:

  • medical services for surgical procedures performed by a dentist, surgical podiatrist, or any other practitioner or service that is not eligible for a rebate through Medicare
  • costs for medical examinations, x-rays, inoculation or vaccinations and other treatments required relating to acquiring a visa for entry into Australia or permanent residency visa.

Minimum benefits

Some visitors covers have minimum benefits for specific services for the duration of the cover.

A minimum benefit means you will generally receive cover equivalent to shared room minimum benefit payable for an Australian resident. Services paid at minimum benefits will generally not cover all hospital costs and are likely to result in significant out-of-pocket hospital costs in private and public hospitals.

Please check your product sheet to determine if minimum benefits apply.

Waiting periods - Hospital

A waiting period is the time between the latter of your arrival in Australia or the start date of your membership and when you are covered for a service or treatment. If you receive a service or treatment during a waiting period, you are not eligible to receive a benefit payment from us, regardless of when you submit the claim. Different waiting periods apply for different services.

Please note: you commence serving your waiting periods from the date you arrive into Australia, and not the start date.

Psychiatric and rehabilitation 1 year
Pregnancy (childbirth) 1 year
Pre-existing conditions, ailments or illnesses for hospital and out-patient medical services 1 year

Understanding your ambulance cover

If you receive unlimited emergency ambulance services, that means we will pay 100% of the charges for emergency transportation and on-the spot treatment, by our recognised providers*.

If you receive limited non-emergency ambulance services. This means your cover will be limited to three times per person, per calendar year, for non-emergency transportation by our recognised providers. Please refer to your product sheet for more information*.

*Short Stay Visitors Cover has emergency only ambulance cover.

Recognised Ambulance Providers

Bupa will only pay benefits towards ambulance services when they are provided by any of the following recognised providers:

  • ACT Ambulance Service
  • Ambulance Service of NSW
  • Ambulance Victoria
  • Queensland Ambulance Service
  • South Australia Ambulance Service
  • St John Ambulance Service NT
  • St John Ambulance Service WA
  • Tasmanian Ambulance Service.

For more information about our working and non-working visitors covers, please refer to the Visitors Cover Brochure and Visitors Cover Important Information Guide.


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What is covered?

With extras cover, you can claim benefits for those services listed on your cover and that are not claimable elsewhere (eg from a third party like Medicare).

For example, Medicare does not provide benefits for:

  • most dental examinations and treatment
  • most physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology services
  • acupuncture (unless part of a doctor’s consultation) or other natural therapies
  • glasses and contact lenses
  • most health aids and appliances
  • home nursing.

Extras cover allows you to claim benefits for extras services as long as:

  • the treatment is given by a private practice provider who is recognised and registered with us for benefit purposes
  • they meet the criteria set out in our policies and Overseas Visitors Rules and Fund Rules.

We recommend you contact us before making a booking to confirm how much you can claim and to check that your chosen provider is registered with us.

What is not covered?

Extras benefits will not be payable:

  • during a waiting period
  • where a third party, including Medicare, a Government body, or an insurance company provided a benefit (except for hearing aids and breast prosthesis items)
  • for different services within the same service type from the same provider on the same day. For example, if you went to see an acupuncturist and then received a massage from the same provider on the same day, you cannot claim for both services
  • when a prescribed treatment for orthotics or surgical shoes is not custom made
  • when a provider is not recognised by us for benefit purposes
  • for any treatment or service rendered outside Australia
  • when you have reached the maximums on your product including annual, lifetime or service limits for the service you are claiming.

Waiting periods

The following waiting periods apply for extras cover:

  • initial waiting period – two months
  • hire, repair and maintenance of health aids and appliances; and Health Management extras service – six months
  • major dental, orthodontics, selected health aids and appliances – 12 months.

Services covered   Limits per person per calendar year
General Dental 50% of cost $300
Optical 50% of cost $150
Physiotherapy 50% of cost Combined limit of $200
($100 sublimit on massage)
Chiropractic 50% of cost
Natural Therapies 50% of cost
Includes acupuncture, Alexander technique, Chinese herbalism, exercise physiology, Feldenkrais, homeopathy, iridology, naturopathy, and Western herbalism.
Massage 50% of cost
Includes aromatherapy, Bowen technique, kinesiology, reflexology, shiatsu and therapeutic massage.


Add Pharmacy Saver

Enjoy savings on your pharmaceutical and health care purchases all year round at National Pharmacies stores. With Pharmacy Saver, you'll receive a 20% discount on a variety of health-related products. View details >

Pharmacy saver

Add Pharmacy Saver to your extras cover and enjoy savings on your pharmaceutical and health care purchases all year round at National Pharmacies stores available in VIC, NSW & SA.^ Also includes access to the National Pharmacies' website and online shopping facilities including online prescription requests available nationwide.

You'll get a 20% discount on a variety of health-related products.* Pharmacy Saver is not available for prescriptions on which the Government does not allow discounts. Visit a National Pharmacies store for more information.

* These are products designed to manage or prevent diseases, injuries or a condition, or prescribed in connection with an episode of hospital treatment.

^ Locations subject to change.


Member Exclusives

Even when you’re in great health, there are still plenty of ways to get everyday value thanks to Bupa Plus. We’ve introduced this program to give you access to an exclusive range of discounts, health tools and information to help you live a healthier, happier life. Visit

Inclusive of GST


Contact us

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From within Australia
+61 2 9323 9500
From outside of Australia

8am - 6pm AEST Mon to Fri
9am - 1pm AEST Sat
If a new product selection is required, you will be directed back to the compare covers page
I need cover for
Single Parent
My date of birth
My partner's date of birth
My location
I will be living in
Australian Capital Territory: e.g. Canberra  
New South Wales: e.g. Sydney, Newcastle, Wollongong  
Northern Territory: e.g. Darwin, Alice Springs  
Queensland: e.g. Brisbane, Goldcoast, Townsville  
South Australia: e.g. Adelaide  
Tasmania: e.g. Hobart  
Victoria: e.g. Melbourne, Geelong, Bendigo  
Western Australia: e.g. Perth, Broome  
My visa
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