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cover details

Your Choice Extras

 
30-DAY COOLING OFF PERIOD
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30-day cooling off period

We're confident you'll be happy with your cover, however if you decide to cancel, we'll refund any premiums you have paid within the first 30 days of your membership commencing provided you haven't made a claim.

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Includes:

  • Hospital $0.0
  • Extras $0.0
  • Pharmacy Saver (weekly) $0.45

Features at a glance

Hospital Cover
  NO COVER
Extras Cover
      MEDIUM
back on extras*
Price is based on cover for: Family00 years old, StateChange
Assumes no Lifetime Health Cover loading and [rebate] government rebate included. Price may vary if details change.
*For most items at Members First providers, covering general dental, physio, chiro and podiatry services. Annual maximums, waiting periods and fund rules apply.

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Is your partner registered with Medicare?

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About this cover

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Your Choice Extras gives you the freedom to choose whichever four services you want from our comprehensive list. For example, if you're a sportsperson then physiotherapy, chiropractic, optical and natural therapies may be the right extras for you. And as your life and needs change, you have the flexibility to change your selected services every 12 months.

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Extras

You can choose four services from those listed below. These selections can be changed once every 12 months. The 12 month waiting period for major dental and orthodontics still applies each time you select these services. No waiting period will be applicable for podiatry if it is part of your annual updated selection.

Emergency Ambulance Services is automatically included with this cover.

tick iconGeneral Dental General Dental

General Dental

General dental treatment includes services such as:

  • Your regular 6 monthly examination, scale and clean and fluoride treatment
  • X-rays
  • Mouthguards
  • Fillings (those done directly in the mouth – like Amalgams and white composite fillings)
  • Simple extractions
  • Surgical extractions (such as removal of impacted wisdom teeth)

Please refer to the full policy details to determine what is covered.

Benefits are only payable for services provided by dentists and dental specialists in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
2 months

Loyalty Maximums
  Per person
Year 1 $700
Year 2 $840
Year 3 $980
Year 4 $1,120
Year 5 $1,260
Year 6+ $1,400
tick iconMajor Dental Major

Major Dental

Major dental treatment includes services such as:

  • Periodontal treatment (treatment of gum disease)
  • Complex oral surgery
  • Root Canal Therapy (Root Treatment)
  • Fillings (those that have to be made outside the mouth eg in a laboratory or by a special machine)
  • Crowns and bridges
  • Implants
  • Dentures (false teeth)

Please refer to the full policy details to determine what is covered. Waiting periods may apply.

Benefits are only payable for services provided by dentists and dental specialists in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
12 months
Loyalty Maximums
  Per person
Year 1 $0
Year 2 $500
Year 3 $600
Year 4 $700
Year 5 $800
Year 6 $900
Year 7+ $1,000
tick iconOrthodontics Major

Orthodontics

Orthodontic treatment includes the use of devices like “braces” to change the position of teeth and the jaws.

Please refer to the full policy details to determine what is covered. Waiting periods may apply. Some levels of cover only include orthodontics if treatment is required as a result of an accident after joining.

Benefits are only payable for services provided by dentists and dental specialists in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
12 months
Loyalty Maximums
  Per person
Year 1 $0
Year 2 $450
Year 3 $540
Year 4 $630
Year 5 $720
Year 6 $810
Year 7+ $900
Includes a lifetime limit of $1,300 per person
tick iconOptical Optical

Optical

Optical services are provided on prescription from an optometrist and include:

  • Frames
  • Prescription Lenses
  • Contact Lenses
  • Certain lens coatings

Please refer to the full policy details to determine what is covered.

Benefits are only payable for services provided by optometrists and optical dispensers in private practice who are recognised by Bupa. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing treatment.

Waiting Period
2 months
Annual Maximums
  Members First Non-Members First
Per calendar year $260 $180
tick iconAntenatal, Postnatal and Physiotherapy Antenatal, Postnatal and Physiotherapy

Antenatal and Postnatal

Antenatal and postnatal services include:

  • Antenatal Sessions or Courses
  • Attendances following the birth related to feeding difficulties

Benefits can only be claimed for sessions and courses provided by registered midwives who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Benefits are not payable for courses or sessions that are paid for by Medicare Australia.

Physiotherapy

 Physiotherapy involves the treatment and rehabilitation of people with movement disorders and other physical disabilities.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by physiotherapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $450
Year 2 $540
Year 3 $630
Year 4 $720
Year 5 $810
Year 6+ $900

A sub-limit of $350 per person per calendar year applies for Antenatal and Postnatal services

tick iconChiropractic and Osteopathy Chiropractic and Osteopathy

Chiropractic and Osteopathy

Chiropractic deals with the relationship between the spine and pelvis and the nervous system (which controls how they function). The bones of the spine are manipulated, based on the premise that disease is caused by interference with nerve function.

Osteopathy deals with the structure of the body and the way it functions. It uses massage and stretching techniques to improve the function where needed.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by chiropractors and osteopaths who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
2 months
Loyalty Maximums
  Per person Per membership
Year 1 $350 $500
Year 2 $420 $600
Year 3 $490 $700
Year 4 $560 $800
Year 5 $630 $900
Year 6+ $700 $1,000

tick iconSpeech, Eye and Occupational Therapy

Speech Therapy, Eye and Occupational Therapy

Speech Therapy

Speech therapy is the assessment and treatment of people who have a communication disability. Communication disabilities are the result of problems with speech, using and understanding language, voice, fluency, hearing, or reading and writing.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by speech therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Eye Therapy

Eye therapy is a physical therapy for the eyes and brain that develops eye coordination and treats a number of common visual problems eg crossed eyes, lazy eye, and double vision.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by eye therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Occupational Therapy

Occupational therapy is the training of people with physical injury or illness, psychological or social disability or learning problems with the aim that they can work and live by themselves and lead a relatively normal life, despite their disabilities.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for consultation and treatment by occupational therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $400
Year 2 $480
Year 3 $560
Year 4 $640
Year 5 $720
Year 6+ $800
tick iconNatural Therapies Natural Therapies

Natural Therapies

Natural therapies may complement or offer alternatives to conventional medical treatment. They include therapies such as Acupuncture, Alexander Technique, Chinese Herbalism, Western Herbalism, Exercise Physiology, Feldenkrais, Naturopathy, Homeopathy and Iridology.

“Massage” includes benefits payable for Aromatherapy, Bowen Technique, Kinesiology, Reflexology, Shiatsu and Therapeutic massage.

Please refer to the full policy details to determine what is covered.

Benefits can only be claimed for services provided by Natural Therapists who are recognised by Bupa and in private practice. Some providers may not be recognised by Bupa, in which case we will not pay benefits for services they provide. Recognition of providers by Bupa is subject to change without notice. Please check with us before undergoing a course of treatment.

Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $500
Year 2 $600
Year 3 $700
Year 4 $800
Year 5 $900
Year 6+ $1,000

A sub-limit of $100 per person per year applies for massage.

tick iconLiving Well Living Well

Living Well

Our Living Well benefit helps you reach your goals by covering some of the costs for health–related programs including: gym memberships, yoga, Pilates, nicotine replacement therapy and weight management programs. However, please remember – gym memberships, yoga and Pilates require your doctor or recognised provider to complete a Living Well form to confirm the program is medically necessary.

Waiting Period
6 months
Annual Maximum
  Per person
Per calendar year $100
tick iconPharmacy Pharmacy

Pharmacy

Your extras pharmacy entitlement covers you for prescription only items that are not supplied under the PBS (Pharmaceutical Benefits Scheme); are TGA (Therapeutic Goods Administration) approved; are prescribed by a registered medical practitioner; supplied by a Bupa recognised, registered pharmacist; and not otherwise excluded by Bupa.

When in hospital, if you are treated with drugs that are not PBS approved, you may not be fully covered and the hospital may charge you for all or part of the cost. You should be advised by the hospital of any charges before treatment.

There are some additional items that are not covered by our pharmacy benefit and these include:

  • Over the counter or non-prescription items
  • Compounded items
  • Weight loss medication (some weight loss medications are covered under the Living Well Programs)
  • Body enhancing medications (eg anabolic steroids).

Pharmacy in-hospital

When you make a claim, we will deduct a pharmacy co-payment and pay the remaining balance up to the set amount under your chosen level of cover.

Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $300
Year 2 $360
Year 3 $420
Year 4 $480
Year 5 $540
Year 6+ $600
tick iconPodiatry (excludes orthotics) Podiatry

Podiatry

Podiatry is the prevention, diagnosis, treatment and rehabilitation of medical and surgical conditions of the feet and lower limbs.

Podiatry services include

  • attendances
  • biomechanical analysis

Please refer to the full policy for details of what’s covered. Waiting periods may apply. Benefits are only payable for services provided by Bupa recognised specialists and providers in private practice. Bupa recognition is subject to change without notice. Please check with us before undergoing a course of treatment.

Please note: Benefits for Orthotics, if payable, are paid under Health Appliances.

Waiting Period
2 months
Loyalty Maximums
  Per person
Year 1 $350
Year 2 $420
Year 3 $490
Year 4 $560
Year 5 $630
Year 6+ $700
tick iconEmergency Ambulance services

Emergency Ambulance Services is automatically included with this cover.

Emergency ambulance services

Emergency ambulance services

Cover for ambulance services varies dependent on the provisions of your state of residence. Please refer to the full policy details to determine what is covered.

Waiting Period
No waiting period

Singles = 1 service

Couples = 2 services

(per calendar year)

See our glossary for help on definitions.

What's 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 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's 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 is not fully custom made (eg orthotics, surgical shoes)
  • 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

A waiting period is the time between when you joined us and when you are covered for a service or treatment. If you receive a service or treatment during this time, 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.

If you’re changing from another Australian health fund to Bupa, you’ll continue to be covered for all benefit entitlements that you had on your old cover, as long as these services are offered on your new cover with us. This is referred to as ‘continuity of cover’. To receive continuity of cover, you’ll need to transfer to us within 60 days of leaving your old fund.

If you are an existing member and you change your health cover, you may need to wait before you can access your new benefits. Where your new level of cover is higher than what you previously held, the lower level of benefit applies.

Waiting periods apply to services as listed below. Please refer to the full policy details to determine the specific services that are covered under your level of cover, including the associated waiting periods for those services.

The following waiting periods apply for extras cover:

  • initial waiting period – two months
  • Living Well – six months
  • major dental, root fillings and orthodontics – 12 months.

Understanding your ambulance cover

Emergency Ambulance definition

When you or your partner take out our extras cover, you will receive capped cover for recognised emergency ambulance transport and on-the-spot treatment.

An emergency is when there is reason to believe that the patient’s life may be in danger or the patient should be attended to without undue delay.

Transportation means a journey from the place where immediate medical treatment is sought to the casualty department of a receiving hospital.

Emergency ambulance transportation is defined as air or road transportation by a Recognised Ambulance Provider of an unplanned and of a non-routine nature for the purpose of providing immediate medical attention to a person.

Whether the transportation is deemed an emergency is determined by the paramedic and usually recorded on the account.

Benefits are not payable for:

  • transportation from a hospital to your home
  • transportation from a hospital to a nursing home
  • transportation from a hospital to another hospital where the customer has been admitted to the transferring (first) hospital
  • transportation from the person’s home, a nursing home or hospital for ongoing medical treatment, (eg chemotherapy, dialysis).

Ambulance cover

We recommend that you take out an ambulance subscription with your recognised State Ambulance Provider if it’s available in your state (VIC, SA, NT and rural postcodes in WA). We will only provide ambulance benefits, in accordance with your level of cover, when you do not hold a subscription with an ambulance provider and a state ambulance scheme does not provide cover.


For more extras options visit the Extras Cover page

Find more Bupa health insurance by Life Stage: Singles Health Insurance, Couples Health Insurance, Family Health Insurance, Single Parents Health Insurance

Health Insurance Comparison, compare health insurance by Life Stage


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. 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

Weekly

Member Exclusives

Member exclusives include a range of discounts and deals from specially selected partners to help you enjoy some health and wellness perks at an affordable price. Whether you're interested in fitness and sports or rest, relaxation and travel, you can choose what suits your needs from our range of partner discounts. Full terms and conditions of all offers are available in the Member Exclusives section of myBupa.

 

Payment

Download Product Summary

cooling off

30-DAY COOLING OFF PERIOD

We're confident you'll be happy with your cover, however if you decide to cancel, we'll refund any premiums you have paid within the first 30 days of your membership commencing provided you haven't made a claim. 

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Government Rebate
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The Government offers all Australian residents who are entitled to Medicare benefits an income-tested rebate on their private health insurance.

The government now income tests the rebate on private health insurance. One way you can save up-front is to claim the rebate as a reduction on your premium, would you like to do that now?

For individuals earning $90000 ($180000 for families*) or under
*This increases by $1,500 per child after the first child
If at any stage you wish to nominate a new income tier or stop receiving the Australian Government Rebate as a reduced premium, you must notify your health fund as soon as possible.