We’re one of Australia’s largest health insurers, with a wide network of hospital and Members First extras providers. This means more options when you choose Bupa.

Key points

  • Bupa health insurance covers hospital admissions, extras, and ambulance services.
  • Hospital cover helps pay for treatment in hospitals, while extras cover services such as dental, optical, and physiotherapy.
  • Waiting periods already served with another fund can carry over when switching to the same or lower level of cover, subject to portability rules.3
  • A large Members First network of healthcare providers offers more care options.

Private health complements Medicare, offering people in Australia more choice and access to health care. Our health insurance covers hospital treatments, extras, and ambulance services.

Hospital cover Cover for care in hospitals

Extras cover Dental, optical, physio, and more

Hospital and extras cover Combined health insurance

Ambulance cover Australia-wide coverage

Awarded Outstanding Value Health Insurance 4 years running

Year after year, we’ve been recognised by Canstar for the value of our cover. We’re proud of that, and even prouder of what it means for our customers.

View all our awards

Whether you’re single, partnered, or looking after a family, we have health insurance to match.

Singles Cover for one person from age 17

Couples Cover for you and your partner

Single parents Cover for single-parent families

Families Cover for the whole family

For more than 75 years, Bupa has been working hard to help people take care of their health and wellbeing. We’ve learned what matters most.

We’re committed to supporting you through life’s ups and downs.

Tell us a little bit more about you to find the best cover – it’s simple, fast, and we’ll never use your details for anything else.

1 Percentage back may vary depending on your level of cover, and benefit claiming restrictions. For most services at our Members First providers covering dental, physiotherapy, chiropractic and podiatry consultations. Bupa has Members First providers for these services. Not available in all areas. Waiting periods, yearly limits, policy and fund rules apply. Applies to included services only.

2 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 medically inappropriate.

3 When switching to Bupa on an equivalent or lower level of cover within 60 days of cover end date with old health fund, provided you already served your waiting period and pending receipt of your clearance certificate. For domestic and Overseas Visitors Cover, we will apply portability once we receive it. If you’re switching from an Overseas Student Health Cover (OSHC) provider to Bupa, there must be no gap between your previous cover and your OSHC cover with Bupa.

 * You can receive 100% back on dental check-up and cleans (select dental items only) once every 6 months at Members First Ultimate Providers. Waiting periods, benefit claiming restrictions, policy and fund rules apply. Excludes orthodontics and in-hospital treatments. Available on all eligible extras products which includes General Dental (excluding FLEXtras and Your Choice Extras 60 where General Dental is not included). If you choose or require any additional dental services, any health insurance benefits will also be subject to your yearly limits. Not available in all areas.
Get a quote
* You can receive 100% back on dental check-up and cleans (select dental items only) once every 6 months at Members First Ultimate Providers. Waiting periods, benefit claiming restrictions, policy and fund rules apply. Excludes orthodontics and in-hospital treatments. Available on all eligible extras products which includes General Dental (excluding FLEXtras and Your Choice Extras 60 where General Dental is not included). If you choose or require any additional dental services, any health insurance benefits will also be subject to your yearly limits. Not available in all areas.

^ General dental fillings at Members First Ultimate providers: 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.

^^ Benefits on selected extras services at Members First providers: Percentage back may vary depending on your level of cover, and benefit claiming restrictions. For most services at our Members First providers covering dental, physiotherapy, chiropractic and podiatry consultations. Bupa has Members First providers for these services. Not available in all areas. Waiting periods, yearly limits, policy and fund rules apply. Applies to included services only.

# Bupa-recognised provider network for Freedom covers: Extras service providers must meet certain requirements to be recognised by Bupa and for us to pay towards the cost of your treatment. Waiting periods, yearly limits, policy and fund rules apply. Percentage back may vary depending on benefit claiming restrictions.

§ Members First network benefits: Percentage back may vary depending on your level of cover, and benefit claiming restrictions. For most services at our Members First providers covering dental, physiotherapy, chiropractic and podiatry consultations. Bupa has Members First providers for these services. Not available in all areas. Waiting periods, yearly limits, policy and fund rules apply. Applies to included services only.

§§ Bupa-recognised provider network for Corporate Choice covers: Extras service providers must meet certain requirements to be recognised by Bupa and for us to pay towards the cost of your treatment. Waiting periods, yearly limits, policy and fund rules apply. Restrictions may apply on your policy which are limited benefits for certain services.

₵ FLEXtras: 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.

₵₵ Flexible limit on Corporate Choice covers: At Bupa-recognised providers, up to yearly limits. Waiting periods, benefit claiming restrictions, fund and policy rules apply. Excludes optical.

† Uncapped emergency ambulance: 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.

†† Air ambulance services and on-the-spot treatment: Some air services and treatments at Bupa recognised providers only. Royal Flying Doctor Services not included. Check with us what you’re covered for and where.

## Non-emergency ambulance trips: If claimable from another source, a benefit won’t be paid by Bupa. For more, see the Important Information Guide. There is a 1-day waiting period for emergency ambulance and on-the-spot treatment and a 1-month waiting period for non-emergency transportation.

¥ Private rooms at a Members First hospital: 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.

** Extras benefits Essential Lite with Freedom 50: Waiting periods, yearly limits, fund and policy rules apply. Limits also apply to how often you can get a service, based on usual clinical practice. Extras service providers must meet certain requirements to be recognised by Bupa and for us to pay towards the cost of your treatment. Before you book a treatment or service, it’s a good idea to check with us so we can confirm whether we recognise the provider you’re planning to visit. Members First Platinum (pay nothing for dental check-ups) and Gap Free for Kids not available.

¥¥ Optical benefits: Up to 100% back at any Bupa-recognised optical provider. Extras service providers must meet certain requirements to be recognised by Bupa and for us to pay towards the cost of your treatment. Some items are not covered when purchased online. Selected lens options and consumables are not covered. Optical Coverage not included on Corporate Choice 50. Up to yearly limits. Waiting periods, fund and policy rules apply