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Increases to your health insurance premium

At Bupa, we work hard to keep health cover affordable. From 1 April, your premium will change. Any changes to premiums are made as part of an industry wide review and are largely due to three key factors.

The increasing costs of healthcare

With the cost of healthcare services increasing dramatically across Australia, we're working with hospitals, doctors and our networks to make access to healthcare as affordable as possible for our members.

We're also working with the Government to ensure its health system reviews target the ineffective and wasteful aspects of the system that are impacting private health insurance costs.

Find out more about how we're tackling healthcare reform here.

Providing our members with the best benefits possible

In 2015, we paid $5.2 billion in claims1, up 8.2% from 2014.

Hospital 64%, Extras 23%, Medical 13%.\nExtras -- 54% Dental, 16% Optical, 9% Physio, 6% Chiro, 15% Other^2

Here's a snapshot of the average benefit paid per procedure3.


Knee reconstruction



Delivery of a baby (without complications)



Hip revision or replacement and rehabilitation


60+ years

Cardiac treatment - Implantation of Defibrillator


Australia's ageing population

Advances in healthcare help Australians live longer, healthier lives - but the reality is new technologies and treating an ageing population significantly drives up the total use of services and the cost of claims.

Everyone deserves access to the best possible care, but to make this happen the amount we need to pay out in claims goes up each year.

In the last two decades, the number of people aged 85 years and over has more than doubled, compared with a total population growth of 32% in that same time. And that number is projected to double again by 2034.4

Male: Life expectancy up 2.9 years. 2002: 77.4, 2004: 78.1, 2006: 78.7, 2008: 79.2, 2010: 79.5, 2012: 79.9, 2014: 80.3
Female: Life expectancy up 1.8 year^5. 2002: 82.6, 2004: 83.0, 2006: 83.5, 2008: 83.7, 2010: 84.0, 2012: 84.3, 2014: 84.4

Lower Australian Government rebate

The Australian Government Rebate on private health insurance (the ‘rebate’) is the way the Government contributes to the cost of a member's private health insurance. If you're an Australian resident who is eligible for Medicare and holds private health insurance, you may be entitled to receive the rebate depending on your age and income.

The Government announced that, from 1 April 2014 and every year thereafter, the Rebate will be indexed annually by the lesser of the Consumer Price Index (CPI) growth or the industry average health insurance premium increase.

What does this change mean for me?

If you are eligible for the rebate, it is important to understand that this change may impact the cost of your premiums. The change in the Government Rebate means that the rebate percentage you're receiving will be reduced each year if the average premium increase for all health insurers is higher than the CPI. If you are not eligible for rebate, this change does not affect you.

To find out more about the rebate on private health insurance and how it applies to you, click here.

Top tips to help keep your health cover affordable

Get the best value out of your cover by ensuring it suits your lifestyle, health and budget, and then making the most of your benefits, extras and special offers. Here's how.

Know your cover icon

Know your cover

The cheapest level of cover isn't always the most cost-effective. Get to know your cover by logging in to myBupa or calling us on 134 135.

Make the most of your extras icon

Make the most of your extras

Most extras cover lets you claim on dental check-ups, physiotherapy and can even help with the cost of your new glasses. Maximise your cover by checking what you are covered for in myBupa.

Member first network icon

Use our Members First network

Our national network of hospitals and extras* providers can help you reduce or eliminate out-of-pocket expenses. Find a Members First provider.

Review your excess icon

Review your excess

Increasing the excess on your hospital cover can help you save on your premiums, so it's worth considering how much you'd be willing to pay.

Make the most of your membership icon

Make the most of your membership

We've put together an exclusive range of discounts, experiences, tools and information to help you get more out of every day. Visit Bupa Plus to find out more.

Stay covered icon

Stay covered

Permanent Australian residents who let their hospital cover slip for more than 1,094 days (or who are without hospital cover on 1 July following their 31st birthday) can be impacted by the Government's Lifetime Health Cover loading. Find out more.