For every dollar in premiums, Bupa members received more back in benefits than NIB members.2
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For every dollar in premiums, Bupa members received more back in benefits than NIB members.2
Year after year, independent experts recognise the value of our health cover and the quality of our service.
Explore what sets our health insurance apart.
In 2025, we received Canstar's Outstanding Value Award for Health Insurance in Australia, for the fourth year in a row. Canstar compared insurance policies on cost, inclusions, and benefits paid.
Bupa performed strongly across hospital, extras, and packaged cover. Our extras cover won Outstanding Value awards in 5 states (New South Wales, Victoria, Queensland, South Australia, and Western Australia).
Canstar also noted the value of benefits back from our Members First extras network of thousands of registered providers across Australia.
Finder named our Extras Saver cover the Best Core Extras Health Insurance in 2025.
That same year, we were also highly commended for our Basic, Bronze and Silver hospital cover. Our FLEXtras 4 Standard 50 cover was highly commended, too, for flexibility in the choice of services. In 2026, our extras cover earned a string of national and state awards in the Highly Commended category.
The awards reflect real value for the extras our customers use most.
Australians voted us their most trusted health insurance brand in the 2024 Reader's Digest Trusted Brands awards.
Reader's Digest surveys thousands of Australians who rate brands on quality, value, trustworthiness, and how well they understand customer needs.
We’re proud of what this win says about our standing with Australians.
WeMoney crowned us Health Insurer of the Year in 2024. We also came first in 3 more categories:
Together, the 4 wins cover what matters to us – quality, value, and how we look after customers when they claim.
In 2024, Roy Morgan named us the Most Trusted Brand in Private Health Insurance.
Roy Morgan surveys around 25,000 Australians a year, asking which brands they trust and distrust, and why. Based on what Australians said in the survey, we finished ahead of every other private health insurer compared.
Awards are one part of the picture. Here's what the data shows.
Bupa members experienced a higher proportion of no-gap medical services (no out-of-pocket costs) than Medibank Group members.1
As private patients, Bupa members were covered for a higher proportion of hospital related charges than HCF members.3
Comparison statistics are from the Private Health Insurance Ombudsman’s State of the Health Funds Report 2024–25.
This report summarises the average coverage of each insurer’s policies across Australia.
You could get 50% or more back on most dental, physio, chiro and podiatry consultations at Members First providers, up to yearly limits.4
We're proud to hold Gold Employer status in the 2025 Australian Workplace Equality Index.
We've earned an A- Leadership rating in the 2025 CDP climate change disclosure.
Unlike product awards, trusted brand awards are based on what customers think.
Find out how "Reader’s Digest Trusted Brands and Roy Morgan picked the winners in the years we won.
Here’s when we won each award.
We update this page when new results are announced.
Awards show how our cover performed when independent experts and everyday Australians assessed it. They looked at value, quality, and trust across many different situations.
The right cover for you depends on your personal circumstances and needs. For help finding the right health insurance, contact us.
1 For services provided through Medical Gap Schemes, Bupa covered 90.2% of medical services with no out-of-pocket costs vs 81.8% covered by Medibank Group from 2024 to 2025. Comparison statistics are from the Private Health Insurance Ombudsman’s State of the Health Funds Report 2024–25.
2 Bupa returned 82.4% of contributions it received back to members as benefits, vs 82% of contributions returned to NIB members as benefits from 2024 to 2025. Comparison statistics are from the Private Health Insurance Ombudsman’s State of the Health Funds Report 2024–25.
3 For the treatment of private patients in a hospital, Bupa covered 89% of hospital related charges vs 88.3% covered by HCF from 2024 to 2025. Comparison statistics are from the Private Health Insurance Ombudsman’s State of the Health Funds Report 2024–25.
4 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.
5 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.
6 You'll have the flexibility to swap services if your needs change. If you haven't made a claim for a given service within the calendar year, you can swap it for another service. If you've already made a claim on a service you'd like to change, you'll need to wait until your limits reset on 1 January to make any changes. These selections and any changes apply to everyone covered by your membership.
Get your own pre-booked room or money back at one of Australia’s largest hospital networks.5
Choose your services, your limits and how much you want to get back at any recognised provider, up to yearly limits.6
Enjoy vouchers, gift cards and more with our Life Rewards loyalty program.
No fund pays to win.
Canstar’s independent reviewers rate funds across premium cost, policy features, and benefits paid. See Canstar's process for ratings.
Finder scores hospital and extras policies on price and features, and compares them wth other policies in the same tier. Learn how Finder chooses its winners.
WeMoney's judges review insurers from the customer's point of view. They weigh product value, customer experience, and digital innovation. Read WeMoney’s methodology document.