If you're the policy holder, you'll get an email or letter telling you about any premium changes. Your premium will be updated automatically.

Your current price applies to all payments made by 31 March 2026 11:59pm AEDT. You can pay up to 12 months worth of premiums in advance. Call 134 135 and follow the prompts.

Each year, health funds review premiums to make sure cover keeps up with the rising costs in healthcare. Premium increases are a result of things like advances in medical technology, growing demand for treatment, and the increasing costs of delivering care – including the wages of the skilled workforce that provides it.

We do our best to keep premiums low while making sure cover remains sustainable and reliable, so you’ll be covered if, and when, you need it most.

Health insurance is a shared safety net that helps ensure access to quality care when it matters. Premiums support investment in hospitals, doctors and services, so care is available when you need it. As healthcare costs rise, premiums may change over time to keep cover reliable and sustainable – even if you don’t need to claim often.

Our average premium increase is calculated across all our domestic covers. If a product’s premium increase is more than the average, that usually means the cost to maintain the cover has increased more than others.

You can always contact us to see if there are any cover options that are better suited to you.

Bupa paid out an average of 82.4 cents per premium dollar between 30 June 2024 and 30 June 2025. On average, Australian health funds pay out a higher proportion of their premiums compared to general insurance..