Bupa Health Insurance

Bupa Australia is a provider of health insurance, car insurance, home and contents insurance, life insurance, travel insurance, and pet insurance.

Bupa health insurance“Helping you find a healthier you.”

Policy Options: What Bupa health insurance covers

The inclusions below represent a selection of what is covered. Additional conditions may apply to different features. CANSTAR is not making any suggestion or recommendation to you about this product.  Please ensure that you read the product disclosure statement to determine all the current policy options and inclusions for the product you are considering.

BUPA Hospital Only Policy

Most BUPA Hospital Only and Hospital and Extras policies include varying levels of the following hospital cover – please check the policy you choose though as not all procedures are covered under all policies:

Hospital Cover
Budget Hospital Standard Hospital Top Hospital Cover
Joint Replacement N N Y
Assisted Reproductive (IVF) R R Y
Cataract R R Y
Gastric Banding R Y Y
Obstetrics R Y Y
Psychiatric R Y Y
Cardiac Y Y Y
Colonoscopy Y Y Y
Knee Reconstruction Y Y Y
Palliative Y Y Y
Rehabilitation Y Y Y
Wisdom Teeth Y Y Y

Source: PHIO

R: Restrictions – services that are covered to a limited extent, which means you will have greater out-of-pocket expenses. Restricted benefits are not sufficient to cover the full hospital cost of a private hospital admission and you will need to pay for the difference in cost.

B: Benefit limitation periods – which pay reduced benefits on one or more services for a set period of time after the waiting period, then pay full benefits after this period.

Visit the Bupa Australia website for a quote specific to your situation.

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BUPA Extras Only Policy

Extras Only policies can be added to Hospital Only policies, so you can choose the level of extras you want.

 Extras Cover
Bronze Extras Silver Extras Gold Extras Platinum Extras
Chiropractic Y Y Y Y
General Dental Y Y Y Y
Massage Y Y Y Y
Naturopathy Y Y Y Y
Optical Y Y Y Y
Physiotherapy Y Y Y Y
Endodontic N Y Y Y
HearingAids N Y Y Y
Major Dental N Y Y Y
Orthodontic N Y Y Y
Podiatry N Y Y Y
Psychology N Y Y Y

Source: PHIO

It’s important to note that each level of extras cover will offer varying levels of each type of benefit  – please carefully check the policy you choose to see exactly what is included.

 

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BUPA Hospital and Extras Policy (Packaged Cover)

Hospital Policy
Active Saver Simple Start Young Saver Young Choice Prime Plus Ultimate Health Cover
Joint Replacement R R R N N Y
Obstetrics R R R R N Y
Cardiac R R R R Y Y
Cataract R R R R Y Y
Psychiatric R R R R Y Y
Rehabilitation R R R R Y Y
Colonoscopy R R R Y Y Y
Palliative R R R Y Y Y
Knee Reconstruction Y Y Y Y Y Y
Wisdom Teeth Y Y Y Y Y Y
Extras Policy
Chiropractic Y Y Y Y Y Y
General Dental Y Y Y Y Y Y
Physiotherapy Y Y Y Y Y Y
Massage Y N Y Y Y Y
Naturopathy Y N Y Y Y Y
Podiatry Y N Y Y Y Y
Optical N Y Y Y Y Y
Endodontic N N Y Y Y Y
Major Dental N N Y Y Y Y
Psychology N N N Y Y Y
Hearing Aids N N N N Y Y
Orthodontic N N N N N Y

Source: PHIO

R: Restrictions – services that are covered to a limited extent, which means you will have greater out-of-pocket expenses. Restricted benefits are not sufficient to cover the full hospital cost of a private hospital admission and you will need to pay for the difference in cost.

B: Benefit limitation periods – which pay reduced benefits on one or more services for a set period of time after the waiting period, then pay full benefits after this period.

Visit the Bupa Australia website for a quote specific to your situation.

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About Bupa: Why choose Bupa

Why choose Bupa health insurance

Bupa was founded in the UK, and they began in the 1930s in Australia to help people cover the cost of their hospital treatment, and are now present in over 190 countries. They were formed by three main health providers: HBA, MBF, and Mutual Community.

Bupa has an amazing list of online health tools and calculators that you can use to track your progress towards your health and fitness goals. Mobile apps from Bupa Australia that can help you find a healthier you include:

  • Bupa App: Make a health insurance claim on the go. Find a healthcare provider near you. Update your policy’s details or change policies.
  • medAdvisor: Your pocket pharmacist, reminding you to take your meds at the right time and how to take them safely.
  • FoodSwitch: Create shopping lists and find healthier versions of each product. Filters include diets to reduce salt, reduce fat and cholesterol, reduce kilojoules (calories), reduce sugar, and gluten-free.
  • Choosing a care home: Work through checklists to find an aged care home near you, evaluate the services provided by the home, and look for the signposts of quality care.
  • Health age calculator: Try this calculator to work out where you need to make changes to get your fitness on track.

Bupa won the coveted CANSTAR Award for Outstanding Value Health Insurance in 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009 and 2018. The key to their success is their development of health insurance policies specifically targeted to the needs of different life stages, such as Young Singles, Growing Families, and Live Well cover.

We highly recommend the vox pops series on Bupa Australia’s YouTube channel. Bupa asked the Australian public many important health questions such as “How do you get a baby to sleep?” and “Do you find it hard to talk about cancer?” They also have videos with experts talking about different diseases and their treatments.

As the release of Star Wars Episode VII has arrived at last, we urge you along with Bupa: “May the floss be with you“. When you go see the movie, remember: Bupa members get 25% off when they visit major cinemas and bowling lanes.

How Bupa supports the community

  • Bupa Health Foundation: $26 million invested to date in national initiatives for wellbeing, chronic disease, healthy ageing, empowering people about their health, and affordable healthcare. Community and charity grants are available.
  • Nursing: Bupa supports the McGrath Foundation Telephone Support Nurse program, which provides telephone support to patients while Breast Care nurses are on leave.
  • Fitness: Bupa is a proud supporter of initiatives to get Australian kids and adults fit and healthy, including the Weet-Bix Kids TRYathlon, Santos Tour Down Under (UCI World Tour cycling), Adidas School Fun Run.
  • Reconciliation Action Plan: Bupa aim to close the gap in health outcomes for Aboriginal and Torres Strait Islander communities.

How Bupa supports the environment

Since January 2014 BUPA has invested more than $17 million in renewable energy, employee engagement projects and energy upgrades. Bupa won the ABA100 Winner in the Australian Business Awards (ABA) 2015 for Sustainability. Find out more here.

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 Written by: TJ Ryan