Bupa Health Insurance Review
The table below shows Bupa health insurance policies currently listed in Canstar’s database.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
About Bupa Health Insurance
Bupa Australia is part of the Bupa Group, which is an international healthcare company with over 29 million health insurance customers. In Australia, Bupa is best known as a health insurance provider, but it also offers a range of other insurance products, such as home, pet, car and travel insurance.
What health insurance products does Bupa offer?
Bupa’s health insurance policies are designed to suit a variety of different customers in different life stages, including singles, couples, families and single parents. At the time of writing, Bupa provides the following hospital, extras and combined hospital and extras products:
- Hospital cover options: Customers can choose from Basic Accident Only, Basic Plus Starter Hospital, Bronze Plus Simple Hospital, Silver Plus Essential Hospital, Silver Plus Advanced Hospital and Gold Comprehensive Hospital policies.
- Extras cover options: Customers can choose their level of extras cover, including Extras Saver, Freedom 50 Extras, Starter Extras, Freedom 60 Extras, Core Extras, Freedom 60 Boost Extras, Wellness Extras, Super Extras, Super Extras Active, Top Extras, Top Extras Boost.
- Combined cover options: Customers can choose from all tiers of hospital cover combined with varying levels of extras cover, which can include cover for services such as dental, optical and more.
- Ambulance cover: Customers can choose between Emergency Only or Premium Ambulance policies—which includes non-emergency trips capped at $5,000 a year. It’s important to keep in mind that in Queensland and Tasmania, residents can receive taxpayer-funded ambulance transportation from their respective state governments.
You can also compare Gold, Silver, Bronze and Basic hospital cover policies, as well as extras policies with Canstar. It’s important to read all relevant documentation, such as the Product Disclosure Statement (PDS) and Target Market Determination (TMD), for any policy you are considering.
Can I get dental cover with Bupa?
All of Bupa’s extras policies include cover for general dental. How much you are covered for, how much you will get back when you make a claim and your annual limits will be determined by the extras policy you choose.
Core Extras, Freedom 60 Boost Extras, Wellness Extras, Super Extras, Super Extras Active, Top Extras and Top Extras Boost policies also offer cover for major dental (i.e. complex oral surgery, Root Canal Therapy and Fillings, Crowns and Dentures). Additionally, Bupa’s Basic Plus Starter Hospital and higher-tier hospital cover policies include coverage for dental surgery.
Does Bupa’s health insurance cover physiotherapy?
Almost all of Bupa’s extras policies offer cover for physiotherapy—with the exception being the Extras Saver policy. How much you are covered for, how much you will get back when you make a claim and your annual limits will be determined by the extras policy you choose.
Does Bupa’s health insurance cover obstetrics?
Only Bupa’s Gold Comprehensive Hospital policy offers cover for obstetrics (pregnancy and birth). This is due to pregnancy related medical costs being quite high, especially through the private health system.
Does Bupa offer family policies that cover adult children?
Yes, adult children (classified as student or non-student dependents) can remain on eligible Bupa family health policies until their 32nd birthday—depending on certain restrictions. These include having to study full time at a university, TAFE or other educational institution (apprenticeships excluded), not be receiving income from an education provider and not being married or living in a de facto relationship. Visit Bupa’s website for more information.
How do I join Bupa?
If you decide to take out a Bupa health insurance policy, you can compare Bupa policies in the above table and then press the ‘Get Quote’ button to generate a quote. This will take you to the Bupa website where you can join.
If you’re interested in weighing up all of the health insurance providers on Canstar’s database, you can compare health insurance using Canstar’s comparison tables.
Frequently Asked Questions about Bupa Health Insurance
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Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
About the authors
Nick Whiting, Content Producer

Joshua Sale, GM, Research

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Health Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn, and Canstar on X and Facebook.
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