Bupa Health Insurance

Bupa is a provider of health insurance in Australia, as well as other products such as home, pet and car insurance.

Bupa health insurance

What health insurance products does Bupa offer?

Bupa’s health insurance policies are designed to suit a variety of 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: consumers can choose from Basic Accident Only, Basic Plus Starter Hospital, Bronze Plus Simple Hospital, Silver Plus Essential Hospital, Silver Plus Advanced Hospital and Gold Complete Hospital.
  • Extras cover options: consumers can choose their level of extras cover, including Freedom 50 Extras, Budget Extras 60, Freedom 60 Extras, Your Choice Extras 60, Top Extras 60, Top Extras 75 and Top Extras 90.
  • Combined cover options: consumers 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: consumers can choose between Emergency Only or Premium Ambulance policies, which includes non-emergency trips capped at $5,000 a year (excluding Queensland and Tasmania, where residents can receive taxpayer-funded ambulance transportation from their respective state governments).

Read more about what’s generally covered by Gold, Silver, Bronze and Basic hospital cover, as well as extras policies.

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Bupa FAQs

If you decide to take out Bupa health insurance, you can get a quote on Bupa’s website or over the phone. You’ll need to select your desired policy inclusions and extras. If you request hospital cover as part of your policy, you may be asked what tier of cover you would like .

To help you find a health insurance policy that satisfies your budget and desired level of coverage, you may want to first compare your options with Canstar.

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You can manage your Bupa health insurance policy by logging into the myBupa portal on the Bupa website. From here, you will be able to make an extras claim, manage payment details, view and download statements and update your details, including to grant online authority to people on the policy and change how Bupa will contact you.

Bupa’s extras policies all include cover for general dental. The Your Choice Extras 60, Top Extras 60, Top Extras 75 and Top Extras 90 policies also offer cover for major dental. Additionally, Bupa’s Basic Plus Starter Hospital cover and higher-tier policies include cover for dental surgery.

All of Bupa’s extras policies offer cover for physiotherapy. The exact details of your cover may depend on the particular policy you choose.

Bupa’s Gold Complete Hospital policy offers cover for obstetrics (pregnancy and birth).

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Once you’ve received medical treatment or made a purchase covered by your policy, the next step is to make a claim.

If you are claiming on extras you may be able to claim on the spot, provided your healthcare provider uses the HICAPS system. This will process your claim automatically.

You can also make a claim by logging into the myBupa portal and following the prompts. You can also claim most extras services on the Bupa app. Contact Bupa or visit the Bupa website if you need assistance.

At the time of writing, Bupa does offer Overseas Student Health Cover (OSHC). If you are an international student currently in Australia on a study visa or are planning to do so in the future, you can compare OSHC policies available in Australia with Canstar:

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At the time of writing, Bupa does offer Working Visa Health Cover (also known as Overseas Visitors Health Cover or Overseas Workers Visitors Cover). Keep in mind, if you’re on an overseas visa and are from a country with a reciprocal healthcare agreement, you could be eligible for another local policy.

Compare OVHC policies on Canstar’s website:

Compare Working Visa Health Cover

Bupa Australia is part of the Bupa Group, which is an international healthcare company. While Bupa is best known in Australia as a health insurer, it also offers a range of other insurance products, such as home, pet, car, travel and home insurance.

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This content was reviewed as part of our fact-checking process.

Written by: Shay Waraker | Last updated: October 13, 2021