Bupa vs HCF

Bupa and HCF are two major health insurance providers in Australia. So how do they compare?

Below we compare some of the products available from Bupa and HCF including health insurance, overseas health cover, travel insurance and pet insurance.

What products do Bupa and HCF offer?

Here are some of the main products offered by Bupa and HCF:

Bupa HCF
  • Health insurance
  • Overseas student health cover (OSHC)
  • Overseas visitor health cover
  • Travel insurance
  • Car insurance
  • Home insurance
  • Landlord insurance
  • Pet insurance
  • Valuables insurance
  • Health insurance
  • Overseas visitor health cover
  • Travel insurance
  • Pet insurance
  • Life insurance

Bupa vs HCF health insurance

Bupa and HCF offer a range of health insurance products, including hospital only, extras only, combined hospital and extras and ambulance cover. You can also choose health insurance by your life stage, including health insurance for singles, couples, families and single parents.

If you are considering Bupa or HCF health insurance, you can compare what’s available in the snapshot of our comparison table below. This table is based on a couple living in the state of NSW, and are looking for a packaged Hospital & Extras policy excluding Pregnancy cover. The table is sorted by star rating (highest to lowest).

You can compare Bupa and HCF health insurance with Canstar. You can filter products based on the type of cover you want, your life stage, where you live and your age.

Compare health insurance

Bupa vs HCF overseas visitors health cover

Bupa and HCF also offer overseas visitors health insurance for people visiting Australia or working in Australia. These policies may be suitable if you need health insurance to meet your visa requirements.

If you are considering Bupa or HCF working visa health cover, you can compare what’s available with Canstar.

Compare working visa health cover

Bupa also offers overseas student health cover (OSHC) for international students. Bupa says this also meets visa health insurance requirements.

Compare OSHC

Bupa vs HCF travel insurance

Bupa currently offers both domestic and international travel insurance, issued by IAG, trading as CGU Insurance. Policies range in coverage from essentials cover to platinum cover. HCF does not currently offer travel insurance for new customers. It previously offered travel insurance issued by Allianz.

If you are considering Bupa or HCF travel insurance, you can compare what’s available in our comparison table below. This table is based on insurance for a couple aged less than 60 years old, who are travelling to the USA on a 10-day trip. The table is sorted by star rating (highest to lowest).

Compare travel insurance

Bupa vs HCF pet insurance

Bupa and HCF offer pet insurance for dogs and cats. You can choose from different levels of cover, including accident and illness cover and comprehensive cover with the option of adding routine care cover. Bupa pet insurance and HCF pet insurance are both issued by Hollard.

If you are considering Bupa or HCF pet insurance, you can compare what’s available in our comparison table below. This table shows the pet insurance options on offer for a 1-year-old dog of a medium-sized breed, for Accident & Illness cover.. The table is sorted by star rating (highest to lowest).

Compare pet insurance

Before applying for any product, consider reading the relevant product documents on the Bupa and HCF websites including the Private Health Information Statement, Product Disclosure Statement (PDS) and Target Market Determination (TMD) where relevant.

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

Written by: Tamika Seeto | Last updated: January 12, 2022