Each month we analyse over 10,000 hospital and extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare products a bit faster.
Before we start scoring, we need to make sure we're comparing like-for-like. Just as it doesn't make sense to compare a toy car with a Porche, it doesn't make sense to compare basic policies to top-tier gold policies. Each policy is given a price score and feature score. These are then combined to determine each policies's Finder Score. Read our full methodologies of how we calculated Finder Score for hospital cover and extras cover.
What do Australians think of Bupa health insurance?
4.14/5 overall for Customer Satisfaction - higher than the average of 4.13
4.56/5 for Trust - higher than the average of 4.46
4.19/5 for Customer Service - higher than the average of 4.17
We looked at the 2023 Ombudsman health insurance complaints. Here's how Bupa stacked up:
Its customer service is among the best compared to other large funds. With a market share of 24.9%, only 23.7% of total complaints were about Bupa. This is a better complaint ratio than most of Australia's other large funds including HCF and nib.
While it has few complaints compared to market share, it's not number 1. HBF and GMHBA scored better.
Bupa frequently asked questions
The Bupa Members First network is a group of healthcare providers across Australia that have an agreement with Bupa. When you visit a Members First provider, you usually receive higher benefits or a certainty of cost compared to non-Members First providers. This network includes dentists, physiotherapists, chiropractors and optometrists.
Yes, Bupa hospital and extras policies typically include emergency ambulance cover. The level of cover can vary by policy so it is important to check your specific product details. Generally, non emergency ambulance services are not covered unless medically necessary and approved by Bupa.
If you switch to Bupa from another Australian health fund, you can transfer any waiting periods you have already served under protability rules. This means you will not have to serve them again providing you take out an equivalent or lower level of cover. If you upgrade your cover you may need to serve new waiting periods for the additional benefits.
You can usually change your Bupa policy or update personal information by logging into your myBupa account online or through the myBupa app. Alternatively you can call Bupa customer service directly or visit a Bupa store. This includes changing your level of cover, adding or removing dependants or updating your contact and payment information.
An excess is an amount you agree to pay upfront if you need to go to hospital. Opting for a higher excess can reduce your regular premiums. A gap payment is the difference between what your doctor or specialist charges for a service and what Medicare and Bupa pay. You may incur a gap if your doctor does not participate in Bupa's Medical Gap Scheme.
You can contact Bupa customer service through several channels. Their website provides a contact page with phone numbers for general enquiries, claims and sales. You can also send an enquiry via their online form, use the myBupa app or visit one of their retail stores across Australia.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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