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Bupa Extras Health Insurance

Choose from 5 levels of extras cover from one of Australia's most recognised health funds.

Bupa is one of the most well-known names in health, both in Australia and around the world. With a focus on smart, affordable policies that almost anyone can make use of, it might be worth going to Bupa for your extras cover.

Speak to a health insurance advisor for Bupa cover

Need help now? Enter your details for a call back about your health insurance options. An expert can help you compare up-to-date policies from eight funds to see which one is best for you.

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  • Pay the same as going direct
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What extras plans does Bupa offer?

There are five pre-made plans to choose from and you can tailor your own plan with Your Choice Extras.

How does Your Choice Extras work?

This option lets you select up to four different benefits and always includes emergency ambulance as a fifth benefit.

  • You can change your extras every 12 months.
  • You’ll get benefit limits that grow over time, eventually capping at maximums broadly equivalent to a Silver policy after 6 or 7 years.
  • A 12-month waiting period applies to orthodontics and major dental, so you need to select them for 2 years in a row to be able to make a claim.

The amount you are reimbursed, as well as your annual limits for optical cover, is dependent on whether you visit a Bupa member provider. Even if you visit a non-member provider, you can still claim fixed amounts instead of getting a percentage of costs covered.

Annual per person limits also apply.

  • The dollar values are the most you can claim per person, per calendar year.
  • When you sign up for a family or couples policy, your ambulance limits will be two services per year instead of one.
  • Per-item sublimits also apply to health aids.
BenefitOrange 50Budget Extras 60Orange 60Your Choice Extras 60Top Extras 60Top Extras 75Top Extras 90
Reimbursement50%60%60%60%60%75%90%
General dental$500 $350$700 $700 UnlimitedUnlimitedUnlimited
Major dental
  • no
  • no
  • no
$0 $1,000$1,100$1,200
Orthodontics
  • no
  • no
  • no
$0 $700 $800 $900
Optical
  • no
$150 or $210 based on membership$150$180 or $260 based on membership$200 or $290 based on membership$240 or $340 based on membership$280 or $380 based on membership
Physiotherapy$500 $350 combined$700 $450 $700$800$900
Chiropractic and osteopathy$500 $350 combined$700 $350 or $500 based on membership $500$600$700
Antenatal and postnatal
  • no
$350 combined
  • no
$350 $350$400$450
Natural Therapies
  • no
$350 combined$500 $100 $400 $500 $500
Pharmacy
  • no
$100
  • no
$300 $500$600$750
Dietary
  • no
  • no
  • no
  • no
$400$500$750
Psychology
  • no
  • no
  • no
  • no
$400$500$750
Podiatry (no orthotics)
  • no
  • no
  • no
$350 $400$500$750
Speech therapy
  • no
  • no
  • no
$400 $400$500$750
Eye therapy
  • no
  • no
  • no
$400 $400$500$750
Occupational therapy
  • no
  • no
  • no
$400 $400$500$750
Home nursing
  • no
  • no
  • no
  • no
$350$350$400
Health aids and appliances
  • no
  • no
  • no
  • no
$800$1,000$1,200
Travel and accommodation
  • no
  • no
  • no
  • no
$100 and $150$100 and $150$100 and $150
Emergency ambulance1 service1 service1 service1 service1 service1 service1 service

Data last confirmed as correct 17 October 2019

What other benefits are available?

When you join Bupa, you also get a range of member discounts and other bonuses.

  • Optional pharmacy saver. Add this option to any of the policies to enjoy 20% off beneficial medications, such as medication for disease management or chronic conditions, at National Pharmacies stores.
  • Member discounts. Get significant discounts on a wide range of health and wellness products, sporting goods, travel and entertainment.

Limitations of your cover

You are only able to claim benefits for services or treatments provided by a registered and recognised private practitioner.

You are not able to claim benefits for services that are claimable under Medicare or another third-party option. In addition, you cannot claim benefits for services provided outside of Australia or that were not fully customised for you. For example, prescription glasses are customised while non-prescription lenses aren’t.

Ambulance cover comes with all Bupa extras policies, but only for emergencies. This does not include ambulance transport from a hospital to your home, from a hospital to a nursing home or in other non-emergency situations.

Waiting periods also apply, and you cannot make claims during this period.

  • 12 months for health aids, orthodontics and major dental
  • 6 months for lifestyle benefits, such as being able to claim the cost of gym memberships
  • 2 months for everything else
  • No waiting period for emergency ambulance service

How do I make a claim?

There are several ways you can claim your Bupa health extras:

  • On the spot. Simply swipe your membership card and pay any difference. Around 20,000 service providers around Australia accept Bupa membership cards.
  • Online. To make a claim for services that you’ve already paid for, sign into your myBupa account and enter the details on your receipt. Your reimbursement will be automatically paid to your nominated account. This is not available for ambulance, health aids, orthodontics, travel/accommodation or pharmacy extras claims.
  • By post. Fill out a claim form, attach your receipt and invoice and then post it to Bupa Reply Paid 990, Adelaide SA 5001. Payments will then be made to you by EFT if you’ve provided your details on the form or by cheque if you haven’t.

Looking for Bupa's hospital policies? Read our review and find out if it's right for you.

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4 Responses

  1. Default Gravatar
    SaiNovember 15, 2018

    I have a speech impediment.If I go to latrobe communication clinic and do a therapy then will Bupa cover the cost?

    • Avatarfinder Customer Care
      JoshuaNovember 29, 2018Staff

      Hi Sai,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Bupa do cover speech therapy. However, this would depend on the level of your cover. For example, if in case you only get their Bronze Plan, then you won’t be covered. On the table above, you would see that Your Choice Extras, Silver, Gold, and Platinum plans can cover speech therapy.

      It would be a good idea to check with Bupa directly to confirm whether you’d be covered or not.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    carolOctober 16, 2018

    what are lifestyle befefits

    • Avatarfinder Customer Care
      JohnOctober 18, 2018Staff

      Hi Carol

      Thank you for leaving a question

      Lifestyle benefits have recently been changed to Health Management. As advised on the website, Health Management extras service helps you reach your goals by covering some of the costs for health-related programs including: nicotine replacement therapy, weight management programs and health subscriptions to Diabetes Australia and Asthma Foundation. Hope this helps!

      Cheers,
      Reggie

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