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Bupa Overseas Visitor Health Cover Review

Bupa Overseas Visitor Health Cover is good if you want lots of choice and a reliable, trusted provider.

Updated

Nov 4, 2021

Fact checked

Several Australian visa types require visitors to take out overseas visitor health cover (OVHC). Bupa offers several OVHC types and all options are 100% compliant with Australian 485 and 482 visas.

Pros

It's well-known and trusted. Bupa is the second-largest health insurer by market share in Australia, just behind Medibank, and has a global presence.
It comes with lots of options to suit various budgets – unlike many other brands.

Con

It can't cover everything – you'll still incur out of pocket expenses if you need medical care.

Bupa Care Australia OVHC: Our verdict

Bupa is good if:

You need to meet condition 8501 of your visa.
You want to avoid ambulance fees.
You aren't covered by a RHCA.

Bupa is not great if:

You're overwhelmed by lots of choices.
You're coming to Australia as a student – you'll need OSHC.

_{Review by our insurance and innovations editor Gary Ross Hunter}

What types of health insurance does Bupa OVHC offer?

Hospital
Extras
Ambulance

Hospital icon

Hospital Coverage

Bupa offers six OVHC plans:

Essential Lite Visitors Cover
Essential Visitors Cover
Essential 50 Visitors Cover
Mid 60 Visitors Cover
Premium Visitors Cover
Premium 90 Visitors Cover

	Essential Lite	Essential	Essential 50	Mid 60	Premium	Premium 90
Weekly starting cost	$22.39	$25.96	$31.81	$42.68	$61.99	$91.09
Hospital cover	Medium	Medium	Medium	Medium	Top	Top
Amount of costs covered	Medium	Medium	Medium	Medium	High	High

Extras icon

Extras coverage

Unlike many other insurers, Bupa offers several extras insurance options, including:

Freedom 50 Extras. This pays 50% towards benefits including General Dental, Physio, Chiro and Osteo.
Freedom 60 Extras. This pays 60% towards benefits including General Dental, Physio, Chiro, Osteo and Remedial Massage.
Top Extras 75. This pays 75% towards benefits including General Dental, Major Dental & Endodontic, Optical, Physiotherapy, Acupuncture, Remedial Massage and more.
Top Extras 90. This pays 90% towards benefits including General Dental, Major Dental & Endodontic, Optical, Physiotherapy, Acupuncture, Remedial Massage and more.

Ambulance icon

Ambulance coverage

Bupa will pay 100% of the cost of emergency ambulance transport across Australia. Ambulance services aren't generally free in Australia.

Bupa health insurance complaints

We looked at the 2021 Ombudsman health insurance complaints. Here's how Bupa stacked up:

It's good if you want a reliable customer service provider – it had a better complaint ratio than most of Australia's other large funds including HCF and nib.*

While it didn't receive many complaints compared to market share, it's not quite the best. HBF, Peoplecare and Medibank did slightly better.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. Bupa is eleventh overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

Bupa OVHC frequently asked questions

The costs covered are different depending on which option you choose. When you pick Essential Lite, Essential or Essential 50, you might need to pay more out of pocket for hospital procedures than if you pick Mid 60, Premium or Premium 90.
Not all procedures will be fully covered either. Certain treatments like heart surgery, hip replacements and renal dialysis may result in more out-of-pocket expenses.
Waiting periods also apply to certain treatments. For most hospital services and extras services, you will have to wait for two months after taking out cover before you can claim them. For most pre-existing conditions, it is 12 months for hospital cover.
When you sign up, Bupa will give you a membership card. This can be used at participating extras service providers to claim reimbursement for services, as covered under your plan.
For hospital treatments, the hospital can bill Bupa for services directly, and you will often only need to pay the difference, as well as any applicable excess, directly to the hospital or service provider.

Thank you for your feedback!

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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