HIF health insurance review | Finder

Bupa health insurance review

How Bupa health insurance stacks up for complaints, cover and value for money

Bupa Health Insurance

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Bupa health insurance has been around in Australia since 2002 and has over 4 million members. It offers 6 hospital policies, 7 extras options and a number of combined covers.

Our Verdict

  1. Their plus policies give you more for your money. Unlike some other providers, their basic policy covers you for joint reconstructions, lung and chest, and miscarriage and termination of pregnancy.
  2. Bupa is popular. They're the second largest health insurer by market share in Australia, just behind Medibank.
  3. Between 1 October and 31 December 2020, Bupa had the second-highest percentage of complaints among all health insurers (keep in mind that they have the second largest market share in Australia).

Review by our insurance writer Gary Hunter

finder.com.au does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

Speak to a health insurance advisor

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.

What you'll get:

  • 100% free expert advice
  • Pay the same as going direct
  • Instant advice if you call 1300 594 882

Choosewell Lender Logos

What Bupa Health Insurance options are available?


Bupa hospital cover policies now reflect the new government private health insurance tiers. It offers the following hospital cover options:

  • Basic Accident Only Hospital. This covers you for things like operating theatre, intensive care and ward fees. It also comes with a feature called Accident Inclusion. If you have an accident, Bupa will cover you in a private hospital for treatments that are excluded or restricted on your cover.
  • Basic Plus Starter Hospital. As well as Accident Inclusion, this one comes with services such as tonsils, adenoids and grommets, joint reconstructions and dental surgery.
  • Bronze Plus Simple Hospital. This covers psychiatry, rehab and palliative care on a restricted basis, plus full cover for a handful of important treatments like cancer treatments, dental surgery, brain surgery, tonsil removal and hernia repair.
  • Silver Plus Essential Hospital. This covers you for 30 of the 38 clinical categories, a few more than the minimum requirement for silver, which is 27.
  • Silver Plus Advanced Hospital. This covers you with most services (except pregnancy) and includes special features such as Best Doctor second opinion service.
  • Gold Complete Hospital. This includes all 38 government-approved treatments you'd receive in a hospital including pregnancy, assisted reproductive services and weight loss surgery.


  • Orange 50. With Orange 50, you'll get 50% back at any provider for services including general dental, physio, chiro and osteo, up to your yearly limits. You'll also get a flexi-limit, which allows you to spread your annual limit across a range of services or use the entire limit on one service.
  • Budget Extras 60. This covers your basic treatments like general dental, optical and a range of therapies like physio and chiro but it also includes treatments you usually find in higher level policies like antenatal and postnatal treatments, exercise physiology and pharmacy. It also includes emergency ambulance cover. Bupa reimburses you 60% toward most covered treatments.
  • Orange 60. This extras policy gives you 60% back at any provider for services like general dental, physio, chiro and osteo, up to your yearly limits. It also comes with a flexi-limit, so you can spread your annual limit across a range of services or use the entire limit on one service.
  • Your Choice Extras 60. This provides the same 60% reimbursement rate as Budget Extras 60 and includes all the same treatments plus a few more. With this policy, you'll also get major dental, orthodontics, speech therapy, podiatry and more. However, your major dental and orthodontics benefits don't kick in until your second year of cover.
  • Top Extras 60. With the same reimbursements rate and all the same treatments as the previous two policies, Top Extras 60 adds quite a few more treatments to the mix, including psychology, dietary counselling, home nursing, health aids/appliances and travel/accommodation expenses if you have to travel far for hospital treatment (you'd have to have a Bupa hospital policy to take advantage of this benefit).
  • Top Extras 75. This is the same cover as the Top Extras 60 policy, but with a 75% reimbursement rate instead of 60%. It also has higher benefit limits on many treatments.
  • Top Extras 90. This is the same as the other two top extras policies, but with a 90% reimbursement rate and higher benefit limits on most treatments.


You can combine any of the standalone hospital policies with any of the extras policies to create your own customised packaged cover. Or you can choose one of Bupa's unique packages that combine hospital and extras cover that you can't buy individually. These are:

  • Basic Plus Active Saver. This package is for someone who wants the bare minimum of both hospital and extras cover. The hospital portion covers a handful of very basic treatments like tonsil removal, joint reconstruction, dental surgery plus restricted cover for psychiatry, rehab and palliative care. Extras is very similar to Budget Extras 60, but with lower benefit limits.
  • Basic Plus Young Singles Saver. With this package, the hospital portion covers basic treatments like minor gynecological surgery, miscarriage and termination of pregnancy, and tonsils, adenoids and grommets. Your extras cover will give you 60% back on most treatments, with cover for major dental, orthodontics, podiatry and travel vaccines.
  • Bronze Plus Young Singles Choice. The hospital portion of this cover includes everything necessary for it to be classed as bronze, plus 9 other benefits like sleep studies, dental surgery, blood and lung and chest cover. Extras is very similar to the Your Choice Extras 60, but with higher benefit limits and the ability to claim on major dental and orthodontics during your first year of cover. However, you can't claim on orthodontics for purely cosmetic reasons. It must be the result of an accident.
  • Silver Plus Prime. This gives you top cover that's tailored to life's later years. It doesn't come with pregnancy so you'll save money not having to pay for this service. As well as everything you get with a silver policy, you'll also get insulin pumps, pain management with device, sleep studies, joint replacements and a generous range of extras services.
  • Gold Ultimate Health Cover. The hospital portion of this includes all 38 clinical categories, meaning you're covered for everything. It also includes up to 100% back at Members First providers and the highest benefit limits on all extras services.
  • Emergency Only Ambulance Cover. Insures you for the cost of emergency road and air ambulance transport Australia wide.
  • Premium Ambulance Cover. Provides an additional $5,000 benefit for non-emergency road and air ambulance trips.

Where is my closest Bupa Centre?

CentreNameAddress 1Address 2OpenClose
BupaBelconnenShop 161, Level 3Westfields Belconnen, Benjamin Way9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
BupaWoden PlazaShop G73/75, Westfield Woden2 Keltie St9:00am Mon-Fri5 Pm - Mon-Fri
CentreNameAddress 1Address 2OpenClose
BupaAlburyShop 3, 481 Dean Street9:00am Mon-Fri4 Pm - Mon-Fri
BupaBankstownShop T250 Centro Bankstown9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday,2 Pm - Sat
BupaBarangaroo, SydneyT3.04 300 Barangaroo Ave9:00am Mon-Fri5 Pm - Mon - Friday
BupaBlacktownShop 3006, Patrick Street levelWestpoint Blacktown, 17 Patrick St9:00am Mon-Fri, 10:00am Sat5:00 pm - Mon-Fri, 2:00 pm Sat
BupaBondi JunctionShop 5, 2 Grosvenor Street9:00am Mon-Fri5:00 pm Mon-Fri
BupaBurwoodShop 326, Westfield Burwood100 Burwood Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaCabramattaKiosk A, Dutton Lane9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday, Sat - 2:00 Pm
BupaCastle HillShop 375 Castle Towers Shopping Centre6-14 Castle Street9:00am Mon- Sat5:00 pm - Mon - Sat
BupaChatswoodShop 1, 318 - 320 Victoria Avenue9:00am Mon- Sat5:00 pm - Mon - Sat
BupaCoffs HarbourShop 28, Park Beach Plaza253 Pacific Highway9:00am - Mon-Fri5:00 pm - Mon - Fri
BupaHornsbyShop 1073, Westfield HornsbyCnr Florence and Hunter St9:00am Mon-Sat5:00 pm - Mon-Fri, 2:00 pm Sat
BupaHurstvilleShop 228, Lower LevelWestfield Hurstville, Cnr Cross St & Park Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaKotaraShop 1063, Westfield KotaraCorner Park Avenue & Northcott Drive9:00am Mon-Fri5 Pm - Mon-Fri
BupaLismore89 Keen Street(Inside Blooms the Chemist)9:30am - Mon-Fri2:30 pm - Mon - Fri
BupaLiverpoolShop 157Westfield Liverpool, Macquarie Street9:00am Mon-Sat5 Pm - Mon - Sat
BupaMacquarieShop 49Macquarie Shopping Centre, Cnr Herring & Waterloo Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaMirandaShop 1083, Westfield Miranda600 Kingsway9:00am Mon-Sat5 Pm - Mon - Friday, Sat - 1:00 Pm
BupaParramattaShop 5010 (Level 5)Westfield Parramatta, 159-175 Church St9:00am Mon- Sat5:00 pm - Mon - Sat
BupaPenrithShop 107, Westfield Penrith585 High St9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday, Sat - 2:00 Pm
BupaSYDNEY CBD - George St317 George Street9:00am Mon-Fri5 Pm - Mon - Friday
BupaTamworthShop T5Tamworth City Plaza, 436 Peel St9:00am Mon-Fri5 Pm - Mon - Friday
BupaWagga Wagga151 Baylis St9:00am Mon-Fri5 Pm - Mon - Friday
BupaWorld SquareShop 9.28B, World Square Shopping Centre644 George St10:00am Mon-Sat6:00 Mon - Fri, 2:00 Pm Sat
CentreNameAddress 1Address 2OpenClose
BupaCasuarinaShop GD 011 Casuarina Square247 Trower Road9:00am Mon- Sat5:00 pm - Mon - Sat
CentreNameAddress 1Address 2OpenClose
BupaBrisbane CBD91 Adelaide St9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Fri, 2:00 pm Sat
BupaBroadbeachShop 1542 Pacific Fair Shopping CentreHooker Boulevard9:00am Mon-Sat5 Pm - Mon - Sat
BupaCairnsShop 38 Cairns Central Shopping Centre1-21 McLeod St9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
BupaCarindaleShop 1023, Westfield Carindale1151 Creek Rd9:00am Mon-Sat5 Pm - Mon - Sat
BupaChermsideShop 219Westfield Chermside, Cnr Gympie & Hamilton Rds9:00am Mon- Sat5:00 pm - Mon - Sat
BupaCoomeraWestfield Coomera Shopping Centre, Shop 1046Foxwell Road Coomera9:00am Mon- Fri5:00 pm - Mon - Fri
BupaGarden CityShop 1019, Westfield Garden CityCnr Logan & Kessels Rd9:00am Mon-Sat5:00 pm Mon-Sat
BupaIndooroopillyShop 1030 Indooroopilly Shoppingtown322 Moggill Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaMackayCnr Victoria Street and Mangrove Road322 Moggill Road9:00am Mon-Fri5 Pm - Mon - Fri
BupaMaroochydoreShop L01 301, Sunshine PlazaHorton Pde9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday,2 Pm - Sat
BupaRockhamptonShop E08, Stockland, RockhamptonYamba Road and Bruce Highway9:00am Mon-Fri5 Pm - Mon - Fri/td>
BupaSunnybankShop 141358 Mains Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaToowoombaShop 20A, Grand Central Shopping CentreCnr Margaret and Dent Street9:00am Mon-Fri5 Pm - Mon - Fri
BupaTownsvilleShop 250 Stockland310-330 Ross River Rd9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
CentreNameAddress 1Address 2OpenClose
BupaAdelaide Rundle Mall103 Rundle MallCorner to Regent Arcade9:00 am Mon-Fri, 10am Sat5:00 pm - Mon-Fri, 3:00pm Sat
BupaBurnsideShop 7&8 Burnside Village447 Portrush Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaElizabethS135, Elizabeth Shopping Centre50 Elizabeth Way9:00am Mon-Fri, 10am Sat5 Pm Mon-Fri, 3:00pm Sat
BupaMarionShop 2011, Westfield Marion297 Diagonal Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaModburyShop 34 (Level 1), Westfield Tea Tree Plaza976 North East Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaMount GambierFC001 Gambier Central Shopping Centre21 Helen St9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
BupaWest LakesShop 221, Westfield West Lakes111 West Lakes Boulevard9:00am Mon-Fri, 10am Sat5:00 pm - Mon-Fri, 3pm Sat
CentreNameAddress 1Address 2OpenClose
BupaHobartShop FF09 Cat & Fiddle Arcade51 Murray Street9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Fri ,3 Pm - Sat
BupaLaunceston110 Charles Street9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Fri, 3 Pm - Sat
BupaRosny (Eastlands)Shop G34Eastlands Shopping Centre, Bligh Street9:00am Mon- Fri, Sat - 10:00 am5:00 pm - Mon-Fri, 3 Pm - Sat

- Mon-Fri, 2:00pm Sat

CentreNameAddress 1Address 2OpenClose
BupaBallaratShop 077, Stockland WendoureeCnr Norman and Gillies Streets9:00am Mon-Fri, 10:00am Sat5:00 pm - Mon-Fri, 3:00pm Sat
BupaBendigoShop G.23Bendigo Marketplace Shopping Centre9:00am Mon-Fri, 10:00 am Sat5:00 pm Mon-Fri, 3:00 pm Sat
BupaBox HillShop 27 Box Hill Central1 Main Street9:00am Mon-Sat5:00 pm - Mon-Sat
BupaChadstoneShop B157, Chadstone Shopping Centre1341 Dandenong Road9:00am Mon-Sat5:00 pm - Mon-Sat
BupaDoncasterShop G058 Westfield Doncaster619 Doncaster Rd9:00am Mon-Sat5:00 pm - Mon-Sat
BupaFountain GateShop 2117, Westfield Fountain Gate25-55 Overland Drive9:00am Mon-Sat5:00 pm - Mon-Sat
BupaGeelongShop 218Westfield Geelong, Malop Street9:00am Mon- Fri, Sat - 10:005:00 pm - Mon - Fri, Sat - 3:00 pm
BupaGlen WaverleyShop 1.32Centro The Glen, 235 Springvale Rd9:00am Mon-Sat5:00 pm - Mon-Sat
BupaHighpointShop 2550, Level 2 Highpoint Shopping Centre200 Rosamond Rd9:00am Mon-Sat5:00 pm - Mon-Sat
BupaMelbourne CBD247 Collins Street9:00am Mon-Fri5:00 pm - Mon-Fri
BupaNorthlandShop J003, Northland Shopping Centre2-50 Murray Rd9:00am Mon-Fri, 10:00am Sat5:00 pm - Mon-Fri, 3:00pm Sat
BupaRingwoodShop 1158 Eastland Shopping Centre175 Maroondah Hwy9:00am Mon-Fri, 10:00am Sat5:00 pm - Mon-Fri, 3:00pm Sat
BupaSwanston Street - Chinatown Melbourne195 Swanston Street9:00am Mon- Fri, 10am Sat5:00 pm - Mon - Fri, 3pm Sat
BupaSouthlandShop 3022, Westfield Southland1239 Nepean Hwy9:00am Mon-Sat5:00 pm - Mon-Sat
BupaWerribeeShop 111, Pacific WerribeeCorner Derrimut & Heaths Rd9:00am Mon-Fri, 10:00am Sat5:00 pm - Mon-Fri, 3:00pm Sat
CentreNameAddress 1Address 2OpenClose
BupaCanningtonShop 1176, Westfield Carousel1382 Albany Hwy9:00am Mon- Sat5:00 pm - Mon - Sat
BupaCockburnShop G-020A, Cockburn Gateway Shopping Centre816 Beeliar Drive, Success9:00am Mon- Sat5:00 pm - Mon, 1:00pm - Sat
BupaJoondalupShop T012, Lakeside Joondalup Shopping Centre420 Joondalup Dr9:00am Mon-Fri, Sat - 9:30 am5 Pm - Mon - Fri , 1:30 Pm - Sat
BupaMorleyShop 104, Galleria Shopping CentreCnr Collier & Walter Roads9:00am Mon- Sat5:00 pm - Mon - Sat
BupaPerth CBDShop 1255 Murray Street Mall9:00am Mon- Fri, 10:00 am Sat5:00 pm - Mon - Fri, 3:00 pm Sat

Bupa broader health programs

  • Online tools and calculators, such as an online health assessment and pregnancy planning tool.
  • Self-management programs for conditions like back pain, osteoarthritis and asthma.
  • Member Support programs help members manage conditions such as heart disease, heart attack recovery and more.
  • Health management extras services. Health Management is a feature on some extras cover policies. It provides you with benefits towards the costs of certain approved health-related programs.

Make lodging claims easier with the Bupa app


Further information about Bupa

More guides on Finder

You might like these...

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

18 Responses

    Default Gravatar
    JahneMay 9, 2017

    I am a teacher of yoga teachers (Director The Australasian Yoga institute Established 1976) and an accredited Senior Teacher with Yoga Australia. I believe my clients are able to claim rebates from your fund by quoting my membership number etc. How can my Institute become an Accredited Institute with you so that my graduated/registered students can provide rebates for their clients through you, as we do at the moment through registering through Yoga Australia?

      Avatarfinder Customer Care
      ZubairMay 10, 2017Staff

      Hi Jahne,

      Thank you for your inquiry.

      You have contacted finder.com.au, a comparison and information service and not actually Bupa Health Insurance. You will need to contact Bupa Health Insurance directly about this matter.


    Default Gravatar
    LorraineMarch 29, 2017

    I am. Carer for my grandchildren I am looking for an affordable extras cover for myself I did not expect to be a single parent at my age

      Avatarfinder Customer Care
      ZubairMarch 30, 2017Staff

      Hi Lorraine,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not Bupa.

      If you would like to compare policies from Australian health funds including Bupa Health Fund, please enter your details into quote comparison tool.


    Default Gravatar
    JohnFebruary 8, 2017

    will BUPA pay for standard of care items for patients who are receiving innovative therapies in a clinical trial environment

      Avatarfinder Customer Care
      RichardFebruary 9, 2017Staff

      Hi John,

      Thanks for getting in touch. You will need to contact Bupa directly about this matter as the exact cover would depend on the treatment and your policy.


    Default Gravatar
    VesnaJanuary 19, 2017

    Does Bupa hospital cover, cover the cost or help with the cost of aged care ie nursing home or in home care for the elderly
    Thank you

      Avatarfinder Customer Care
      RichardJanuary 24, 2017Staff

      Hi Vesna,

      Thanks for getting in touch. Depending on your policy, Bupa may provide limited cover for services such as in-home physiotherapy, respite care and nursing care. Restrictions apply, mostly only for orthopedic. You should contact Bupa directly about the specifics of your policy.

      All the best,

    Default Gravatar
    MaryNovember 21, 2016

    Does BUPA offer extra government rebates for seniors as some health funds do?

      Avatarfinder Customer Care
      RichardNovember 21, 2016Staff

      Hi Mary,

      Thanks for getting in touch. Bupa does not have any additional government rebates. You may find our seniors health insurance article helpful.

      All the best,

    Default Gravatar
    SunflowerMay 23, 2016

    Is the 12 months suspension (for financial hardship) for the lifetime of the membership?

      Avatarfinder Customer Care
      RichardMay 23, 2016Staff

      Hi Sunflower,

      Thanks for your question. I’m afraid Bupa is not currently part of the panel of insurers we have access to. If you would like to find out more about suspending your membership, you can find out more by reading the Bupa fund rules.

      I hope this was helpful,

    Default Gravatar
    nicoleApril 3, 2016

    Hi ,i was inquiring about the extra cost happening this April.Why is the cost so expensive ? and as any changes been made to what you could claim up to April this year. .I am paying for my parents who are on the ultimate cover and they are elderly 87 years old . Is there any changes to be aware off for myself .Iam a single mum and i have two son on my ultimate cover 19 year old and 23 year old ..I there any changes i need to be aware of.Can you also advice me about travel insurance for myself and son who will be travelling with me mid may this year, and returning to Australia about the 6 Th of June.I have ms so i need to be well covered and also my son who is coming also to help me .regards Nicole

      Avatarfinder Customer Care
      RichardApril 4, 2016Staff

      Hi Nicole,

      Thanks for your question.

      Health insurance premiums reflect the rising cost of health care, so there are myriad factors that go into the rising premiums.

      As for the travel insurance. Getting travel insurance with a pre-existing conditions such as multiple sclerosis may be more difficult but not impossible. You may find the following article useful for Travel Insurance for Multiple Sclerosis and get quotes for travel insurance that covers all stages of MS.

      I hope this was helpful,

    Default Gravatar
    JBMarch 28, 2016

    I have product name budget hospital with $500 excess and silver extras.my question is that is massage is covered,and if covered how much I will get ( $50 are the charges for massage) from bupa.


      Avatarfinder Customer Care
      RichardMarch 29, 2016Staff

      Hi JB,

      Thanks for your question. finder.com.au is a comparison service and Bupa is not currently one of the funds in the panel of health insurers that we have access to. If you would like to know more about Bupa services, you should contact them directly.

      All the best,

    Default Gravatar
    TerryMarch 1, 2016

    What providers does bupa have for alcohol and drug rehabilitation centres

      Avatarfinder Customer Care
      RichardMarch 1, 2016Staff

      Hi Terry,

      Thanks for your question. You may fill out a form on this page to be able to speak with an advisor on your search for rehabilitation centres that Bupa offers.

      Also, you can use our handy reference to health insurance for drug and alcohol treatments.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,

Go to site