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Bupa health insurance review

Our verdict: Bupa health insurance is one of Australia’s most popular funds, in part due to its great value policies and good customer service.

4.1 ★★★★★ (454 reviews) Write a review

Pros

  • Basic Plus Starter is the cheapest plan on Finder to cover joint reconstruction, lung and chest; and miscarriage and termination of pregnancy.
  • It's popular. Bupa is the second-largest health insurer by market share, just behind Medibank.
  • Flexibility – with Bupa FLEXtras, you can pick the extras you'll actually use.
  • Bupa had proportionally fewer complaints than other funds including HCF and nib*.

Cons

  • Bupa is for-profit, which might matter to some people who want to look for a not-for-profit health fund.
  • Gold Comprehensive may not be the best value option for top tier cover. While it's very comprehensive and costs around $256.18 a month, Bupa's Silver Plus Advanced covers most Gold tier treatments from around $171.44 a month.

Congratulations, Bupa!

Bupa received the following highly commended awards in the 2024 Product Awards:

  • 'Health Insurance - Basic Hospital'
  • 'Health Insurance - Medium Extras'
Full list of 2024 winners

Bupa health insurance: Our verdict

Bupa health insurance is Australia's second-biggest health fund, has over 4 million members and provides good value Basic, Bronze and Silver policies.

Bupa is good if:

  • You want good value for your money, particularly its Basic, Bronze and Silver Plus policies.
  • You want an insurer with good customer service – Bupa receives a lower percentage of complaints than its overall market share. This is not the case for many other funds.
  • You appreciate some flexibility with your insurance. Bupa FLEXtras lets you choose either 4 or 6 extras that will suit your needs, and you can opt for a standard or higher annual claims limit.

Bupa is not great if:

  • You want a not-for-profit health fund.
  • You want the cheapest Gold policy on the market.

Review by our insurance and innovations editor Gary Ross Hunter

Sign-up deals with Bupa health insurance for 2024

Name Product

Join Bupa and get up to 12 weeks free on eligible products

Plus, 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.

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What types of health insurance does Bupa offer?

Name Product Treatments Price Apply Hide Compare
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$77.92
per month
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +8 other treatments covered
$84.51
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +16 other treatments covered
$91.83
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$113.69
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +26 other treatments covered
$171.44
per month
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Name Product Treatments Price Apply Hide Compare
Freedom 50
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$15.08
per month
Starter Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$24.28
per month
Core Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +2 other treatments covered
$38.75
per month
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  • With 1 click, you can open your results to nearly every fund in Australia.

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Bupa health insurance complaints

We looked at the 2022 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 24.7%, only 23.6% 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. Medibank and HBF scored 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 eighth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.

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Bupa frequently asked questions

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