Bupa Health Insurance

Compare Bupa Health Insurance and find the right cover for you.

Bupa Health Insurance

Bupa Australia is part of Bupa Group, which provides services to over 32 million members in 190 countries. They also offer pet insurance, travel insurance, life insurance, car insurance and home insurance.

Keep reading to find out more about the health insurance benefits and policies available from Bupa.

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What Bupa Health Insurance options are available?

Hospital

  • Lite Hospital. This is technically a Bronze Plus policy, although Bupa hasn't started using the new terminology yet. It 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.
  • Mid Hospital. This adds on to what you'd get with Lite by including full instead of restricted cover for rehab and palliative care, plus full cover for joint replacements (except hip and knee) and heart surgery.
  • Top Hospital no Pregnancy. This includes most government-approved treatments you'd receive in a hospital except for pregnancy, assisted reproductive services and weight loss surgery.
  • Top Hospital with Pregnancy. This includes most government-approved treatments you'd receive in a hospital including pregnancy, assisted reproductive services and weight loss surgery.

Extras

  • 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.
  • 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.

Packages

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 four unique packages that combine hospital and extras cover that you can't buy individually. These are:

  • Active Saver. This package is for someone who wants the bare minimum of both hospital and extras cover. Both types of cover in this policy offer less than what you'd get with Lite Hospital and Budget Extras 60, Bupa's base level standalone policies. The hospital portion covers a handful of very basic treatments like appendicitis, tonsil removal, minor knee surgery, dental surgery plus restricted cover for psychiatry, rehab and palliative care. Extras is very similar to Budget Extras 60, but with lower benefit limits.
  • Young Singles Saver. With this package, the hospital portion covers basic treatments like appendicitis, minor gynecological surgery and removal of tonsils. It is similar to the Lite Hospital policy but without cover for medically necessary reconstructive surgery. Your extras cover offers slightly more than the Budget 60 policy. You still get 60% back on most treatments, but the difference is you get higher limits and you're covered for major dental, orthodontics, podiatry and travel vaccines.
  • Young Singles Choice. The hospital portion of this cover is almost identical to the Mid Hospital policy except that it gives full instead of restricted cover for in-hospital rehab. 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.
  • Ultimate Health Cover. The hospital portion of this is similar to Top Hospital with Pregnancy, but it also includes access to Bupa's Ultimate Advice Line and a single room guarantee. The extras component is similar to the Top Extras 90 policy but with higher benefit limits.


  • 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-Fri, Sat - 10:00 am5 Pm - Mon - Friday,2 Pm - Sat
CentreNameAddress 1Address 2OpenClose
BupaAlburyShop 3, 481 Dean Street9:00am Mon-Fri5 Pm - Mon - Friday
BupaBankstownShop T250 Bankstown Centro9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday,2 Pm - Sat
BupaBarangaroo, SydneyT3.04 300 Barangaroo Av9:00am Mon-Fri5 Pm - Mon - Friday
BupaBlacktownShop 3006, Patrick Street levelWestpoint Marketown, 17 Patrick St9:00am Mon- Sat5:00 pm - Mon - Sat
BupaBondi JunctionShop 5, 2 Grosvenor Street9:00am Mon- Sat5:00 pm - Mon - Sat
BupaBurwoodShop 346, 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 - 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-Sat5 Pm - Mon - Friday,1 Pm - Sat
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 126, Westfield Penrith585 High St9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday, Sat - 2:00 Pm
BupaSydney - King Street104 King Street9:00am Mon-Fri5 Pm - Mon - Friday
BupaTamworthShop T5Tamworth City Plaza, 436 Peel St9:00am Mon-Fri5 Pm - Mon - Friday
BupaTweed HeadsShop 114, Tweed City Shopping Centre54 Minjungbal Drive9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
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, 5:00 Pm Sat
CentreNameAddress 1Address 2OpenClose
BupaCasuarinaShop GD 011 Casuarina Square247 Trower Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaPalmerstonShop T60 Gateway Shopping CentreRoystonia Avenue9:00am Mon-Sat5 Pm - Mon - Friday,2 Pm - Sat
CentreNameAddress 1Address 2OpenClose
BupaBrisbane91 Adelaide St (Cnr Albert St)9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - 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 Carindale, 1151 Creek Road1151 Creek Rd9:00am Mon-Sat5 Pm - Mon - Sat
BupaChermsideShop 219Westfield Chermside, Cnr Gympie & Hamilton Rds9:00am Mon- Sat5:00 pm - Mon - Sat
BupaCoomeraShop 1046Westfield Coomera Shopping Centre, Foxwell Road Coomera9:00am Mon- Sat5:00 pm - Mon - Sat
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
BupaMaroochydoreShop L01 301, Sunshine PlazaHorton Pde9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday,2 Pm - Sat
BupaNorth LakesShop 1016, Westfield North LakesCnr Anzac Ave & North Lakes Dr9:00am Mon- Sat5:00 pm - Mon - Sat
BupaRockhamptonShop E08, Stockland, RockhamptonYamba Road and Bruce Highway9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Friday,1 Pm - Sat
BupaSpringfield CentralShop 83, Orion Springfield Central1 Main St9:00am Mon- Sat5 Pm - Mon - Friday,3m Pm - Sat
BupaSunnybankShop 114 Sunnybank Plaza358 Mains Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaToowoombaShop 64AGrand Central Shopping Centre, Margaret St9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
BupaTownsvilleShop T72, CastleTown ShoppingworldCnr Kings Road and Woolcock Street9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
CentreNameAddress 1Address 2OpenClose
BupaAdelaideShop 24, Regent ArcadeRundle Mall9:00am Mon-Fri, Sat - 10:00 am5 Pm - Mon - Thu ,7 Pm - Fri, 5 Pm - Sat
BupaBurnsideShop 7&8 Burnside Village447 Portrush Road9:00am Mon- Sat5:00 pm - Mon - Sat
BupaElizabethS135, Elizabeth Shopping Centre50 Elizabeth Way9:00am Mon- Sat5 Pm - Mon - Friday,1 Pm - Sat
BupaMarionShop 2011, Level 2, Westfield Shopping CentreCnr Diagonal & Sturt Roads9:00am 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 GambierTenancy FC001 Mount Gambier Central Shopping Central21 Helen St9:00am Mon-Sat5 Pm - Mon - Friday,1 Pm - Sat
BupaWest LakesShop 221, Westfield West Lakes111 West Lakes Boulevard9:00am Mon- Sat5:00 pm - Mon - 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
BupaEastlandsShop G34Eastlands Shopping Centre, Bligh Street9:00am Mon- Sat5:00 pm - Mon - Sat
CentreNameAddress 1Address 2OpenClose
BupaBallaratShop 077, Stockland WendoureeCnr Norman and Gillies Streets9:00am Mon- Sat5:00 pm - Mon - Sat
BupaBendigoShop G.23Bendigo Marketplace Shopping Centre9:00am Mon- Sat5:00 pm - Mon - 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 Rd (Cnr Williamsons Rd)9:00am 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 - 4:00 pm
BupaGlen WaverleyShop 1.32Centro The Glen, 235 Springvale Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaHighpointShop 2092, Level 2 Highpoint Shopping Centre200 Rosamond Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaMelbourne247 Collins Street9:00am Mon- Fri, Sat - 10:005:00 pm - Mon - Fri, Sat - 2:00 pm
BupaNorthlandShop J003, Northland Shopping Centre2-50 Murray Rd9:00am Mon- Sat5:00 pm - Mon - Sat
BupaRingwoodShop 1158 Eastland Shopping Centre 175 Maroondah Hwy9:00am Mon- Sat5:00 pm - Mon - Sat
BupaSunshineShop 41, Sunshine Marketplace80 Harvester Road, Sunshine9:00am Mon- Sat5:00 pm - Mon - Sat
BupaSouthlandShop 3022, Westfield Southland1239 Nepean Hwy9:00am Mon- Sat5:00 pm - Mon - Sat
BupaChinatown MelbourneCorner of Little Bourke and Swanston Streets226-228 Swanston Street10:00am Mon- Sat6:00 pm - Mon - Fri, Sat - 4:00 pm
BupaWerribee PlazaShop 111, Pacific WerribeeCorner Derrimut & Heaths Rd9:00am Mon- Sat5:00 pm - Mon - Sat
CentreNameAddress 1Address 2OpenClose
BupaBooragoonShop 80, Garden City Shopping CentreRiseley St9:00am Mon-Fri, Sat - 10 am5 Pm - Mon - Fri, 2 Pm - Sat
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 - Sat
BupaJoondalupShop T012, Lakeside Joondalup Shopping Centre420 Joondalup Dr9:00am Mon-Fri, Sat - 10:00 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 1, 255Murray Street Mall (Opposite Perth Underground Station), Perth9:00am Mon- Sat5:00 pm - Mon - 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.

Make lodging claims easier with the Bupa app

Fund Android iOS
Bupa
Google-play
Apple-app-store

Further information about Bupa

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18 Responses

  1. 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.

      Cheers,
      Zubair

  2. 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.

      Cheers,
      Zubair

  3. 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.

      Cheers,
      Richard

  4. 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,
      Richard

  5. 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,
      Richard

  6. 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. finder.com.au is a comparison service and 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,
      Richard

  7. 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. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Health insurance premiums reflect the rising cost of health care, so there are myriad factors that go into the rising premiums. You may find the following articles useful:
      Why do premiums increase?
      Health insurance premiums for 2016
      As for the travel insurance. Getting travel insurance with a pre-existing conditions such as MS may be more difficult but not impossible. You may find the following article useful:
      Travel insurance for MS

      I hope this was helpful,
      Richard

  8. 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.

    JB

    • 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,
      Richard

  9. 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. finder.com.au is a comparison service and not an insurer. If you would like to speak with Bupa about its offerings, you can do so by calling 134 135. You may also find the Bupa provider finder useful.

      I hope this was helpful,
      Richard

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