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
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.
Benefit
Orange 50
Budget Extras 60
Orange 60
Your Choice Extras 60
Top Extras 60
Top Extras 75
Top Extras 90
Reimbursement
50%
60%
60%
60%
60%
75%
90%
General dental
$500
$350
$700
$700
Unlimited
Unlimited
Unlimited
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
$450
$350
$400
$450
Natural Therapies
no
$350 combined
no
$500
$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 ambulance
1 service
1 service
1 service
1 service
1 service
1 service
1 service
Data last confirmed as correct October 9, 2020
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.
Andrew Munro was the global cryptocurrency editor at Finder. During his time he covered all aspects of cryptocurrency and the blockchain. Before he became cryptocurrency editor, he was a content writer for Finder covering various topics over his nearly 5 years in the role. Prior to joining Finder he was a web copywriter. Andrew has a Bachelor of Arts from the University of New South Wales.
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.
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!
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I have a speech impediment.If I go to latrobe communication clinic and do a therapy then will Bupa cover the cost?
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
what are lifestyle befefits
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