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HBA Health Insurance

HBA health insurance merged with Bupa in 2011. Find out more about Bupa and the cover offered to previous HBA members.


Private health insurance allows Australians to choose the type of healthcare they prefer without having to pay the full cost of expensive medical bills. HBA is a private health insurer that has helped Australians look after their healthcare needs for over 60 years. HBA has joined global healthcare organisation Bupa.

HBA became a part of Bupa in 2011. If you are interested in finding out more Bupa health insurance policies, please head to the Bupa provider page.

HBA has joined Bupa

Bupa is a global healthcare organisation that provides health cover services to more than 33 million people across 190 countries. Bupa re-invests its profits in areas it believes will benefit its members, and can draw on substantial local and international experience to offer health insurance cover options that meet the needs of a wide range of Australians.

So what does this merger mean for HBA members?

Existing HBA members can expect the same benefits and services they have always received, but can also take advantage of several new benefits for no additional cost. These include:

  • Choice. Access to more than 100 Bupa retail locations around Australia.
  • Convenience. The ability to have benefits paid at more than 60,000 locations around Australia.
  • Experience. Members have access to Bupa’s extensive network of health care providers.
  • myBupa. myBupa is an online portal that allows you to easily manage your health insurance.
  • Extras. Exclusive member discounts on a range of services and activities
Do I need to do anything?
HBA members can rest assured that their health insurance cover remains exactly the same – there is nothing you need to do and no additional fees to pay. You should have already received a Bupa membership card and any claim forms previously available through the HBA website can now be found on the Bupa website.

Anything else I need to know about?

  • You can contact Bupa on 134 135. Feel free to phone this number if you have any questions about your cover.
  • All HBA locations and offices have been rebranded to Bupa.
  • All HBA information, tools and member access areas are now available through the Bupa website.
  • Bupa offers all the same insurance cover options as HBA did, including a wide variety of health insurance covers as well as travel and life insurance.

Who is Bupa?

Bupa is a leading provider of health insurance and health care services in Australia and around the world. Here's a few quick facts about the company:

  • It is part of the Bupa Group, which has a global membership base of more than 33 million people spread across 190 countries.
  • In Australia, Bupa has a very healthy 27% share of the private health insurance markets, and it boasts more than 4.5 million members in Australia and New Zealand.
  • Bupa offers an extensive range of health insurance policies to suit different cover needs and budgets. These include hospital, extras and ambulance cover; cover to suit singles, couples and families; and policies for students and overseas visitors.
  • Bupa is also building a large network of health service providers throughout Australia to offer more benefits to its members. These include more than 120 Members First Dental clinics, Bupa Optical stores and GP clinics, as well as over 65 Bupa Aged Care Homes.

What types of cover does Bupa offer?

Bupa’s range of private health insurance can be split into three main categories: hospital cover, extras cover, ambulance cover. These three policy types are outlined in more detail below.

Bupa offers four levels of hospital cover to suit different cover requirements and budgets.

  • Lite Hospital. This offers restricted cover for psychiatry, rehab and palliative care plus full cover for a handful of important treatments like cancer treatments, dental surgery, appendicitis, and minor gynaecological surgery.
  • Mid Hospital. A step up from Lite with added cover for joint replacements (except hip and knee) and heart surgery.
  • Top Hospital no Pregnancy. This covers all government-approved treatments you'd receive in a hospital except for pregnancy, assisted reproductive services and weight loss surgery.
  • Top Hospital with Pregnancy. This covers all government-approved treatments you'd receive in a hospital including pregnancy, assisted reproductive services and weight loss surgery.

Bupa offers five extras policies you can purchase on their own, or together with one of their hospital policies.

  • Budget Extras 60. Offers 60% back on most covered treatments, which includes general dental, optical, a range of therapies (like physio and chiro), antenatal and postnatal treatments, exercise physiology and pharmacy. It also includes emergency ambulance cover.
  • Your Choice Extras 60. Offers 60% back on most covered treatments, which includes treatments not covered by Budget Extras 60 like major dental, orthodontics, podiatry and more. However, your major dental and orthodontics benefits don't kick in until after your first full year of cover.
  • Top Extras 60. Offers 60% back on most covered treatments, which include even more treatments than the previous two policies. These include psychology, dietary counseling, health aids and home nursing.
  • Top Extras 75. Covers all the same treatments as Top Extras 60, but with a higher reimbursement rate of 75% and higher benefit limits on many treatments.
  • Top Extras 90. Covers all the same treatments as Top Extras 60 and 75, but with a higher reimbursement rate of 90% and higher benefit limits on many treatments.

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

  • Active Saver. Offers the bare minimum of both hospital and extras cover, which is less than what you'd get if you combined Bupa's most basic standalone hospital and extras policies.
  • Young Singles Saver. Very similar to the Lite Hospital policy plus the Budget 60 Extras policy. The biggest differences are that you get higher benefit limits on your extras and you're covered for major dental, orthodontics, podiatry and travel vaccines.
  • Young Singles Choice. Very similar to the Mid Hospital policy plus the Your Choice Extras 60 policy. The biggest differences are that you get higher benefit limits on your extras and you get to claim on major dental and orthodontics during your first year of cover. Orthodontics cover is for accidents only, meaning you can't claim for purely cosmetic reasons.
  • Ultimate Health Cover. The hospital portion of this top-level policy gives you access to Bupa's Ultimate Advice Line and a single room guarantee, features that you don't get with Bupa's highest level of standalone hospital cover. The extras component is similar to Top Extras 90 but with higher benefit limits.

Bupa offers two types of ambulance cover.

  • Emergency Only Ambulance Cover. This option provides cover for ambulance treatment and transport in emergency situations only, for example sudden collapse or severe chest pains.
  • Premium Ambulance Cover. Bupa Premium Ambulance Cover provides cover for on-the-spot ambulance treatment anywhere in Australia, as well as $5,000 cover for non-emergency road and air ambulance transport.

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