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.

Due to major health insurance reforms, this page is currently being updated, and information shown may not be up to date.

We recommend confirming any information you see here with the health fund before signing up. Thanks for your patience!

HBA is joining 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 three levels of hospital cover to suit different cover requirements and budgets.

  • Top Hospital. Provides ultimate peace of mind and covers an extensive range of treatments and services.
  • Standard Hospital. A mid-range policy that offers a higher level of cover but excludes or restricts some high-cost procedures.
  • Budget Hospital. Offers a basic level of cover for those looking for affordable insurance protection for essential medical expenses.

Like Bupa's hospital cover, a wide range of extras policies are available varying from the bare essentials to comprehensive cover. It's also worth noting that many of these extras policies can be combined with Bupa's hospital cover.

  • Platinum Extras. Take out this policy and you can receive 90% back on the cost of treatments at Members First providers.
  • Gold Extras. While the three policies listed above provide cover for 60% of treatment bills at Members First health care providers, a Gold Extras policy entitles you to receive cover for 75% of the bill.
  • Silver Extras. This mid-level extras policy includes cover for dietary, psychology, home nursing, health aids and more.
  • Your Choice Extras. This policy allows you to add optional covers such as podiatry and speech therapy to tailor cover to suit your needs.
  • Bronze Extras. This entry-level policy covers treatments such as general dental, optical, physio and emergency ambulance.

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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