How can I make a claim with Bupa?

If you need to make a claim on your Bupa home insurance policy, you can phone the insurer's national claims service 24/7. A dedicated claims specialist will be able to offer immediate advice and assistance as well as guide you through the claims process. You can contact them on +61 2 7201 5060 or 13 24 80 for policies issued before July 1, 2022 or visit their website to know more details about lodging a claim. You can also follow a few simple steps to ensure that the claims process runs as smoothly as possible: Gather the contact details of anyone else in the incident. Forward any letters, notices or court documents about the incident to the insurer within 72 hours of receiving them. Report any theft, vandalism or malicious act to the police immediately and obtain an incident report number. Contact the insurer as soon as possible after the incident to make your claim. Provide any information needed to assess your claim, such as proof of ownership or repair quotes.

Who is eligible for Bupa home insurance?

Here's the key eligibility criteria for a Bupa home insurance policy: The type of home you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. Registered body corporate buildings and houseboats are not eligible. How you use the home you own. It must be your primary residence or holiday home. It's not suitable if your home is a business, such as a hotel or bed & breakfast. The condition of your home. The home needs to meet acceptable dwelling criteria: it must be secure, watertight, structurally sound and well maintained. It's not suitable for homes under initial construction or renovations that cost more than specified in the PDS.

Bupa home insurance review: Is it right for your home?

4 (75 reviews) Write a review

Bupa health members can save up to 15% on their Bupa home insurance policy.
Bupa home insurance is issued by Hollard and provides Ultimate Comprehensive or Basic cover options.
Understand policy exclusions like earth movement or structural defects before making a claim.

Our Verdict

It's good if you're a Bupa health member. You get between 10% and 15% off.
Unlike many home insurers, Bupa also lets you choose the level of cover you want: Ultimate, Comprehensive and Basic.

If you're not a Bupa health member, there are fewer reasons for you to take out cover. Its policies are issued by Hollard Insurance Company Pty Ltd, a popular underwriter in Australia.

What does Bupa home insurance cover?

Bupa offers the standard policy types: a combined home and contents insurance, contents insurance, and building insurance. After choosing your policy type, you can choose the level of cover you want – Ultimate, Comprehensive and Basic. On top of that, if you're a Bupa health member, you can save up to 15% on your policy.

Some main events covered by Bupa home insurance include:

fire icon

Fires

lock icon

Theft

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Escape of liquid

thunderstorm icon

Storms

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Malicious damage

Bupa home insurance is backed by Hollard Insurance Company Pty Ltd. It comes with a 14-day cooling off period. This allows you to cancel your policy and receive a refund so long as you haven't made any claims.

Here's the rundown of a Bupa home insurance policy

Standard features
Exclusions

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Standard features

These are some of the standard features that you can claim on with the Bupa Ultimate home insurance policy if an insured event causes damage or loss. Keep in mind that this is its top policy. Not all benefits are included in the Comprehensive or Basic covers.

Key and lock replacement
Accidental damage
Burning out of an electric motor
Alternative accommodation
Modifications to your buildings
Contents in transit

Debris removal and demolishing
Document damage
Funeral expenses
Legal Liability
Guests' or visitors' belongings

Exclusions

Your Bupa home insurance claim will not be paid if a claim is made due to:

Settling, shrinkage or earth movement
Damages caused by erosion, rust, depreciation or wear and tear
Damages caused by rats, mice or insects
Damages caused by structural defects or faulty workmanship or design
Malicious damage, vandalism, theft or a deliberate or intentional act by a tenant (except if you have Landlords Insurance)
Mechanical or electrical breakdown (except electric motor burnout)
Water entering your building through an opening made for building, renovation or repair work

Damages caused by roots from trees or plants
Liability arising due to an injury to any member of your family or anyone who normally lives with you
Liability arising from any alterations, renovations or additions to your buildings that cost more than $50,000
Lawful destruction or confiscation of your property
Damages caused by mildew, atmospheric or climatic conditions
Deliberate or intentional act by you, or anyone acting for you
Damages caused by storm surge

Make sure you read Bupa's PDS for a full list of exclusions. Our general exclusions page also outlines more information about what home insurance doesn't usually cover.

Frequently asked questions

If you need to make a claim on your Bupa home insurance policy, you can phone the insurer's national claims service 24/7. A dedicated claims specialist will be able to offer immediate advice and assistance as well as guide you through the claims process. You can contact them on +61 2 7201 5060 or 13 24 80 for policies issued before July 1, 2022 or visit their website to know more details about lodging a claim.
You can also follow a few simple steps to ensure that the claims process runs as smoothly as possible:
- Gather the contact details of anyone else in the incident.
- Forward any letters, notices or court documents about the incident to the insurer within 72 hours of receiving them.
- Report any theft, vandalism or malicious act to the police immediately and obtain an incident report number.
- Contact the insurer as soon as possible after the incident to make your claim.
- Provide any information needed to assess your claim, such as proof of ownership or repair quotes.
Here's the key eligibility criteria for a Bupa home insurance policy:
- The type of home you own. It must be a free standing house, townhouse, villa or duplex, semi-detached house or terrace. Registered body corporate buildings and houseboats are not eligible.
- How you use the home you own. It must be your primary residence or holiday home. It's not suitable if your home is a business, such as a hotel or bed & breakfast.
- The condition of your home. The home needs to meet acceptable dwelling criteria: it must be secure, watertight, structurally sound and well maintained. It's not suitable for homes under initial construction or renovations that cost more than specified in the PDS.

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Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 524 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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2 Responses

KerryOctober 27, 2025

How can I renew my Bupa house policy that I have cancelled?

Finder

SarahOctober 28, 2025Finder

Hi Kerry,

Usually they’ll require you to set up a new insurance policy, but your best bet is to call Bupa customer service and see what your options are. Best of luck!

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Bupa home insurance review

Bupa Health Members may want to consider taking out a Bupa Home Insurance policy – you can get up to 15% off.