Compare Bupa Health Cover – Health Insurance Australia
At No Worries, we’re here to help you find a great deal on health insurance. We know health insurance can be confusing – our mission is to help you compare policies and find the right health fund for you.
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No Worries has been helping Aussies save on their health insurance for more than 10 years. We’ll support you to make an informed decision when choosing a private health insurance policy that suits your needs, whether you need hospital cover, extras cover or combined hospital and extras.
We understand that comparing health insurance and organising to join or switch health insurance providers can be time-consuming. That’s why we offer to take care of all the paperwork for you when you sign up with a new health fund or take out a new health insurance policy. Best of all, we’ll waive any waiting periods you’ve already served with an existing Australian health fund if you switch from an equivalent or lower level of cover.
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Read on for more information about Bupa health cover, or call 1800 318 223 to speak to one of our consultants about getting health cover that’s right for you.
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Who is Bupa?
Bupa is one of Australia’s largest health funds and is trusted by more than 4 million members. They offer private health insurance, aged care, and health services to support Australians to live longer, healthier, happier lives.
Why do millions of Australians entrust their health to Bupa?
- They have more than 70 years of experience insuring Aussies.
- Extras cover members have access to Bupa’s Members First network of providers and enjoy at least 60% (and up to 100%) back on specified health services at thousands of dentists, chiropractors, physiotherapists and podiatrists across Australia.
- Members enjoy discounts and offers from more than 40 partners across health and wellbeing, nutrition, entertainment, travel and more.
- The Bupa Health Foundation has invested more than $35 million in health partnerships over the last decade.
- The myBupa app lets you manage your health cover 24/7 online using your smartphone.
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Bupa hospital cover options
In a medical emergency, the last thing you want to be thinking about is the cost of hospitalisation. With hospital cover, you’ll have peace of mind that you can get the treatment you need at private and public hospitals Australia-wide. Private hospital cover also helps to pay hospital-related costs such as specialist fees and the cost of staying in hospital.
Bupa offers six hospital plans, from the entry-level Basic Accident Only Hospital cover to top-level Gold Complete Hospital cover, which includes assisted reproductive services, pregnancy, and birth.
All Bupa hospital policies offer ambulance cover, which is capped for basic policies and unlimited if you hold a top-level insurance policy.
- Bupa Basic Accident Only Hospital: Basic hospital cover that protects you against the unexpected. It’s the cheapest way for members to avoid paying the Medicare levy surcharge and includes:
- Lung and chest conditions
- Restricted rehabilitation, psychiatric and palliative care services
- Capped emergency ambulance
- Basic Plus Starter Hospital: Affordable hospital cover for the budget-conscious that’s great value for young people. It includes a feature called Accident Inclusion, which means if you have an accident, you’ll be covered in a private hospital for treatments that are restricted or excluded from your cover. Basic Plus Starter Hospital includes:
- Joint reconstructions
- Tonsils, adenoids and grommets
- Dental surgery
- Capped emergency ambulance
- Bronze Plus Simple Hospital: Covers you for a range of common treatments, including inpatient hospital and medical cover in private and public hospitals for a range of services including:
- Brain and nervous system
- Blood
- Male reproductive system
- Ear, nose and throat
- Silver Plus Essential Hospital: Affordable medium-level cover for a wide range of hospital treatments. It covers treatment for heart and vascular system and chemotherapy, radiotherapy and immunotherapy for cancer. Silver Plus Essential Hospital cover includes:
- Rehabilitation
- Palliative care
- Implantation of hearing devices
- Medically necessary plastic and reconstructive surgery
- Silver Plus Advanced Hospital: Broad-ranging health cover that doesn’t include pregnancy and birth or weight loss surgery. Silver Plus Advanced cover offers Accident Inclusion (you’ll be covered in a private hospital for treatments that are restricted or excluded from your cover if you have an accident), no excess for kids, uncapped emergency ambulance and more:
- Cataracts
- Joint replacements
- Back, neck and spine
- Insulin pumps
- Gold Complete Hospital: Premium hospital cover that helps pay for inpatient hospital and medical expenses in private and public hospitals across Australia for all clinical categories, giving you total peace of mind. Gold Complete Hospital cover includes:
- Unlimited emergency ambulance
- Pregnancy and birth
- Weight loss surgery
- Assisted reproductive services
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Does Bupa hospital cover include ambulance cover?
Yes. All Bupa hospital insurance policies and most Extras covers include emergency ambulance services. Coverage is usually capped at one (for singles) or two (for couples/families) trips each year.
Bupa extras cover
Extras cover is a great way to lower your out of pocket costs while you’re being treated for a range of common health complaints. Bupa lets you choose from basic extras cover (dental, physiotherapy, chiropractic, osteopathy, and emergency ambulance) through to extensive plans that offer up to 80% off the cost of most extras services.
Bupa’s new FLEXtras policy offers totally flexible extras cover that lets you tailor your extras cover to include just the services you’ll use, choose your annual claims limit and receive either 50% or 60% back on your claims.
- Freedom 50 Extras: Provides up to 50% back on included extra services (general dental, physiotherapy, chiropractic and osteopathy, and emergency ambulance) from recognised Bupa providers. A flexi-limit lets you choose how to use your yearly claims limit across these services.
- Starter Extras: Provides entry-level extras cover for general dental, optical, physiotherapy, chiropractic and osteopathy, remedial massage, and emergency ambulance. You’ll get up to 60% back at Bupa Members First providers.
- Freedom 60 Extras: Provides up to 60% back on general dental, optical, physiotherapy, chiropractic and osteopathy, remedial massage, and emergency ambulance when you choose a Bupa recognised provider.
- Value Extras: Covers the same essentials as Freedom 60, but with access to major dental and online mental health services. You’ll receive up to 60% back at Members First Providers.
- FLEXtras: Puts you in control with the ability to choose your services, your limits and how much you want to get back at any recognised provider. You’ll also receive capped emergency ambulance cover.
- Lifestyle Extras: You’ll receive up to 60% back at Members First Providers across an expanded range of services. Lifestyle Extras includes major dental, podiatry, and home nursing.
- Super Extras: Provides up to 60% back at Members First Providers for an expanded range of extras. This policy includes mental health, acupuncture and Chinese herbalism and occupational therapy services.
- Super Extras Active: Designed for active families, singles and couples, this cover includes access to exercise physiology, orthodontic and speech and occupational therapy services. Members receive up to 60% back at Members First Providers.
- Top Extras: Provides a high level of cover on a wide range of services with high annual limits. You’ll receive up to 70% back when you visit a Members First Provider.
- Top Extras Boost: Extensive extras cover that provides up to 80% back for a wide range of services when you choose a Members First Provider.
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Do I really need private health insurance?
Private health insurance lets you be treated in hospital as a private patient and can help pay for healthcare costs services Medicare doesn’t cover. Private health insurance might also help you access some hospital services more quickly than public patients.
The decision to take out private health insurance is a personal one; however, some of the key benefits to holding a private health insurance policy are:
- Your policy may pay some or all of the costs of treatment in public or private hospitals as a private patient with the doctor of your choice.
- Your private health fund might cover some or all of the costs of services that aren’t covered by Medicare, such as dental, optical and physiotherapy.
- You may not have to pay the Medicare levy surcharge.
- You may receive a private health insurance rebate from the Australian Government.
- You can avoid paying more for private hospital cover when you’re older.
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Why choose Bupa private health insurance?
Bupa has more than 70 years of experience insuring Australians and is committed to giving members the support and cover they need. Bupa health fund members enjoy low out of pocket costs and can claim on treatment received from any Bupa-recognised hospital Australia wide.
Bupa focuses on preventative health by collaborating with communities and health experts to deliver meaningful programs and outcomes. Some of the ways Bupa helps their members to live longer include:
- Bupa Health Foundation
- Bupa Members First
- Bupa Health Link
Bupa Australia and New Zealand is part of the Bupa Group, an international health insurance and healthcare group with more than 30 million customers worldwide. Bupa serves 18.5 million health insurance customers and operates 20 hospitals, 370 health clinics and 1,000 dental centres globally.
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How do I switch to Bupa?
It’s easy to switch your health insurance to Bupa at any time. You’ll need to be an Australian resident with a Medicare card, and over 17 years of age.
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What is the Bupa Members First network?
Bupa members with Extras cover have access to Bupa’s Members First network of providers, which includes thousands of dentists, chiropractors, physiotherapists and podiatrists across Australia.
Bupa Extras cover offers members additional value and certainty when visiting a Members First provider. The program helps members lower their out-of-pocket costs via higher set benefits, exclusive discounts, and at least 60% (and up to 100%) back on specified health services. Conditions including annual limits and waiting periods may apply.
What is the Bupa Health Foundation?
The Bupa Health Foundation is one of Australia’s leading charitable foundations dedicated to health and has invested more than $35 million in partnerships over the last decade.
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