Bupa health insurance

Is it a good health insurer?

Bupa has 12 hospital and 24 extras policies in our comparison, from $88.40 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).

Issued by Bupa HI Pty Ltd. Hospital, extras or both.

Explore 12 hospital and 24 extras products, or find cover by treatment. Sources for Bupa

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 26 October 2026 · Prices effective 17 September 2026

I need cover for…

Compare cover across all Australian health funds.

Bupa cover: the main choices.

For rehabilitation

Silver Plus Classic Hospital does not fully cover rehabilitation. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

If you claim physiotherapy every year

Top Extras 60 has a $700 physiotherapy limit. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

Compare the cover, not just the premium

Compare Silver Plus Classic Hospital with Medibank and HBF before choosing on price. Their cover differs for rehabilitation.

Compare selected alternatives

Bupa policies and example prices.

The profile you choose updates the Bupa price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $500 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Bupa price for your circumstances? Compare Bupa with cover across all Australian health funds.

Compare my options

Hospital cover

12 product lines

Bupa hospital policies: monthly example premiums after rebate for Single · NSW · $500 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic	Basic Accident Only HospitalBasic Accident Only Hospital	$88.40/month	Policy details: Basic Accident Only Hospital
Basic Plus	Basic Plus Starter HospitalBasic Plus Starter Hospital	$95.57/month	Policy details: Basic Plus Starter Hospital
Bronze	Bronze HospitalBronze Hospital	$105.59/month	Policy details: Bronze Hospital
Bronze Plus	Bronze Plus Simple HospitalBronze Plus Simple Hospital	$112.23/month	Policy details: Bronze Plus Simple Hospital
Bronze Plus	Bronze Plus Select HospitalBronze Plus Select Hospital	$115.64/month	Policy details: Bronze Plus Select Hospital
Bronze Plus	Bronze Plus Advantage HospitalBronze Plus Advantage Hospital	$129.72/month	Policy details: Bronze Plus Advantage Hospital
Silver Plus	Silver Plus Classic HospitalSilver Plus Classic Hospital	$134.50/month	Policy details: Silver Plus Classic Hospital
Silver Plus	Silver Plus Essential HospitalSilver Plus Essential Hospital	$141.22/month	Policy details: Silver Plus Essential Hospital
Silver Plus	Silver Plus Advanced HospitalSilver Plus Advanced Hospital	$199.61/month	Policy details: Silver Plus Advanced Hospital
Silver Plus	Silver Plus Assured HospitalSilver Plus Assured Hospital	$212.36/month	Policy details: Silver Plus Assured Hospital
Silver Plus	Silver Plus Assured Hospital Nil ExcessSilver Plus Assured Hospital Nil Excess	$249.27/monthwith no excess	Policy details: Silver Plus Assured Hospital Nil Excess
Gold	Gold Comprehensive HospitalGold Comprehensive Hospital	$332.14/month	Policy details: Gold Comprehensive Hospital

$119.78 more per month for Gold Comprehensive Hospital versus Silver Plus Assured Hospital after rebate for the selected example profile.

Assisted reproductive services is an additional inclusion, not the complete list of differences.

Extras cover

24 product lines

Bupa extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Extras SaverExtras Saver	$12.14/month	Policy details: Extras Saver
Freedom 50Freedom 50	$16.01/month	Policy details: Freedom 50
Budget Extras 60Budget Extras 60	$23.11/month	Policy details: Budget Extras 60
Starter ExtrasStarter Extras	$27.28/month	Policy details: Starter Extras
Freedom 60Freedom 60	$38.51/month	Policy details: Freedom 60
FLEXtras 4 Standard 50FLEXtras 4 Standard 50	$42.91/month	Policy details: FLEXtras 4 Standard 50
Core ExtrasCore Extras	$43.33/month	Policy details: Core Extras
Your Choice Extras 60Your Choice Extras 60	$46.55/month	Policy details: Your Choice Extras 60
FLEXtras 6 Standard 50FLEXtras 6 Standard 50	$46.97/month	Policy details: FLEXtras 6 Standard 50
FLEXtras 4 Standard 60FLEXtras 4 Standard 60	$48.15/month	Policy details: FLEXtras 4 Standard 60
Freedom 60 BoostFreedom 60 Boost	$49.10/month	Policy details: Freedom 60 Boost
FLEXtras 6 Standard 60FLEXtras 6 Standard 60	$54.22/month	Policy details: FLEXtras 6 Standard 60
FLEXtras 4 Higher 50FLEXtras 4 Higher 50	$56.11/month	Policy details: FLEXtras 4 Higher 50
Wellness ExtrasWellness Extras	$58.92/month	Policy details: Wellness Extras
FLEXtras 6 Higher 50FLEXtras 6 Higher 50	$62.75/month	Policy details: FLEXtras 6 Higher 50
FLEXtras 4 Higher 60FLEXtras 4 Higher 60	$62.98/month	Policy details: FLEXtras 4 Higher 60
Super ExtrasSuper Extras	$73.61/month	Policy details: Super Extras
FLEXtras 6 Higher 60FLEXtras 6 Higher 60	$76.03/month	Policy details: FLEXtras 6 Higher 60
Super Extras ActiveSuper Extras Active	$79.98/month	Policy details: Super Extras Active
Top Extras 60Top Extras 60	$81.00/month	Policy details: Top Extras 60
Top ExtrasTop Extras	$108.70/month	Policy details: Top Extras
Top Extras 75Top Extras 75	$119.82/month	Policy details: Top Extras 75
Top Extras BoostTop Extras Boost	$145.66/month	Policy details: Top Extras Boost
Top Extras 90Top Extras 90	$164.74/month	Policy details: Top Extras 90

JavaScript is off. Prices show Single / NSW / $500 excess; the shortlist shows cataracts and the alternatives show Bupa Silver Plus Classic Hospital comparisons. All policy links remain available.

All Bupa policy pages

Bupa joining offer

Current offer

Up to 8 weeks free plus a Flight Centre gift card of up to $400

New members who join and stay on eligible combined hospital and extras cover get 8 weeks free. In most cases the first 4 weeks apply 28 days after joining. The rest follow after 13 months. They also get a Flight Centre gift card of $400, or $200 on singles cover.

For new members who are Australian residents over 18 and have not held Bupa domestic cover in the last 60 days.

Ends 18 November 2026

Offer terms

Offer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.

Bupa eligibility and offer terms

The offer is not available if you join through a price comparator. Eligibility and other conditions apply.

Take out an eligible policy directly with Bupa by 18 November 2026.

Start the policy by 18 December 2026.

Eligible cover is combined hospital and extras cover or a packaged product. Gold hospital cover and any hospital cover taken with Extras Saver are excluded.

Pay premiums by direct debit. For the gift card, pay by direct debit for 60 days in a row from the policy start date. Free cover periods do not count towards the 60 days.

If you join online, enter the code 8WEEKSFREEFC. Give Bupa a valid email address.

Flight Centre emails the gift card within 30 days of you meeting every condition. It can be used in store and online for 3 years.

It cannot be combined with any other Bupa joining offer. Customers attached to a Bupa corporate group, including Bupa employees, are excluded.

What does Bupa hospital insurance cover?

Choose a treatment

4 Bupa hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus Advanced HospitalSilver Plus Advanced Hospital	$199.61/month	Check policy details: Silver Plus Advanced Hospital
Silver Plus	Silver Plus Assured HospitalSilver Plus Assured Hospital	$212.36/month	Check policy details: Silver Plus Assured Hospital
Silver Plus	Silver Plus Assured Hospital Nil ExcessSilver Plus Assured Hospital Nil Excess	$249.27/monthwith no excess	Check policy details: Silver Plus Assured Hospital Nil Excess
Gold	Gold Comprehensive HospitalGold Comprehensive Hospital	$332.14/month	Check policy details: Gold Comprehensive Hospital

Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 12 hospital policies

Selected Bupa treatment categories.

Treatment	Basic Accident Only HospitalBasic	Basic Plus Starter HospitalBasic Plus	Bronze HospitalBronze	Bronze Plus Simple HospitalBronze Plus	Bronze Plus Select HospitalBronze Plus	Bronze Plus Advantage HospitalBronze Plus	Silver Plus Classic HospitalSilver Plus	Silver Plus Essential HospitalSilver Plus	Silver Plus Advanced HospitalSilver Plus	Silver Plus Assured HospitalSilver Plus	Silver Plus Assured Hospital Nil ExcessSilver Plus	Gold Comprehensive HospitalGold
Cataracts	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included
Joint replacements	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included
Heart and vascular system	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Included
Rehabilitation	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Included	Included	Included	Included	Included
Back, neck and spine	Not included	Not included	Not included	Not included	Not included	Included	Included	Included	Included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

Bupa extras limits per 12 months unless the statement says otherwise

Selected benefit	Extras Saver	FLEXtras 4 Standard 50	Freedom 60 Boost	FLEXtras 4 Higher 50	Top Extras 60	Top Extras 90
Optical / physio benefit examples	Not included	50% of eligible charge if chosen	60% of eligible charge	50% of eligible charge if chosen	Optical: $178.50 set benefit. Physio: $42.20 set benefit for an initial visit	Optical: $268.00 set benefit. Physio: $62.70 set benefit for an initial visit
Optical limit	Not included	$200.00 if chosen	$250.00	$250.00 if chosen	$200.00	$280.00
Physiotherapy limit	Not included	$350.00 if chosenSeparate physio limit	$500.00Shared with chiropractic & osteopathy	$500.00 if chosenSeparate physio limit	$700.00Separate physio limit	$900.00Separate physio limit
Major dental + endodontic limit	Not included	$500.00 if chosen	$650.00	$750.00 if chosen	$1,000.00	$1,200.00
Psychology included?	No	If chosen	Yes	If chosen	Yes	Yes
Optical waiting period	Not included	2 months if chosen	2 months	2 months if chosen	2 months	2 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

On FLEXtras 4 Standard 50, you choose any four of the services marked with an asterisk in its policy statement. On FLEXtras 4 Higher 50, you choose any four of the services marked with an asterisk in its policy statement. Services shown "if chosen" are covered only when chosen.

Single-policy examples. Each links to its policy statement.

About these examples

Freedom 60 Boost → Top Extras 90

The optical limits move from $250 to $280 for the Single-policy examples. The upgrade raises the physio limit from $500 to $900. It also raises the major dental limit from $650 to $1,200.

Top Extras 90's higher benefit examples

Freedom 60 Boost pays 60% for the optical example. Top Extras 90 pays a $268.00 set benefit instead. It has a $280 optical limit and $900 physio limit for the Single-policy example.Compare these benefits with the premium. A set benefit is a fixed payment for the listed treatment.

Why Bupa's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 2 months.

How shared limits work

Bupa vs. Medibank vs. HBF

How Bupa compares with similar hospital policies.

These are selected Silver Plus examples from Medibank and HBF, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Bupa Silver Plus Classic Hospital with Medibank Silver Plus Core and HBF Essential Silver Hospital. Single · NSW · $500 hospital excess · Silver Plus hospital cover

Change price profile ↑

Bupa and selected alternatives: monthly prices and verified coverage differences.

Compare	BupaSilver Plus Classic HospitalReference policy	Medibank Silver Plus Core$3.57 more a month than Bupa	HBF Essential Silver Hospital$3.20 more a month than Bupa
Monthly premium after rebate	$134.50/month (lowest price in this row)	$138.07/month	$137.70/month
Rehabilitation	Restricted	Restricted	Included (best cover in this row)
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Policy details	View Bupa Silver Plus Classic Hospital	View Medibank Silver Plus Core	View HBF Essential Silver Hospital

Price assumptions

What the differences mean for you

Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.

Rehabilitation: included with HBF; restricted with Bupa and Medibank.

These alternatives match Bupa Silver Plus Classic Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Bupa and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	BupaSilver Plus Classic Hospital	Medibank Silver Plus Core	HBF Essential Silver Hospital
Rehabilitation	Restricted	Restricted	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Not included	Not included	Not included
Joint replacements	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Bupa with cover from every Australian health fund.

Compare all funds

Bupa against the industry.

Bupa members had no gap on 90.2% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Bupa paid 51.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
Bupa increased premiums by an average of 4.80% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Google

3.5 / 5

241 Google reviews

Voluntary customer reviews · Bupa Health Insurance Melbourne CBD

Snapshot: 26 October 2026. This is the Google listing for Bupa Health Insurance Melbourne CBD, not a rating of Bupa as a whole or a representative survey.

Read Bupa Health Insurance Melbourne CBD reviews at the source

Complaint share is close to market share, but investigated complaints are lower

Share of all complaints, 2024-2525.2%

Market share, 30 June 202525.5%

0%30%

State of the Health Funds Report 2024-25 · checked 26 October 2026

Bupa's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 16.4%, below its market share.

Latest quarter, January to March 2026. The Ombudsman referred 196 complaints about Bupa HI Pty Ltd to it to resolve, 29.5% of those it referred about all insurers. It also investigated 1 complaint about Bupa HI Pty Ltd, 33.3% of those it investigated about all insurers. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

4.7 / 5

48,232 App Store ratings

myBupa app · Bupa Australia Health Pty Ltd

Snapshot: 22 October 2026. myBupa is Bupa's own app. This rates the app on the Australian App Store, not Bupa's cover or claims.

See myBupa on the App Store

Google Play

1.6 / 5

About 10,100 Google Play reviews

myBupa app · Bupa Australia

Snapshot: 22 October 2026. myBupa is Bupa's own app. This rates the app on Google Play, not Bupa's cover or claims.

See myBupa on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Bupa recognises your provider. Ask for a treatment plan and item numbers so Bupa can estimate your benefits and out-of-pocket costs.
Bupa provider search
Make or track a claim
Use Bupa's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Bupa

For quotes and joining, call 134 135.Contact details checked 22 October 2026.Official contact details and messaging options

Before you choose Bupa.

What is the cheapest Bupa hospital policy?

Basic Accident Only Hospital is the cheapest Bupa hospital policy for a single person in NSW with a $500 hospital excess, at $88.40 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 12 Bupa hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Plus Advantage Hospital to Silver Plus Classic Hospital?

Bupa Silver Plus Classic Hospital adds cover for heart and vascular system and implantation of hearing devices compared with Bronze Plus Advantage Hospital. For the Single / NSW / $500 excess example it costs $4.78 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Bupa.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · Bupa · checked 26 October 2026
State of the Health Funds Report 2024-25 · Bupa · checked 26 October 2026
Government insurer profile · Bupa · checked 22 October 2026
Government premium-increase figures · Bupa · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
Google listing for Bupa Health Insurance Melbourne CBD · Bupa · checked 26 October 2026
App Store listing for myBupa · Bupa Australia Health Pty Ltd · checked 22 October 2026
Google Play listing for myBupa · Bupa Australia · checked 22 October 2026
Official contact details · Bupa · checked 22 October 2026
Offer terms · Bupa · checked 26 October 2026

How we compare health insurers

Compare Bupa policies Sources for Bupa Back to top

All policies by cover type

Hospital (13)

Show 1 more

Silver Plus Essential Hospital

Extras (96)

Show 84 more

Hospital and extras (49)

Show 37 more

Ambulance (2)

Overseas visitors (38)

Show 26 more

Browse all 198 policies →

I need cover for...