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Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.Private health insurance premiums in Australia have increased by an average of 4.41% from April 1, 2026, marking the largest hike in nearly a decade. This rise, approved by the federal government, will cost households an estimated extra $80 to $160 annually.
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Bupa Health Insurance Review 2025

Compare 745 BUPA Health policies. Prices shown for: Single, NSW, Age 30, $500 excess.

BUPA Health Insurance - Quick Facts

Policies745
Hospital From$60.65/mo
Customer reviews
3.5 stars/ 215 reviews
PHIO
🟢 Good Service RecordBased on 745 complaints  |  Oct 2024 – Sep 2025

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (7 April 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with BUPA Health.

Ready to compare?

See all 745 BUPA Health policies side-by-side with personalised pricing.

Prices reflect your profile settings (Single, NSW, Age 30, $500 excess). Policy information from PrivateHealth.gov.au (February 2026). Reviews from ProductReview.com.au (January 2026). Not affiliated with BUPA Health.

Explore BUPA Health Policies

BUPA Health offers 745 health insurance policies across three coverage types. Prices shown are for Single, NSW, Age 30, $500 excess.

Hospital Cover

138 policies covering private hospital treatment, from $60.65* per month. Ranges from Basic tier (lowest coverage, avoid Medicare Levy Surcharge) to Gold tier (highest coverage, most treatments included).

138 policies available
From:$60.65/mo*
*For Single
View Policies

Extras Cover

530 policies covering general treatment (dental, optical, physio, etc.), from $16.00* per month. Extras policies help reduce out-of-pocket costs for everyday health services not covered by Medicare.

530 policies available
From:$16/mo*
*For Single
View Policies

Combined Cover

77 policies bundling both hospital and extras coverage, from $114.85* per month. Combined policies often include a discount (typically 2–5%) compared to purchasing hospital and extras separately.

77 policies available
From:$114.85/mo*
*For Single
View Policies
Policy Name
Type
Tier
Price*
Hospital
Extras
Gold Ultimate Health Cover
Combined
Gold
$356.40
Silver Plus Prime
Combined
Silver+
$225.90
Bronze Plus Young Singles Choice
Combined
Bronze+
$161.75
Basic Plus Active Saver
Combined
Basic+
$114.85
HealthLink Hospital - Gold
Hospital
Gold
$87.15
-
Silver Plus Classic Hospital
Hospital
Silver+
$81.00
-
Bronze Plus Simple Hospital
Hospital
Bronze+
$75.00
-
Bronze Hospital
Hospital
Bronze
$71.40
-
Basic Plus Starter Hospital
Hospital
Basic+
$65.90
-
Basic Accident Only Hospital
Hospital
Basic
$60.65
-
-
Extras Saver
Extras
-
$16.00
-
-

*Prices for Single, NSW, Age 30, $500 excess. Actual prices may vary — confirm with BUPA Health directly. Update profile settings ↑

BUPA Health Pricing Overview

Based on PrivateHealth.gov.au data (last updated 7 April 2026), BUPA Health's policies for Single cover start from:

Hospital Only

From:$60.65/mo*

Extras Only

From:$16/mo*

Combined

From:$114.85/mo*

*Prices reflect your profile: Single, NSW, Age 30, $500 excess.
Actual premiums may vary — always obtain an official quote from BUPA Health before making decisions. Update your profile ↑

Customer Reviews

Google Reviews
3.5out of 5
Based on 215 reviewsReviews sourced from Google Reviews (April 2026).

What BUPA Specialises In

Find policies suited to your situation. Prices are indicative only.

Hospital Coverage
Gold
Comprehensive — all clinical categories
Bronze
17+ clinical categories
Basic
Minimal coverage, MLS avoidance
Extras Coverage
Dental General
Physiotherapy
Chiropractic
Osteopathy
Remedial Massage
Optical
Acupuncture
Exercise Physiology

All prices shown are indicative only and were last updated using data from PrivateHealth.gov.au. Actual prices may vary based on individual circumstances. Please confirm pricing directly with insurers.

Customer Service Record & Complaints

BUPA Health competes primarily with other mid-sized insurers focused on competitive pricing and simplified product ranges. Key competitors include Medibank, Bupa, and NIB.

Good Service Record745 complaints in Oct 2024 – Sep 2025 · 99% resolved internallySource: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26
Official PHIO Data

Based on official data from the Private Health Insurance Ombudsman (PHIO), Bupa has a Good Service Record.

7.64Complaint Rateper 1% market share
1%Investigation Rate1% required formal investigation
99%Resolution Rate99% resolved internally

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26 (Jul–Sep 2025). Note: All health insurers receive some complaints. Lower rates indicate better service and faster internal resolution of member concerns.

Complaint breakdown

745
Complaints
25.4
Mkt Share %
99%
Resolved
Quarter-on-Quarter: down 18% (236 → 194 complaints)

Complaints per Quarter

Latest quarter
Previous quarters
129
Oct-Dec '24
186
Jan-Mar '25
236
Apr-Jun '25
194
Jul-Sep '25

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

Top Complaint Categories — All Insurers Combined
Industry-wide from all 35+ insurers, Q1 2025-26. Not specific to AIA Health.
Disputes referred to insurer90%
Resolved at first contact8%
Formal investigations1%
How AIA Health Addresses These

Good Service Record — resolves most member concerns before they escalate to the Ombudsman.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1 2025-26. 849 total complaints industry-wide across all 35+ Australian health insurers.

BUPA Health vs Industry Average - Complaint Rate per 1% Market Share

7.64
745 complaints
BUPA Health
7.36
Industry Avg

Bupa handles 25.4% of the market. Complaint rate of 7.64 vs industry average of 7.36.

Source: Private Health Insurance Ombudsman (PHIO) Quarterly Reports, Q2 2024-25 to Q1 2025-26

How to Resolve Issues

1
Contact BUPA Health134 135 or
2
Request Internal ReviewIf unsatisfied, request a formal review.
3
Contact the OmbudsmanFree: 1800 640 695 or privatehealth.gov.au/ombudsman

Data Source: Private Health Insurance Ombudsman (PHIO) Quarterly Update Q1 2025-26 (Jul–Sep 2025). Complaint data is independently collected and published by the Commonwealth Ombudsman's office. Update Frequency: Ombudsman data is updated quarterly (Jan, Apr, Jul, Oct). This page reflects the most recent publicly available PHIO data. Last updated: December 2025.

Learn how Ombudsman ratings are calculated →

Compare BUPA Health to Competitors

How Bupa compares to other Australian health insurers based on pricing, service record, and product range.

PricingCompare Bupa's premiums against other funds for similar coverage levels.
Service RecordOmbudsman complaint data from PHIO Oct 2024 – Sep 2025 shows how each fund handles member issues.
Product rangeBupa offers 745 policies — compare the breadth of coverage options available.
Market PositionBupa holds 25.4% market share among Australian health insurers.
BupaBupa
MedibankMedibank
HCFHCF
Policies
745
748
144
Rating
3.5/5
2.6/5
3/5
Hospital From*
$60.65/mo
$55.25/mo
$40.95/mo
Type
For-profit
For-profit
For-profit
Service
🟢 Good
🟠 Average
🔴 Poor

*For Single in NSW. Service record data from PHIO Q1 2025-26. Update profile ↑

Contact & Support

PhoneGeneral: 134 135Claims: 134 135Mon-Fri 8am-6pm AEST
Email
Onlinehttp://www.bupa.com.au
MailBupa GPO Box 4338MelbourneVIC3001

Frequently Asked Questions

All information provided in these FAQs is general information only and does not constitute financial, insurance, or personal advice. For advice specific to your circumstances, consult with a licensed financial or insurance adviser, or contact insurers directly. Information is based on our understanding as of 7 April 2026 and may change. Always verify current information with official sources.

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