Gold Ultimate Health Cover
Compare 778 Bupa policies. Prices shown for: Single, NSW, Age 30, $500 excess.
Bupa
Gold Ultimate Health Cover
$640.45
Pregnancy and birth covered
Joint replacements covered
Emergency ambulance covered
100% back on orthodontics up to $1,600
100% back on hearing aids up to $850
Excess
Extras claim back
100% back
Why this cover
Hospital Cover
- Heart & Vascular
- Brain & Nervous System
- Eye (Not Cataracts)
- Cataracts
Extras Cover
- Dental
- Optical
- Physiotherapy
- Chiropractic
Pricing & Value
- Monthly premium from
- $640.45
- Excess
- $0
- Members First benefit
- 100% back
- Hospital tier
- Gold
Excellent Service Record0.97× average complaint rate · Q1-Q3 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, Q1-Q3 2025
Inclusions
Waiting periods recognised
Change your mind within 30 days
We do all the paperwork for you
12 weeks free
6wk after 28d + 6wk after 426d
Ending 29 July 2026
Hospital Cover
38 covered0 not covered
CoveredRestrictedNot Covered
Heart & Vascular
Brain & Nervous System
Eye (Not Cataracts)
Cataracts
Ear, Nose & Throat
Back, Neck & Spine
Extras Cover
25 covered2 not covered
Members First dentistsNo-gap dental check-ups at a Members First dentist
Check if your dentist is in-networkSearch our provider directory for your clinic.
No annual limit on preventive dental
Endodontic
$1,600/policy1 yr
Root Canal Therapy: $280.5
General Dental
Unlimited2 mo
Periodic Exam: $45.1 or no gap at Members FirstScale & Clean: $90.45 or no gap at Members FirstFluoride: $35 or no gap at Members FirstExtraction: $132
Major Dental
$1,600/policy1 yr
Full Crown (Veneered): $1408
Orthodontic
$1,600/policy1 yr
Braces (Upper & Lower): 100% back
Optical
$420/policy2 mo
Single Vision Lenses: $294.55Multi-Focal Lenses: $416.55
Orthoptics
$1,000/policy2 mo
1st visit: $60Next visit: $40
Acupuncture
$1,000/policy2 mo
1st visit: $43Next visit: $34
Chinese Herbal Medicine
$1,000/policy2 mo
1st visit: $35.2Next visit: $26.4
Chiropractic
$1,000/policy2 mo
1st visit: $55.8Next visit: $38.5
Exercise Physiology
$1,000/policy2 mo
1st visit: $35.2Next visit: $26.4
Occupational Therapy
$1,000/policy2 mo
1st visit: $110.5Next visit: $78
Osteopathy
$1,000/policy2 mo
1st visit: $69Next visit: $47.5
Physiotherapy
$1,500/policy2 mo
1st visit: $69.4Next visit: $57.75
Psychology
$1,000/policy2 mo
1st visit: $147.5Next visit: $131
Remedial Massage
$1,000/policy2 mo
1st visit: $62.5Next visit: $55
Speech Therapy
$1,000/policy2 mo
1st visit: $112Next visit: $74
Antenatal/Postnatal
$500/policy2 mo
1st visit: $22Next visit: $22
Dietetics
$1,000/policy2 mo
1st visit: $64Next visit: $41
Hearing Aids
$850/policy1 yr
Hearing Aid: 100% back
Home Nursing
$400/policy2 mo
1st visit: $44Next visit: $44
Orthotics
$1,000/policy1 yr
Orthotics: $100
Podiatry
$1,000/policy2 mo
1st visit: $65Next visit: $45.1
Audiology
-Glucose Monitor
$600/policy1 yr
Glucose Monitor: 85% back
Health Management
$300/policy6 mo
Health Management: 50% back
Non-PBS Pharmaceuticals
$1,500/policy2 mo
Prescription: $75
Vaccinations
-Bupa
Gold Ultimate Health Cover
$640.45
Pregnancy and birth covered
Joint replacements covered
Emergency ambulance covered
100% back on orthodontics up to $1,600
100% back on hearing aids up to $850
Excess
Extras claim back
100% back
Frequently Asked Questions
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