Health Insurance

Gold Ultimate Health Cover

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

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Bupa

Gold Ultimate Health Cover

$640.10

Pregnancy and birth covered

Joint replacements covered

100% back on orthodontics

100% back on hearing aids

Emergency ambulance covered

Excess

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
$640.10
Excess
$0
Hospital tier
Gold
Average Service Record1.08× average complaint rate · July–September 2025Source: Private Health Insurance Ombudsman (PHIO) Quarterly Report, July–September 2025

Inclusions

Waiting periods recognised

Change your mind within 30 days

We do all the paperwork for you

Get up to 12 weeks free

Join Bupa directly on combined hospital and extras products by 22 April 2026. We’ll even waive the 2 & 6 month waiting periods on extras. New Bupa members only. 12 weeks free applied over 2 years (3 years for annual payers).

Ending 22 Apr 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
Endodontic
$1,600/policy1 yr
Root Canal Therapy: $166.8
General Dental
Unlimited2 mo
Periodic Exam: $38.5Scale & Clean: $77.5Fluoride: $30.5Extraction: $123.2
Major Dental
$1,600/policy1 yr
Full Crown (Veneered): $970.65
Orthodontic
$1,600/policy1 yr
Braces (Upper & Lower): 100% back
Optical
$420/policy2 mo
Single Vision Lenses: $288Multi-Focal Lenses: $385.5
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: $54.35Next visit: $35.35
Exercise Physiology
$1,000/policy2 mo
1st visit: $35.2Next visit: $26.4
Occupational Therapy
$1,000/policy2 mo
1st visit: $109Next visit: $73
Osteopathy
$1,000/policy2 mo
1st visit: $67Next visit: $43.5
Physiotherapy
$1,500/policy2 mo
1st visit: $57.5Next visit: $46
Psychology
$1,000/policy2 mo
1st visit: $135.5Next visit: $131
Remedial Massage
$1,000/policy2 mo
1st visit: $62.5Next visit: $55
Speech Therapy
$1,000/policy2 mo
1st visit: $105Next visit: $64
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: $60Next visit: $55
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 logo

Bupa

Gold Ultimate Health Cover

$640.10

Pregnancy and birth covered

Joint replacements covered

100% back on orthodontics

100% back on hearing aids

Emergency ambulance covered

Excess

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