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

$1,403.55

Pregnancy and birth covered

Joint replacements covered

Weight loss surgery covered

100% back on orthodontics

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
$1,403.55
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/person1 yr
Root Canal Therapy: $297
General Dental
Unlimited2 mo
Periodic Exam: $44Scale & Clean: $88Fluoride: $35Extraction: $139.95
Major Dental
$1,600/person1 yr
Full Crown (Veneered): $1496
Orthodontic
$1,600/person1 yr
Braces (Upper & Lower): 100% back
Optical
$420/person2 mo
Single Vision Lenses: $288Multi-Focal Lenses: $385.5
Orthoptics
$1,000/person2 mo
1st visit: $60Next visit: $40
Acupuncture
$1,000/person2 mo
1st visit: $43Next visit: $34
Chinese Herbal Medicine
$1,000/person2 mo
1st visit: $35.2Next visit: $26.4
Chiropractic
$1,000/person2 mo
1st visit: $52.8Next visit: $34.4
Exercise Physiology
$1,000/person2 mo
1st visit: $35.2Next visit: $26.4
Occupational Therapy
$1,000/person2 mo
1st visit: $112Next visit: $78
Osteopathy
$1,000/person2 mo
1st visit: $65Next visit: $42.5
Physiotherapy
$1,500/person2 mo
1st visit: $61.5Next visit: $49.5
Psychology
$1,000/person2 mo
1st visit: $126.5Next visit: $110
Remedial Massage
$1,000/person2 mo
1st visit: $62.5Next visit: $55
Speech Therapy
$1,000/person2 mo
1st visit: $100Next visit: $60
Antenatal/Postnatal
$500/person2 mo
1st visit: $22Next visit: $22
Dietetics
$1,000/person2 mo
1st visit: $64Next visit: $41
Hearing Aids
$850/person1 yr
Hearing Aid: 100% back
Home Nursing
$400/person2 mo
1st visit: $44Next visit: $44
Orthotics
$1,000/person1 yr
Orthotics: $100
Podiatry
$1,000/person2 mo
1st visit: $50Next visit: $45
Audiology
-
Glucose Monitor
$600/person1 yr
Glucose Monitor: 85% back
Health Management
$300/person6 mo
Health Management: 50% back
Non-PBS Pharmaceuticals
$1,500/person2 mo
Prescription: $75
Vaccinations
-
Bupa logo

Bupa

Gold Ultimate Health Cover

$1,403.55

Pregnancy and birth covered

Joint replacements covered

Weight loss surgery covered

100% back on orthodontics

Emergency ambulance covered

Excess

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