Health Insurance

FLEXtras 4 Standard 50

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

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Bupa

FLEXtras 4 Standard 50

$41.05

50% back on general dental

50% back on major dental

50% back on orthodontics

Optical included

Emergency ambulance covered

Excess

Why this cover

Extras Cover
  • Dental
  • Optical
  • Physiotherapy
  • Chiropractic
Pricing & Value
Monthly premium from
$41.05
Excess
$0
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

Extras Cover

22 covered5 not covered
Endodontic
$500/policy1 yr
Root Canal Therapy: 50% back
General Dental
$500/policy2 mo
Periodic Exam: 50% backScale & Clean: 50% backFluoride: 50% backExtraction: 50% back
Major Dental
$500/policy1 yr
Full Crown (Veneered): 50% back
Orthodontic
$600/policy1 yr
Braces (Upper & Lower): 50% back
Optical
$200/policy2 mo
Single Vision Lenses: 50% backMulti-Focal Lenses: 50% back
Orthoptics
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Acupuncture
$100/policy2 mo
1st visit: 50% backNext visit: 50% back
Chinese Herbal Medicine
$100/policy2 mo
1st visit: 50% backNext visit: 50% back
Chiropractic
$350/policy2 mo
1st visit: 50% backNext visit: 50% back
Exercise Physiology
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Occupational Therapy
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Osteopathy
$350/policy2 mo
1st visit: 50% backNext visit: 50% back
Physiotherapy
$350/policy2 mo
1st visit: 50% backNext visit: 50% back
Psychology
$250/policy2 mo
1st visit: 50% backNext visit: 50% back
Remedial Massage
$180/policy2 mo
1st visit: 50% backNext visit: 50% back
Speech Therapy
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Antenatal/Postnatal
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Dietetics
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Home Nursing
$200/policy2 mo
1st visit: 50% backNext visit: 50% back
Orthotics
$350/policy1 yr
Orthotics: 50% back
Podiatry
$350/policy2 mo
1st visit: 50% backNext visit: 50% back
Audiology
-
Hearing Aids
-
Non-PBS Pharmaceuticals
$300/policy2 mo
Prescription: 50% back
Glucose Monitor
-
Health Management
-
Vaccinations
-
Bupa logo

Bupa

FLEXtras 4 Standard 50

$41.05

50% back on general dental

50% back on major dental

50% back on orthodontics

Optical included

Emergency ambulance covered

Excess

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