Need to know
- Bupa's cuts mean members on budget cover are no longer covered for treatments like cataract surgery and all have lost gap cover in non-agreement private hospitals
- Until 31 August you can upgrade to a higher level Bupa policy without serving a waiting period
Bupa's cuts to health insurance cover are now in effect, but members aren't out of options. Bupa customers can still:
- switch to a better policy
- ditch health insurance altogether
- take up Bupa's offer to upgrade without serving waiting times.
Bupa cuts timeline
- 1 July: 700,000 Bupa members on budget cover no longer covered for hip replacements, cataracts, pregnancy and other pricey hospital treatments.
- 1 August: Bupa changes to gap cover came into effect – you no longer receive gap cover in non-agreement private hospitals and day surgeries.
- 31 August: Deadline to upgrade to a higher level Bupa policy without serving a waiting period. However, upgrading can cost families up to $2000 a year more.
If, after the changes, you're no longer covered for treatments you want to use within the next 12 months (for example, if you're pregnant), you have until 31 August to upgrade to a higher cover Bupa policy to receive cover straight away. If you switch to another insurer, you'll have to serve a waiting period of 12 months for anything you're currently not covered for.
Some of the Bupa policies we classify as 'junk policies'. Find out about junk health insurance and why they're not good value.
Bupa member FAQs
All health funds raised premiums on 1 April 2018, so the start of a new financial year is a good time to review health cover.