Compare Bupa Health Insurance


Founded in 1947, Bupa Australia is part of the international Bupa Group that provides health and care services in more than 190 countries.

Fund information


Bupa and HBF are making big changes to some policies, which means reduced cover for many customers. We've updated our health insurance comparison tool with the changes, so you can compare with confidence. Switch before 1 July to avoid serving waiting periods again and losing the cover you need.


Bupa summary

Is Bupa nonprofit? 

Does Bupa get many complaints from members? 

How good is Bupa's gap cover? 

How many hospital agreements does Bupa have in my state? 

Does Bupa offer any discounts?

Does Bupa offer ambulance cover?

Does Bupa let you claim online or in-app?

What CHOICE Community says about Bupa

Bupa summary

Bupa

Founded in 1947, Bupa Australia is part of the international Bupa Group that provides health and care services in more than 190 countries. Bupa is a for-profit company, but its parent company is nonprofit.

Bupa contact details

Phone: 134 135

Email: healthenq@bupa.com.au

Website: bupa.com.au

Is Bupa nonprofit?

No. But Bupa's parent company is nonprofit.

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Does Bupa get many complaints from members?

Bupa complaints rating: Medium

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

  • The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
  • The infographic below shows the complaints about the fund to the Ombudsman as a percentage of all complaints. Complaints can be about benefits or customer service. The most serious complaints are escalated for investigation.
  • The higher the share of complaints a fund receives above its market share, the worse its performance compared to other funds. If its share of complaints is below its market share, that's a better result.

Bupa accounts for...

26.9% of the health insurance market

21.0% of all complaints about benefit payments

9.9% of all complaints about service

27.4% of all complaints that are escalated to investigations.

How good is Bupa's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that Bupa covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Bupa gap cover performance by state

New South Wales (NSW)

Below average

Australian Capital Territory (ACT)

Average

Victoria (Vic)

Average

Queensland (Qld)

Average

South Australia (SA)

Average

Western Australia (WA)

Well below average

Tasmania (Tas)

Below average

Northern Territory (NT)

Average

Percentage of medical services covered with no gap

New South Wales (NSW)

Bupa – 84.2%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Bupa – 78.5%

Industry average – 76.7%

Victoria (Vic) 

Bupa – 86.4%

Industry average – 85.0%

Queensland (Qld) 

Bupa – 82.1%

Industry average – 85.1%

South Australia (SA) 

Bupa – 85.4%

Industry average – 86.8%

Western Australia (WA) 

Bupa – 73.4%

Industry average – 90.1%

Tasmania (Tas) 

Bupa – 86.6%

Industry average – 83.0%

Northern Territory (NT) 

Bupa – 80.2%

Industry average – 80.1%

How many hospital agreements does Bupa have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Bupa has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Bupa Health has

ACT

4 private hospital agreements out of an industry maximum of 7

4 day hospital agreements out of an industry maximum of 8

NSW

83 private hospital agreements out of an industry maximum of 100

76 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

0 day hospital agreements out of an industry maximum of 2

Qld

51 private hospital agreements out of an industry maximum of 58

34 day hospital agreements out of an industry maximum of 53

SA

24 private hospital agreements out of an industry maximum of 27

22 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

4 day hospital agreements out of an industry maximum of 6

Vic

72 private hospital agreements out of an industry maximum of 79

59 day hospital agreements out of an industry maximum of 79

WA

20 private hospital agreements out of an industry maximum of 23

15 day hospital agreements out of an industry maximum of 29

Find better health cover with CHOICE. Compare health insurance now.

Does Bupa offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Does Bupa offer ambulance cover?

All Bupa hospital and combined policies cover emergency ambulance in all states.

Cover is capped at:

  • one transport per single policy a year
  • two transport per family and couple policy a year.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Bupa let you claim online or in-app?

Benefits for most extras services can be claimed online or through an app (Android and iOS).


Find better health cover with CHOICE. Compare health insurance now.

What CHOICE Community says about Bupa

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Bupa to share your experiences or gain more insights into this health fund.