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Compare Bupa Health Insurance

How Bupa rates for member complaints, gap cover and ambulance.

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CHOICE staff
CHOICE staff
Fact-checked

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Bupa summary

Founded in 1947, Bupa Australia is part of the international Bupa Group that provides health and care services in more than 190 countries. It has 3.5 million members. Bupa is a for-profit company, but its parent company is nonprofit.

Phone: 134 135

Website: bupa.com.au

Is Bupa nonprofit?

No. But Bupa's parent company is nonprofit.

Does Bupa get many complaints from members?

Bupa complaints rating: Low

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.

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

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

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.

Does Bupa offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None

Youth discounts: Offered on all hospital policies; these are transferable (you can transfer a discount from another fund to one of these policies).

Does Bupa offer ambulance cover?

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

For Gold and selected Silver policies cover is unlimited but for all other policies cover is capped at:

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

Does Bupa offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study and not living with a partner. Family Plus policy covers adult children aged 21 to 25 who are not in full-time study and not living with a partner.

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).

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE