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Bupa is one of the most well-known names in health, both in Australia and around the world. With a focus on smart, affordable policies that almost anyone can make use of, it might be worth going to Bupa for your extras cover.
There are five pre-made plans to choose from and you can tailor your own plan with Your Choice Extras.
How does Your Choice Extras work?
This option lets you select up to four different benefits and always includes emergency ambulance as a fifth benefit.
The amount you are reimbursed, as well as your annual limits for optical cover, is dependent on whether you visit a Bupa member provider. Even if you visit a non-member provider, you can still claim fixed amounts instead of getting a percentage of costs covered.
Annual per person limits also apply.
Benefit | Orange 50 | Budget Extras 60 | Orange 60 | Your Choice Extras 60 | Top Extras 60 | Top Extras 75 | Top Extras 90 |
---|---|---|---|---|---|---|---|
Reimbursement | 50% | 60% | 60% | 60% | 60% | 75% | 90% |
General dental | $500 | $350 | $700 | $700 | Unlimited | Unlimited | Unlimited |
Major dental |
|
|
| $0 | $1,000 | $1,100 | $1,200 |
Orthodontics |
|
|
| $0 | $700 | $800 | $900 |
Optical |
| $150 or $210 based on membership | $150 | $180 or $260 based on membership | $200 or $290 based on membership | $240 or $340 based on membership | $280 or $380 based on membership |
Physiotherapy | $500 | $350 combined | $700 | $450 | $700 | $800 | $900 |
Chiropractic and osteopathy | $500 | $350 combined | $700 | $350 or $500 based on membership | $500 | $600 | $700 |
Antenatal and postnatal |
| $350 combined |
| $450 | $350 | $400 | $450 |
Natural Therapies |
| $350 combined |
| $500 | $400 | $500 | $500 |
Pharmacy |
| $100 |
| $300 | $500 | $600 | $750 |
Dietary |
|
|
|
| $400 | $500 | $750 |
Psychology |
|
|
|
| $400 | $500 | $750 |
Podiatry (no orthotics) |
|
|
| $350 | $400 | $500 | $750 |
Speech therapy |
|
|
| $400 | $400 | $500 | $750 |
Eye therapy |
|
|
| $400 | $400 | $500 | $750 |
Occupational therapy |
|
|
| $400 | $400 | $500 | $750 |
Home nursing |
|
|
|
| $350 | $350 | $400 |
Health aids and appliances |
|
|
|
| $800 | $1,000 | $1,200 |
Travel and accommodation |
|
|
|
| $100 and $150 | $100 and $150 | $100 and $150 |
Emergency ambulance | 1 service | 1 service | 1 service | 1 service | 1 service | 1 service | 1 service |
Data last confirmed as correct October 9, 2020
When you join Bupa, you also get a range of member discounts and other bonuses.
You are only able to claim benefits for services or treatments provided by a registered and recognised private practitioner.
You are not able to claim benefits for services that are claimable under Medicare or another third-party option. In addition, you cannot claim benefits for services provided outside of Australia or that were not fully customised for you. For example, prescription glasses are customised while non-prescription lenses aren’t.
Ambulance cover comes with all Bupa extras policies, but only for emergencies. This does not include ambulance transport from a hospital to your home, from a hospital to a nursing home or in other non-emergency situations.
Waiting periods also apply, and you cannot make claims during this period.
"As a mother of 3 growing children I rely heavily on Bupa extras cover. I have the Your Choice Extras plan which I find good as it reduces unnecessary cover. I'm very happy with the two free check-ups at Bupa Dental every year for our family members, but I find the optical limits are a bit too stingy. My son needs braces but I only just thought to switch one of my extras out for orthodontics so it's a long 12 month wait until we can make an appointment. However my loyalty is well rewarded with Bupa, with lifetime limits for orthodontics significantly higher than when I joined in 2015. The Bupa app is fantastic for tracking my extras usage, member only rewards and upcoming payments. "
There are several ways you can claim your Bupa health extras:
Looking for Bupa's hospital policies? Read our review and find out if it's right for you.
I have a speech impediment.If I go to latrobe communication clinic and do a therapy then will Bupa cover the cost?
Hi Sai,
Thanks for getting in touch with finder. I hope all is well with you. :)
Bupa do cover speech therapy. However, this would depend on the level of your cover. For example, if in case you only get their Bronze Plan, then you won’t be covered. On the table above, you would see that Your Choice Extras, Silver, Gold, and Platinum plans can cover speech therapy.
It would be a good idea to check with Bupa directly to confirm whether you’d be covered or not.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
what are lifestyle befefits
Hi Carol
Thank you for leaving a question
Lifestyle benefits have recently been changed to Health Management. As advised on the website, Health Management extras service helps you reach your goals by covering some of the costs for health-related programs including: nicotine replacement therapy, weight management programs and health subscriptions to Diabetes Australia and Asthma Foundation. Hope this helps!
Cheers,
Reggie