Several Australian visa types require visitors to take out overseas visitor health cover (OVHC). Bupa offers several OVHC types and all options are 100% compliant with Australian 485 and 482 visas.
Pros
It's well-known and trusted. Bupa is the second-largest health insurer by market share in Australia, just behind Medibank, and has a global presence.
It comes with lots of options to suit various budgets – unlike many other brands.
Con
It can't cover everything – you'll still incur out of pocket expenses if you need medical care.
Bupa Care Australia OVHC: Our verdict
Bupa is good if:
You need to meet condition 8501 of your visa.
You want to avoid ambulance fees.
You aren't covered by a RHCA.
Bupa is not great if:
You're overwhelmed by lots of choices.
You're coming to Australia as a student – you'll need OSHC.
Unlike many other insurers, Bupa offers several extras insurance options, including:
Freedom 50 Extras. This pays 50% towards benefits including General Dental, Physio, Chiro and Osteo.
Freedom 60 Extras. This pays 60% towards benefits including General Dental, Physio, Chiro, Osteo and Remedial Massage.
Top Extras 75. This pays 75% towards benefits including General Dental, Major Dental & Endodontic, Optical, Physiotherapy, Acupuncture, Remedial Massage and more.
Top Extras 90. This pays 90% towards benefits including General Dental, Major Dental & Endodontic, Optical, Physiotherapy, Acupuncture, Remedial Massage and more.
Ambulance coverage
Bupa will pay 100% of the cost of emergency ambulance transport across Australia. Ambulance services aren't generally free in Australia.
Bupa health insurance complaints
We looked at the 2023 Ombudsman health insurance complaints. Here's how Bupa stacked up:
It's good if you want a reliable customer service provider – it had a better complaint ratio than most of Australia's other large funds including HCF and nib.*
While it didn't receive many complaints compared to market share, it's not quite the best. HBF and Westfund did slightly better.
Bupa OVHC frequently asked questions
The costs covered are different depending on which option you choose. When you pick Essential Lite, Essential or Essential 50, you might need to pay more out of pocket for hospital procedures than if you pick Mid 60, Premium or Premium 90.
Not all procedures will be fully covered either. Certain treatments like heart surgery, hip replacements and renal dialysis may result in more out-of-pocket expenses.
Waiting periods also apply to certain treatments. For most hospital services and extras services, you will have to wait for two months after taking out cover before you can claim them. For most pre-existing conditions, it is 12 months for hospital cover.
When you sign up, Bupa will give you a membership card. This can be used at participating extras service providers to claim reimbursement for services, as covered under your plan.
For hospital treatments, the hospital can bill Bupa for services directly, and you will often only need to pay the difference, as well as any applicable excess, directly to the hospital or service provider.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 644 Finder guides across topics including:
The 190 Visa gives you permanent residency and can lead to citizenship. Read our easy, step-by-step guide on how to apply and what health cover you will need to have in place.
If your parents are planning to visit you in Australia from another country, they will first need an appropriate visa, and secondly need health insurance while they are here. This guide explains how to do both.
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