How $93.11 is worked out
- Premium as filed - $122.70 a month
- Government rebate - 24.1% of the premium (never of the loading): -$29.59
- A month - $93.11
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $22; Scale and clean (item 114): $44; Fluoride treatment (item 121): $15.5; Tooth extraction (item 322): $62.6 | $700 per person a year |
| Major dental * | 12 months | Crown (item 615): $500 | $500 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): $125 | $500 per person a year (shared with other services) |
| Braces * | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $650 per person a year, $1,300 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: $150; Multifocal glasses: $180 | $180 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $40 | $300 per person a year |
| Physiotherapy * | 2 months | First visit: $30; Follow-up visit: $24 | $450 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $31.5; Follow-up visit: $21.5 | $350 per person a year, $700 per policy a year (shared with other services) |
| Podiatry * | 2 months | First visit: $22.; Follow-up visit: $22. | $350 per person a year |
| Acupuncture * | 2 months | First visit: $24; Follow-up visit: $19 | $500 per person a year (shared with other services) |
| Remedial massage * | 2 months | First visit: $24; Follow-up visit: $17 | $500 per person a year (shared with other services) |
| Antenatal and postnatal * | 2 months | First visit: $17.50; Follow-up visit: $17.50 | $450 per person a year (shared with other services) |
| Chinese herbal medicine * | 2 months | First visit: $17.00; Follow-up visit: $17.00 | $500 per person a year (shared with other services) |
| Exercise physiology * | 2 months | First visit: $17.00; Follow-up visit: $17.00 | $500 per person a year (shared with other services) |
| Eye therapy (orthoptics) * | 2 months | First visit: $30.00; Follow-up visit: $25.00 | $400 per person a year (shared with other services) |
| Health management programs * | 6 months | Benefit: 50% back | $100 per person a year |
| Occupational therapy * | 2 months | First visit: $58.00; Follow-up visit: $47.50 | $400 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $38.50; Follow-up visit: $26.50 | $350 per person a year, $700 per policy a year (shared with other services) |
| Speech therapy * | 2 months | First visit: $57.00; Follow-up visit: $34.00 | $400 per person a year (shared with other services) |
Not covered: Psychology, Hearing aids, Blood glucose monitors, Audiology, Dietitian, Home nursing, Orthotics, Vaccinations.
* If selected, Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice. Step down benefits apply after first 10 total services across Chiropractic and Osteopathy. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Choose any four services marked with an asterisk * in the list above (Major Dental and Endodontic count as one service, Chiropractic and Osteopathy count as one service, Remedial Massage and Acupuncture count as one service, Physiotherapy and Ante/Post natal count as one service). Pharmacy benefit paid after current PBS patient contribution deducted.
Other services, as filed: Includes access to Blua Online Doctor Appointments. We pay 100% of the cost for eligible consults only, up to a yearly limit of 3 services per person. Benefits are not payable for services listed on the Medicare Benefits Schedule (MBS). 2-months waiting period, eligibility criteria, terms and conditions apply. Online Doctor Appointments and Ambulance are included services and do not count towards your choice of 4 service options that can be selected.
The longer you're with Bupa, the more you get back. For selected services, your yearly limit increases each calendar year, up to a set amount. For more details or to purchase this product contact Bupa.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: none.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I3/NAST2D, filed by Bupa HI Pty Ltd, issued 13 July 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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