How $15.97 is worked out
- Premium as filed - $21.05 a month
- Government rebate - 24.1% of the premium (never of the loading): -$5.08
- A month - $15.97
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): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% back; Tooth extraction (item 322): 50% back | $500 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Glasses and contact lenses, Prescriptions not on the PBS, Podiatry, Psychology, Acupuncture, Remedial massage, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months.
Flexible limits for single memberships start at $500 and increase by $100 each year, up to a maximum of $700. Flexible limits for couple, family and single parent memberships start at $1000 and increase by $200 each year, up to a maximum of $1400.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
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 I49/SKRF10, 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.
No insurer pays to appear on this list or for its place in it. LookFirst does not say which tier or policy suits you. The filters are your own questions.