How $49.10 is worked out
- Premium as filed - $64.70 a month
- Government rebate - 24.1% of the premium (never of the loading): -$15.60
- A month - $49.10
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): 60% back; Scale and clean (item 114): 60% back; Fluoride treatment (item 121): 60% back; Tooth extraction (item 322): 60% back | $650 per policy a year |
| Major dental * | 12 months | Crown (item 615): 60% back | $650 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 60% back | $650 per policy a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: 60% back; Multifocal glasses: 60% back | $250 per policy a year |
| Physiotherapy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year |
| Acupuncture | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 60% back; Follow-up visit: 60% back | $500 per policy a year (shared with other services) |
Not covered: Braces, Prescriptions not on the PBS, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, 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. Dentures payable once every 3 years.
Other services, as filed: Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies) and Counselling (including Indigenous Counselling). Digital Mental Health: 100% back of the fee agreed between Bupa and the provider up to yearly limits at Bupa recognised providers.
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 I75/NSQH10, 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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