How $112.27 is worked out
- Premium as filed - $147.95 a month
- Government rebate - 24.1% of the premium (never of the loading): -$35.68
- A month - $112.27
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): $32.45; Scale and clean (item 114): $64.30; Fluoride treatment (item 121): $23.00; Tooth extraction (item 322): $93.40 | no yearly limit |
| Major dental * | 12 months | Crown (item 615): $735.40 | $1,100 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $126.40 | $1,100 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $1,300 per policy a year, $2,600 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: $222.95; Multifocal glasses: $240.00 | $240 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $40.00 | $600 per policy a year |
| Physiotherapy | 2 months | First visit: $48.30; Follow-up visit: $38.50 | $800 per policy a year |
| Chiropractic * | 2 months | First visit: $41.20; Follow-up visit: $26.80 | $600 per policy a year |
| Podiatry | 2 months | First visit: $38.50; Follow-up visit: $33.00 | $500 per policy a year |
| Psychology | 2 months | First visit: $92.50; Follow-up visit: $78.00 | $500 per policy a year |
| Acupuncture | 2 months | First visit: $34.00; Follow-up visit: $27.00 | $500 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $39.50; Follow-up visit: $31.00 | $500 per policy a year (shared with other services) |
| Hearing aids * | 12 months | Hearing aid: 75% back | $1,000 per policy a year (shared with other services) |
| Blood glucose monitors * | 12 months | Blood: 75% back | $1,000 per policy a year (shared with other services) |
| Antenatal and postnatal * | 2 months | First visit: $17.50; Follow-up visit: $17.50 | $400 per policy a year |
| Chinese herbal medicine | 2 months | First visit: $28.00; Follow-up visit: $21.00 | $500 per policy a year (shared with other services) |
| Dietitian * | 2 months | First visit: $51.00; Follow-up visit: $28.00 | $500 per policy a year |
| Exercise physiology | 2 months | First visit: $28.00; Follow-up visit: $21.00 | $500 per policy a year (shared with other services) |
| Eye therapy (orthoptics) | 2 months | First visit: $32.00; Follow-up visit: $22.00 | $500 per policy a year |
| Health management programs | 6 months | Benefit: $50.00 | $150 per policy a year |
| Home nursing * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $350 per policy a year |
| Occupational therapy | 2 months | First visit: $59.50; Follow-up visit: $44.00 | $500 per policy a year |
| Orthotics * | 12 months | Benefit: 75% back | $1,000 per policy a year (shared with other services) |
| Osteopathy * | 2 months | First visit: $50.50; Follow-up visit: $33.00 | $500 per policy a year |
| Speech therapy | 2 months | First visit: $87.00; Follow-up visit: $51.00 | $500 per policy a year |
Not covered: Audiology, Vaccinations.
* Ante/Post-natal consultations and courses including lactation consultations, with Bupa recognised providers in private practice. Home nursing covers selected services. Dietary covers consultations only. Pharmacy benefit paid after current PBS patient contribution deducted. Step down benefits apply after first 10 total services across Chiropractic and Osteopathy. Blood glucose monitors, one per year (sub-limit $400). Hearing aids, one every 3 years (sub-limit $500). Two fully custom-made orthoses (one pair), once per person per calendar year. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months.
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. 100% of travel expenses up to $100 per person, and $40 per night of accommodation fees up to $150 per person for essential hospital or medical treatment where the total return distance is 200km or more from home. Where applicable, benefits are paid under Hospital cover only (you cannot claim under both Hospital and Extras for the same trip). 2-months waiting period and eligibility criteria apply. Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), and Counselling (including Indigenous Counselling). Sub-limits apply for Digital Mental Health. Blood glucose monitors, hearing aids, and other health aids, are payable under the Health Appliances category up to $1000 per year. Sub-limits and restrictions apply.
We recognise your loyalty, by increasing your percentage back by 2% each year at Members First Providers, up to a maximum of 10%. At Non-Members First providers, the set benefit you receive will increase by 2% each year up to a maximum of 10%. 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 I16/VBLG10, 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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