How $87.34 is worked out
- Premium as filed - $115.10 a month
- Government rebate - 24.1% of the premium (never of the loading): -$27.76
- A month - $87.34
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 | $500 per person a year |
| Major dental * | 12 months | Crown (item 615): 60% back | $500 per person a year (shared with other services) |
| Root canal * | 12 months | Root canal (item 417): 60% back | $500 per person a year (shared with other services) |
| Braces * | 12 months | Braces, upper and lower, with a retainer (item 881): 60% back | $600 per person a year, $1,200 lifetime |
| Glasses and contact lenses * | 2 months | Single vision glasses: 60% back; Multifocal glasses: 60% back | $200 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 60% back | $300 per person a year |
| Physiotherapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year |
| Chiropractic * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year (shared with other services) |
| Podiatry * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year (shared with other services) |
| Psychology * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $250 per person a year |
| Acupuncture * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $100 per person a year |
| Remedial massage * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $180 per person a year |
| Antenatal and postnatal * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Chinese herbal medicine * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $100 per person a year |
| Dietitian * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Exercise physiology * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Eye therapy (orthoptics) * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Home nursing * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Occupational therapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
| Orthotics * | 12 months | Benefit: 60% back | $350 per person a year (shared with other services) |
| Osteopathy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $350 per person a year (shared with other services) |
| Speech therapy * | 2 months | First visit: 60% back; Follow-up visit: 60% back | $200 per person a year |
Not covered: Hearing aids, Blood glucose monitors, Audiology, Health management programs, Vaccinations.
* Choose any four services marked with an asterisk* (Major Dental and Endodontic count as one selection, Chiropractic and Osteopathy count as one selection, Podiatry and Foot Orthotics count as one selection, Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), Counselling (including Indigenous Counselling) and counts as one selection). Pharmacy benefit paid after deduction of the PBS co-payment. Home nursing covers selected services. Dentures, once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121, once every 6 months. Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice.
Other services, as filed: If Travel and Accommodation service is selected, you will receive 50% (FLEXtras 50) or 60% (FLEXtras 60) back up to $100 per person per year for travel expenses and up to $150 per person per year for accommodation expenses. 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.
Customers can choose either a standard or higher limit and have the freedom to flex between the two at any time, standard waiting periods apply for each of your selected services before the increased limit is effective. Plus, the flexibility to swap service selections as needed if you haven’t claimed that service in the calendar year. Waiting periods and fund rules apply.
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 I64C/VPGE20, 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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