Bupa
Silver Plus Prime
Bupa
How $419.40 is worked out
- Premium as filed - $552.70 a month
- Government rebate - 24.1% of the premium (never of the loading): -$133.30
- A month - $419.40
Go to insurer no commission on this policy
Hospital: what is covered
Covered (35)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (0)
None.
Not covered (3)
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - No excess.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - No
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: Hospital and Extras for people who no longer need cover for Pregnancy and birth or Assisted reproductive services. For more details on the product contact Bupa.
For accommodation we pay up to $50 per night to a limit of $150 per person per trip. Benefits are payable per return trip. Eligibility criteria apply. Contact Bupa for more information.
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental * | 2 months | Check-up (item 012): $26.40; Scale and clean (item 114): $56.15; Fluoride treatment (item 121): $15.00; Tooth extraction (item 322): $82.10 | no yearly limit |
| Major dental * | 12 months | Crown (item 615): $790.00 | $1,000 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $150.00 | $1,000 per person a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: $178.50; Multifocal glasses: $180.00 | $180 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $40.00 | $350 per person a year |
| Physiotherapy | 2 months | First visit: $39.95; Follow-up visit: $32.45 | $500 per person a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $24.80; Follow-up visit: $17.70 | $350 per person a year, $700 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $400 per person a year |
| Psychology | 2 months | First visit: $89.00; Follow-up visit: $73.50 | $200 per person a year |
| Acupuncture | 2 months | First visit: $30.00; Follow-up visit: $22.00 | $300 per person a year (shared with other services) |
| Remedial massage | 2 months | First visit: $36.50; Follow-up visit: $27.50 | $300 per person a year (shared with other services) |
| Hearing aids * | 12 months | Hearing aid: 70% back | $800 per person a year, $500 per service, 1 service every 3 years (shared with other services) |
| Blood glucose monitors * | 12 months | Blood: 70% back | $800 per person a year, $500 per service, 1 service every 3 years (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $24.00; Follow-up visit: $18.00 | $300 per person a year (shared with other services) |
| Dietitian * | 2 months | First visit: $46.00; Follow-up visit: $23.00 | $300 per person a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $24.00; Follow-up visit: $18.00 | $300 per person a year (shared with other services) |
| Health management programs | 6 months | Benefit: 50% back | $100 per person a year |
| Home nursing * | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $200 per person a year |
| Occupational therapy | 2 months | First visit: $81.50; Follow-up visit: $54.50 | $500 per person a year (shared with other services) |
| Orthotics * | 12 months | Benefit: 70% back | $800 per person a year, $500 per service, 1 service every 3 years (shared with other services) |
| Osteopathy * | 2 months | First visit: $30.50; Follow-up visit: $22.00 | $350 per person a year, $700 per policy a year (shared with other services) |
Not covered: Braces, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Speech therapy, Vaccinations.
* Home nursing covers selected services. Dietary covers consultations only. Step down benefits apply after first 10 total services across Chiropractic and Osteopathy. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Pharmacy benefit paid after current PBS patient contribution deducted. Two fully custom-made orthoses (one pair) are payable once per person per calendar year. Blood Glucose monitors are payable once per year. Hearing Aids are payable once every 3 years.
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. 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 $800 per year. Sub-limits and restrictions apply.
Enjoy a Top-up Bonus of $50-$100 every year to help pay out-of-pocket extras expenses payable on your cover.
No yearly limit on preventative dental.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Western Australia
Bupa has agreements with 44 private hospitals here, as filed with the Ombudsman.
The list
- Abbotsford Private Hospital - West Leederville
- Albany Day Hospital - Mira Mar (day hospital)
- Attadale Rehabilitation Hospital - Attadale
- Bethesda Hospital - Claremont
- Bunbury Day Hospital - Bunbury (day hospital)
- Cambridge Day Surgery - Wembley (day hospital)
- Craigie Day Surgery - Craigie (day hospital)
- Esus Centre - Subiaco (day hospital)
- Genesis Care Shenton House - Joondalup (day hospital)
- GenesisCare Mandurah - Mandurah (day hospital)
- Glengarry Private Hospital - Duncraig
- Hollywood Private Hospital - Nedlands
- Icon Cancer Centre Midland - Midland (day hospital)
- Icon Cancer Centre Rockingham - Rockingham (day hospital)
- Joondalup Health Campus - Joondalup
- Kings Park Day Hospital - West Perth (day hospital)
- Lions Eye Institute Day Surgery Centre - Nedlands (day hospital)
- Marian Centre - Wembley
- McCourt Street Day Surgery - West Leederville (day hospital)
- Mount Hawthorn Day Hospital - Mount Hawthorn (day hospital)
- Mount Hospital - Perth
- Murdoch Surgicentre - Murdoch (day hospital)
- Ngala Family Services - Kensington
- Perth Clinic - West Perth
- Perth Dermatology Clinic - Perth (day hospital)
- Perth Eye Hospital - West Perth (day hospital)
- SleepMed Healthcare - Leeming
- South Perth Hospital - South Perth
- Southbank Day Surgery - South Perth (day hospital)
- St John Of God Bunbury Hospital - Bunbury
- St John Of God Geraldton Hospital - Geraldton
- St John Of God Midland Health Campus - Midland
- St John Of God Mt Lawley Hospital - Mount Lawley
- St John Of God Subiaco Eye Hospital - Wembley (day hospital)
- St John Of God Subiaco Hospital - Subiaco
- St John of God Murdoch Hospital - Murdoch
- Subiaco Private Hospital - Subiaco
- Sundew Day Surgery - Joondalup (day hospital)
- The Park Private Hospital - Mount Lawley
- Waikiki Private Hospital - Waikiki
- Walcott Street Surgical Centre - Mount Lawley (day hospital)
- West Coast Endoscopy Centre - Joondalup (day hospital)
- West Leederville Private Hospital - West Leederville
- Western Haematology and Oncology Clinics - West Perth (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $950.10 |
| NSW | Just me | None | $475.05 |
| NT | Me and my partner | None | $552.70 |
| NT | Just me | None | $276.35 |
| QLD | Me and my partner | None | $976.60 |
| QLD | Just me | None | $488.30 |
| SA | Me and my partner | None | $836.80 |
| SA | Just me | None | $418.40 |
| TAS | Me and my partner | None | $811.80 |
| TAS | Just me | None | $405.90 |
| VIC | Me and my partner | None | $944.70 |
| VIC | Just me | None | $472.35 |
| WA | Me and my partner | None | $846.10 |
| WA | Just me | None | $423.05 |
Member retention (hospital cover)
86.1% is the Commonwealth Ombudsman's figure for BUPA in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
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 J21A/DIMZ20, 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.