Bupa
Basic Plus Young Singles Saver
Bupa
How $158.14 is worked out
- Premium as filed - $208.40 a month
- Government rebate - 24.1% of the premium (never of the loading): -$50.26
- A month - $158.14
Go to insurer no commission on this policy
Hospital: what is covered
Covered (7)
- Dental surgery
- Gynaecology
- Hernia and appendix
- Joint reconstructions
- Miscarriage and termination of pregnancy
- Podiatric surgery (provided by a registered podiatric surgeon)
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (28)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- Skin
- Sleep studies
- 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 - Basic Plus
- Hospital - Shared room in a private hospital, or a public hospital
- Excess - No excess.
- Co-payments - $50 a day in a shared room, $50 a day in a private room, $50 for day surgery.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- 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: Cover for limited hospital services to help protect you from the unexpected. 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): $20.90; Scale and clean (item 114): $44.15; Fluoride treatment (item 121): $15.00; Tooth extraction (item 322): $58.00 | $700 per policy a year (shared with other services) |
| Major dental * | 12 months | Crown (item 615): $425.00 | $700 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $84.00 | $700 per policy a year (shared with other services) |
| Braces * | none | Braces, upper and lower, with a retainer (item 881): 100% back | $700 per policy a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: $148.40; Multifocal glasses: $150.00 | $150 per policy a year |
| Prescriptions not on the PBS * | 2 months | Prescription: $40.00 | $75 per policy a year |
| Physiotherapy | 2 months | First visit: $28.85; Follow-up visit: $19.80 | $450 per policy a year (shared with other services) |
| Chiropractic * | 2 months | First visit: $24.00; Follow-up visit: $16.50 | $450 per policy a year (shared with other services) |
| Podiatry * | 2 months | First visit: $23.00; Follow-up visit: $17.00 | $250 per policy a year |
| Psychology | 2 months | First visit: $91.50; Follow-up visit: $84.50 | $200 per policy a year |
| Acupuncture | 2 months | First visit: $22.00; Follow-up visit: $16.00 | $450 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $18.50; Follow-up visit: $18.50 | $450 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $17.00; Follow-up visit: $17.00 | $450 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $37.00; Follow-up visit: $19.00 | $250 per policy a year |
| Exercise physiology | 2 months | First visit: $17.00; Follow-up visit: $17.00 | $450 per policy a year (shared with other services) |
| Health management programs | 6 months | Benefit: 50% back | $50 per policy a year |
| Osteopathy * | 2 months | First visit: $29.50; Follow-up visit: $20.50 | $450 per policy a year (shared with other services) |
Not covered: Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Home nursing, Occupational therapy, Orthotics, Speech therapy, Vaccinations.
* Step down benefits apply after first 10 total services across Chiropractic and Osteopathy. Podiatry does not include Orthotics. Where applicable, benefits may be payable under Health Aids & Appliances. Dentures payable once every 3 years. Periodic oral examination (012), Scale & Clean (114), Fluoride treatment (121) payable once every 6 months. Orthodontic treatment is only covered if resulting from an accident requiring immediate medical attention sustained after joining this cover. Pharmacy benefit paid after current PBS patient contribution deducted.
Other services, as filed: Counselling and Psychology share a combined limit under Mental Health.
Enjoy a Top-up Bonus of $50-100 every year to help pay out-of-pocket extras expenses payable on your cover.
Ambulance
Emergency ambulance. Call-out fees covered. Waiting period for emergency transport: 1 day. No limit on emergency transport.
Agreement hospitals in Tasmania
Bupa has agreements with 16 private hospitals here, as filed with the Ombudsman.
The list
- Calvary - St John's Hospital - South Hobart
- Calvary - St Vincent's Hospital - Launceston
- Devonport Eye Hospital - Devonport (day hospital)
- Hobart Day Surgery - Hobart (day hospital)
- Hobart Eye Surgeons - Hobart (day hospital)
- Hobart Private Hospital - Hobart
- Hobart Specialist Day Hospital - Hobart (day hospital)
- Icon Cancer Centre Hobart - Hobart (day hospital)
- Launceston Health Hub Day Procedure Unit - Launceston (day hospital)
- North Tas Day Hospital - Launceston (day hospital)
- North West Private Hospital (Tas) - Burnie
- Specialist Care Australia Launceston - Launceston (day hospital)
- Specialist Care Australia Ulverstone - Ulverstone (day hospital)
- Tasmanian Digestive Centre - Devonport (day hospital)
- The Eye Hospital - Launceston (day hospital)
- The Hobart Clinic - Rokeby
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
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 J5A/SBZX10, filed by Bupa HI Pty Ltd, issued 17 Sept 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.