How $123.73 is worked out
- Premium as filed - $163.05 a month
- Government rebate - 24.1% of the premium (never of the loading): -$39.32
- A month - $123.73
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): $34.10; Scale and clean (item 114): $71.40; Fluoride treatment (item 121): $19.50; Tooth extraction (item 322): $81.00 | $750 per person a year |
| Major dental * | 12 months | Crown (item 615): $690.00 | $750 per person a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $140.00 | $750 per person a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 100% back | $600 per person a year, $1,200 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: $181.60; Multifocal glasses: $250.00 | $250 per person a year |
| Prescriptions not on the PBS * | 2 months | Prescription: 100% back | $300 per person a year |
| Physiotherapy | 2 months | First visit: $44.95; Follow-up visit: $34.65 | $800 per person a year (shared with other services) |
| Chiropractic | 2 months | First visit: $40.00; Follow-up visit: $27.00 | $800 per person a year (shared with other services) |
| Podiatry | 2 months | First visit: $28.60; Follow-up visit: $28.60 | $200 per person a year (shared with other services) |
| Psychology | 2 months | First visit: $99.00; Follow-up visit: $88.50 | $300 per person a year |
| Acupuncture | 2 months | Follow-up visit: $26.40 | $400 per person a year, $800 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $34.50; Follow-up visit: $26.50 | $400 per person a year, $800 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $28.80; Follow-up visit: $21.60 | $400 per person a year, $800 per policy a year (shared with other services) |
| Dietitian * | 2 months | First visit: $50.60; Follow-up visit: $25.30 | $300 per person a year |
| Exercise physiology | 2 months | First visit: $28.80; Follow-up visit: $21.60 | $400 per person a year, $800 per policy a year (shared with other services) |
| Orthotics * | 12 months | Benefit: 60% back | $200 per person a year (shared with other services) |
| Osteopathy | 2 months | First visit: $49.00; Follow-up visit: $33.00 | $800 per person a year (shared with other services) |
Not covered: Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Speech therapy, Vaccinations.
* Pharmacy benefit paid after deduction of the PBS co-payment. Dietary covers consultations only. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Preventative treatment (012,121,114) doesn't reduce yearly limit. Two fully custom-made orthoses (one pair) are payable once per person per calendar year.
Other services, as filed: 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. Digital Mental Health 100% back of the fee agreed between Bupa and the provider up to yearly limits at Bupa recognised providers.
You’ll get access to higher set benefits at our Optical Partners including a ‘no-gap’ fixed-priced package experience on glasses, yearly limits and waiting periods apply.
Ambulance
Emergency ambulance. 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 I74/NSLM2D, 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.
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