The Finance Algorithm

Bupa

89 open policies in the October 2026 data. Anyone can join.

Registered as Bupa HI Pty Ltd.

This insurer operates on a for-profit basis and is owned by BUPA Group International, a group that operates on a not for profit basis

bupa.com.au, phone 134 135

Hospital
35
Hospital and extras
7
Extras
47
Closed to new members
89

How its premiums compare in NSW & ACT

Bupa's cheapest single hospital policy in each tier against every other insurer's cheapest, counting policies anyone can buy, from October 2026 data.

  1. BasicHospital only$109.657th cheapest of 20
    $102.60$158.45
  2. BronzeHospital only$125.004th cheapest of 21
    $121.79$163.20
  3. SilverHospital only$159.805th cheapest of 21
    $157.30$257.13
  4. GoldHospital only$414.455th cheapest of 10
    $248.55$458.42
BupaEvery other insurer's cheapest
  • Basic. Its cheapest single Basic hospital policy in NSW & ACT is Basic Accident Only Hospital, at $109.65 a month before the rebate with a $750 excess: 7th cheapest of 20 insurers. See every insurer
  • Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Bronze Hospital, at $125.00 a month before the rebate with a $750 excess: 4th cheapest of 21 insurers. See every insurer
  • Silver. Its cheapest single Silver hospital policy in NSW & ACT is Silver Plus Classic Hospital, at $159.80 a month before the rebate with a $750 excess: 5th cheapest of 21 insurers. See every insurer
  • Gold. Its cheapest single Gold hospital policy in NSW & ACT is Gold Comprehensive Hospital, at $414.45 a month before the rebate with a $750 excess: 5th cheapest of 10 insurers. See every insurer

What a single pays each month, cheapest to dearest policy

Monthly, before the rebate, across every excess option. 41 corporate policies are included; they are sold through employers and associations.

  1. NSW & ACT
    $109.65 to $456.55
  2. VIC
    $112.90 to $490.00
  3. QLD
    $112.40 to $488.50
  4. SA
    $108.95 to $422.55
  5. WA
    $85.20 to $399.15
  6. TAS
    $110.20 to $451.85
  7. NT
    $60.65 to $235.90
Cheapest to dearest policy
Show the figures
Bupa's single premiums by state and policy type
StateHospitalHospital and extrasExtras
NSW & ACT$109.65 to $456.55$159.45 to $640.45$4.65 to $217.10
VIC$112.90 to $490.00$159.45 to $640.10$4.65 to $214.60
QLD$112.40 to $488.50$159.45 to $690.60$4.65 to $214.60
SA$108.95 to $422.55$159.45 to $609.85$5.85 to $214.60
WA$85.20 to $399.15$159.45 to $625.25$5.85 to $221.35
TAS$110.20 to $451.85$159.45 to $511.85$4.65 to $214.60
NT$60.65 to $235.90$114.85 to $356.40$4.65 to $214.60

What Bupa covers, and what it pays back

Hospital

Leaving out the 23 it sells through employers, Bupa has 19 policies with hospital cover. They come with no excess or one of $250, $500 or $750. Nine of the 19 drop the excess for children on the policy. All 19 offer the youth discount: up to 10% off for people who join between 18 and 29.

Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. For ambulance, 18 cover emergency ambulance trips only and one leaves ambulance out.

Extras

Not counting the 18 it sells through employers, Bupa has 34 policies with extras, covering anywhere from 1 to 25 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.

The most it pays back on common claims

  1. Full crown, veneered (item 615)on Basic Plus Active Saver
    $300.00typical policy $773.80
  2. Single vision lenses and frameson Gold Ultimate Health Cover
    $294.55typical policy $220.00
Pays up toTypical policy

Its highest yearly limits for a single

  1. General dental
    No yearly limittypical policy $800
  2. Major dental
    $1,600typical policy $1,000
  3. Optical
    $420typical policy $220
  4. Physiotherapy
    $1,500typical policy $450
  5. Chiropractic
    $1,150typical policy $400
  6. Psychology
    $1,000typical policy $400
Highest limitTypical policy

Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.

Hospital policies 35

PolicyTierFromSold inExcess options
Basic Accident Only HospitalBasic$60.65NTAll$500, $750
Corporate Basic HospitalCorporateBasic$63.95NTAll$500, $750
Reciprocal Health Cover - BasicBasic$114.35NSW & ACTAll$500
Basic Plus Starter HospitalBasic Plus$65.90NTAll$500, $750
Corporate Basic Plus HospitalCorporateBasic Plus$69.50NTAll$500, $750
Bronze HospitalBronze$71.40NTAll$500, $750
Bronze Plus Simple HospitalBronze Plus$75.00NTAll$250, $500, $750
Bronze Plus Select HospitalBronze Plus$76.45NTAll$500, $750
Corporate Bronze Plus HospitalCorporateBronze Plus$78.40NTAll$250, $500, $750
Bronze Plus Advantage HospitalBronze Plus$79.35NTAll$500, $750
Bupa Employee Bronze Plus HospitalCorporateBronze Plus$81.35NTAll$0
Silver Plus Classic HospitalSilver Plus$81.00NTAll$500, $750
Silver Plus Essential HospitalSilver Plus$81.65NTAll$250, $500, $750
Corporate Hospital Cover Level 4 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$85.45NTAll$750
Corporate Silver Plus Mid HospitalCorporateSilver Plus$87.05NTAll$250, $500, $750
Corporate Benefit Mid Hospital Silver PlusCorporateOnly sold with particular other policiesSilver Plus$89.10NTAll$0, $250, $500, $750
Corporate Hospital Cover Level 3 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$98.25NTAll$500
Corporate Hospital Cover Advanced Level 4 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$120.35NTAll$750
Silver Plus Advanced HospitalSilver Plus$121.35NTAll$250, $500, $750
Corporate Benefit Select Hospital Silver PlusCorporateOnly sold with particular other policiesSilver Plus$123.20NTAll$0, $250, $500, $750
Corporate Hospital Cover Level 2 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$125.80NTAll$250
Corporate Silver Plus Extensive HospitalCorporateSilver Plus$128.05NTAll$250, $500, $750
Silver Plus Assured HospitalSilver Plus$128.05NTAll$0, $250, $500, $750
Corporate Hospital Cover Advanced Level 3 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$129.85NTAll$500
Corporate Hospital Cover Advanced Level 2 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$136.50NTAll$250
Corporate Hospital Cover Level 1 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$153.40NTAll$0
Corporate Hospital Cover Advanced Level 1 - Silver PlusCorporateOnly sold with particular other policiesSilver Plus$164.10NTAll$0
HealthLink Hospital - GoldCorporateGold$87.15NTAll$0, $250, $500, $750
Corporate Hospital Cover Level 4 - GoldCorporateGold$123.55NTAll$750
Corporate Benefit Hospital GoldCorporateOnly sold with particular other policiesGold$123.65NTAll$0, $250, $500, $750
Corporate Hospital Cover Level 3 - GoldCorporateGold$132.85NTAll$500
Corporate Hospital Cover Level 2 - GoldCorporateGold$148.75NTAll$250
Corporate Hospital Cover Level 1 - GoldCorporateGold$176.35NTAll$0
Gold Comprehensive HospitalGold$202.45NTAll$500, $750
Corporate Gold Comprehensive HospitalCorporateGold$211.05NTAll$500, $750

Hospital and extras policies 7

PolicyTierFromSold inExcess options
Basic Plus Active SaverBasic Plus$114.85NTAll$0
Basic Plus Young Singles SaverBasic Plus$125.20NTAll$0
Basic Plus Young Couples SaverBasic Plus$250.40Couple, NTAll$0
Bronze Plus Young Singles ChoiceBronze Plus$161.75NTAll$0
Bronze Plus Young Couples ChoiceBronze Plus$307.20Couple, NTAll$0
Silver Plus PrimeSilver Plus$225.90NTAll$0, $250, $500, $750
Gold Ultimate Health CoverGold$356.40NTAll$0

Extras policies 47

PolicyFromSold inServices
Emergency Only Ambulance$4.65NSW & ACTAllAmbulance only
Premium Ambulance$6.15NSW & ACTAllAmbulance only
Extras Saver$16.00NSW & ACTAll1
Freedom 50$20.40TASAll4
Budget Extras 60$24.30TASAll12
Corporate Choice 50Corporate$25.40TASAll13
Starter Extras$26.50TASAll6
Essential 50 Visitors Cover ExtrasOnly sold with hospital cover$30.30NSW & ACTAll9
Explorer 50 Visitors Cover$30.30NSW & ACTAll9
Corporate Choice 50 BoostCorporate$36.05TASAll14
Bupa Employee ExtrasCorporate$38.85NTAll8
Your Choice Extras 60$40.20TASAll19
Core Extras$40.55TASAll11
FLEXtras 4 Standard 50$41.05TASAll22
FLEXtras 6 Standard 50$42.20TASAll22
Freedom 60$43.05TASAll6
FLEXtras 4 Standard 60$43.25TASAll22
Corporate Choice 60Corporate$45.25TASAll14
FLEXtras 6 Standard 60$48.75TASAll22
FLEXtras 4 Higher 50$50.45TASAll22
Wellness Extras$50.55TASAll17
Corporate Choice 60 BoostCorporate$54.90TASAll16
FLEXtras 6 Higher 50$56.00TASAll22
FLEXtras 4 Higher 60$56.60TASAll22
Freedom 60 Boost$57.80TASAll12
Super Extras$59.95TASAll22
Top Extras 60$65.25TASAll25
Super Extras Active$67.00TASAll22
FLEXtras 6 Higher 60$67.75TASAll22
Corporate Benefit 60 FlexCorporateOnly sold with particular other policies$77.25NSW & ACTAll18
Corporate Benefit 60CorporateOnly sold with particular other policies$79.50NSW & ACTAll20
Mid 60 Visitors Cover Extras$81.25NSW & ACTAll25
Corporate 60 ExtrasCorporateOnly sold with particular other policies$88.70NSW & ACTAll25
Top Extras$91.15TASAll24
Corporate Choice 70Corporate$94.30TASAll24
Top Extras 75$102.30NTAll25
Corporate 70 ExtrasCorporateOnly sold with particular other policies$106.15NSW & ACTAll25
Corporate Benefit 70CorporateOnly sold with particular other policies$110.15NSW & ACTAll25
Executive Extras CoverCorporateOnly sold with particular other policies$114.25NSW & ACTAll24
Corporate ExtrasCorporateOnly sold with particular other policies$115.80NSW & ACTAll23
Top Extras Boost$128.30TASAll24
Top Extras 90$135.55NTAll25
Corporate 80 ExtrasCorporateOnly sold with particular other policies$135.75WAAll25
Corporate Benefit 80CorporateOnly sold with particular other policies$164.75NSW & ACTAll25
Corporate 90 ExtrasCorporateOnly sold with particular other policies$206.45NSW & ACTAll25
Top 90 Corporate Visitors ExtrasCorporate$206.45NSW & ACTAll24
Signature ExtrasCorporateOnly sold with particular other policies$214.60NSW & ACTAll25

Bupa also has 89 older policies (3,367 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.

Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.

Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.

Questions about Bupa

Who can join Bupa?
Anyone can join. Bupa sells 89 policies to new members (35 hospital-only, 7 combined and 47 extras-only), going by the October 2026 data.
How much is Bupa hospital cover?
Its cheapest hospital policy for a single is $60.65 a month before the government rebate (October 2026 figures). What you'd pay depends on your state, the tier and the excess you pick; the chart of premiums by state above has the range for each state.