The Finance Algorithm

Corporate Extras

An extras policy from Bupa.

  • Corporate policy, sold through employers and associations.
  • Only sold with particular other policies.

Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Bupa files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.

From

$115.80a month

Single, NSW & ACT, no excess, before the rebate.

Medicare levy surcharge
Does not exempt you
Ambulance
Not covered
Who can join
Through an employer or group

The Private Health Information Statement for this price, on PrivateHealth.gov.au.

Against every other extras policy in NSW & ACT

Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.

This policyEvery other extras policy, 396 in all

It covers 23 services for $115.80 a month. Of the 396 other policies, 276 cost less and 127 cover more services.

Monthly premium by state and cover type

NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.

Single premium in each state

NT$116
QLD$116
WA$116
SA$116
NSW$116
ACT$116
VIC$116
TAS$116
CheaperDearer

To the nearest dollar, a month before the rebate. The tables below have every price to the cent.

Pays towards 23 of 27 standard services

Yearly limits, per person, against the typical policy

  1. General dental
    $1,000typical policy $800
  2. Major dentalshared with endodontic (root canals)
    $800typical policy $1,000
  3. Optical
    $200typical policy $220
  4. Physiotherapy
    $600typical policy $450
  5. Chiropracticshared with 4 other services
    $600typical policy $400
  6. Psychology
    $300typical policy $400
This policyTypical policy

What it pays on common claims, against the typical policy

  1. Periodic oral exam (item 012)
    $37.95typical policy $35.20
  2. Scale and clean (item 114)
    $70.30typical policy $66.85
  3. Full crown, veneered (item 615)
    $630.00typical policy $773.80
  4. Single vision lenses and frames
    $200.00typical policy $220.00
  5. Physiotherapy, first visit
    $39.95typical policy $42.00
  6. Psychology, first visit
    $71.50typical policy $75.00
This policyTypical policy
ServiceWaiting periodYearly limit, per personExample benefits (all states)
General dentalconditions apply2 months$1,000Periodic oral exam (item 012): $37.95Scale and clean (item 114): $70.30Fluoride treatment (item 121): $26.50Simple extraction (item 322): $85.00
Major dentalconditions apply12 months$800shared with endodontic (root canals)Full crown, veneered (item 615): $630.00
Endodontic (root canals)12 months$800shared with major dentalRoot canal filling (item 417): $110.00
Orthodontics12 months$1,350, $2,700 lifetimeBraces, upper and lower, with retainer (item 881): 100%
Optical2 months$200Multifocal lenses and frames: $200.00Single vision lenses and frames: $200.00
Non-PBS medicinesconditions apply2 months$300Non-PBS prescription: $40.00
Physiotherapy2 months$600Physiotherapy, first visit: $39.95Physiotherapy, later visit: $29.70
Chiropractic2 months$600shared with 4 other servicesChiropractic, first visit: $32.00Chiropractic, later visit: $24.00
Podiatry2 months$300Podiatry, first visit: $32.00Podiatry, later visit: $26.00
Psychology2 months$300Psychology, first visit: $71.50Psychology, later visit: $53.00
Acupuncture2 months$200shared with remedial massage, chinese herbal medicine, exercise physiologyAcupuncture, first visit: $24.00Acupuncture, later visit: $24.00
Remedial massage2 months$200shared with acupuncture, chinese herbal medicine, exercise physiologyRemedial massage, first visit: $22.00Remedial massage, later visit: $24.00
Hearing aidsconditions apply12 months$1,000, $850 a visitshared with blood glucose monitors, orthoticsHearing aid: 80%
Blood glucose monitorsconditions apply12 months$1,000, $850 a visitshared with hearing aids, orthoticsBlood glucose monitor: 80%
Chinese herbal medicine2 months$200shared with acupuncture, remedial massage, exercise physiologyChinese herbal medicine, first visit: $24.00Chinese herbal medicine, later visit: $24.00
Dieteticsconditions apply2 months$400Dietetics, first visit: $46.00Dietetics, later visit: $27.00
Exercise physiology2 months$200shared with acupuncture, remedial massage, chinese herbal medicineExercise physiology, first visit: $24.00Exercise physiology, later visit: $24.00
Orthoptics2 months$600shared with 4 other servicesOrthoptics, first visit: $32.00Orthoptics, later visit: $22.00
Home nursingconditions apply2 months$350Home nursing, first visit: $35.00Home nursing, later visit: $35.00
Occupational therapy2 months$600shared with 4 other servicesOccupational therapy, first visit: $64.50Occupational therapy, later visit: $44.00
Orthoticsconditions apply12 months$1,000, $850 a visitshared with hearing aids, blood glucose monitorsOrthotics: 80%
Osteopathy2 months$600shared with 4 other servicesOsteopathy, first visit: $39.50Osteopathy, later visit: $29.50
Speech therapy2 months$600shared with 4 other servicesSpeech therapy, first visit: $69.00Speech therapy, later visit: $46.00

Not covered: audiology, antenatal and postnatal, health management programs, vaccinations.

Other services: 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. 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 $1000 per year. Sub-limits and restrictions apply.

From the insurer: The longer you're with Bupa, the more you get back. For selected services, your yearly limit increases each calendar year after your first 12 months on the policy, up to a set amount. To check what your loyalty limit is, please contact us.

Home nursing covers selected services. 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 (sub-limit $500). Hearing aids are payable once every 3 years (sub-limit $850). Dietary covers consultations only.

Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.

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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.