FLEXtras 4 Higher 50
An extras policy from Bupa.
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
Single, TAS, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, call-out fees included, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 22 services for $73.95 a month. Of the 214 other policies, 111 cost less and 49 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
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $73.95 | $147.90 | $155.30 | $125.70 | $218.15 | $151.60 |
| VIC | $67.15 | $134.30 | $140.95 | $114.15 | $198.05 | $137.70 |
| QLD | $68.60 | $137.20 | $144.10 | $116.60 | $202.40 | $140.60 |
| SA | $69.20 | $138.40 | $145.35 | $117.65 | $204.10 | $141.90 |
| WA | $65.65 | $131.30 | $137.80 | $111.60 | $193.65 | $134.60 |
| TAS | $50.45 | $100.90 | $105.95 | $85.75 | $148.85 | $103.45 |
| NT | $56.45 | $112.90 | $118.55 | $95.95 | $166.60 | $115.70 |
Pays towards 22 of 27 standard services
A choose-your-own policy: members pick up to 4 of the services marked as optional.
Yearly limits, per person, against the typical policy
- General dental$750typical policy $800
- Major dentalshared with endodontic (root canals)$750typical policy $1,000
- Optical$250typical policy $220
- Physiotherapy$500typical policy $450
- Chiropracticshared with osteopathy$500typical policy $400
- Psychology$400typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)50% of the feetypical policy $35.20
- Scale and clean (item 114)50% of the feetypical policy $66.85
- Full crown, veneered (item 615)50% of the feetypical policy $773.80
- Single vision lenses and frames50% of the feetypical policy $220.00
- Physiotherapy, first visit50% of the feetypical policy $42.00
- Psychology, first visit50% of the feetypical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $750 | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): 50%Simple extraction (item 322): 50% |
| Major dentalconditions apply | 12 months | $750shared with endodontic (root canals) | Full crown, veneered (item 615): 50% |
| Endodontic (root canals)conditions apply | 12 months | $750shared with major dental | Root canal filling (item 417): 50% |
| Orthodonticsconditions apply | 12 months | $800, $1,600 lifetime | Braces, upper and lower, with retainer (item 881): 50% |
| Opticalconditions apply | 2 months | $250 | Multifocal lenses and frames: 50%Single vision lenses and frames: 50% |
| Non-PBS medicinesconditions apply | 2 months | $400 | Non-PBS prescription: 50% |
| Physiotherapyconditions apply | 2 months | $500 | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropracticconditions apply | 2 months | $500shared with osteopathy | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Podiatryconditions apply | 2 months | $500shared with orthotics | Podiatry, first visit: 50%Podiatry, later visit: 50% |
| Psychologyconditions apply | 2 months | $400 | Psychology, first visit: 50%Psychology, later visit: 50% |
| Acupunctureconditions apply | 2 months | $150 | Acupuncture, first visit: 50%Acupuncture, later visit: 50% |
| Remedial massageconditions apply | 2 months | $225 | Remedial massage, first visit: 50%Remedial massage, later visit: 50% |
| Antenatal and postnatalconditions apply | 2 months | $350 | Antenatal and postnatal, first visit: 50%Antenatal and postnatal, later visit: 50% |
| Chinese herbal medicineconditions apply | 2 months | $150 | Chinese herbal medicine, first visit: 50%Chinese herbal medicine, later visit: 50% |
| Dieteticsconditions apply | 2 months | $300 | Dietetics, first visit: 50%Dietetics, later visit: 50% |
| Exercise physiologyconditions apply | 2 months | $350 | Exercise physiology, first visit: 50%Exercise physiology, later visit: 50% |
| Orthopticsconditions apply | 2 months | $300 | Orthoptics, first visit: 50%Orthoptics, later visit: 50% |
| Home nursingconditions apply | 2 months | $350 | Home nursing, first visit: 50%Home nursing, later visit: 50% |
| Occupational therapyconditions apply | 2 months | $300 | Occupational therapy, first visit: 50%Occupational therapy, later visit: 50% |
| Orthoticsconditions apply | 12 months | $500shared with podiatry | Orthotics: 50% |
| Osteopathyconditions apply | 2 months | $500shared with chiropractic | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
| Speech therapyconditions apply | 2 months | $300 | Speech therapy, first visit: 50%Speech therapy, later visit: 50% |
Not covered: hearing aids, blood glucose monitors, audiology, health management programs, vaccinations.
Other services: If Travel and Accommodation service is selected, you will receive 50% (FLEXtras 50) or 60% (FLEXtras 60) back up to $100 per person per year for travel expenses and up to $150 per person per year for accommodation expenses. 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.
From the insurer: Customers can choose either a standard or higher limit and have the freedom to flex between the two at any time, standard waiting periods apply for each of your selected services before the increased limit is effective. Plus, the flexibility to swap service selections as needed if you haven’t claimed that service in the calendar year. Waiting periods and fund rules apply.
Choose any four services marked with an asterisk* (Major Dental and Endodontic count as one selection, Chiropractic and Osteopathy count as one selection, Podiatry and Foot Orthotics count as one selection, Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), Counselling (including Indigenous Counselling) and counts as one selection). Pharmacy benefit paid after deduction of the PBS co-payment. Home nursing covers selected services. Dentures, once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121, once every 6 months. Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice.
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.