Freedom 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 4 services for $21.10 a month. Of the 214 other policies, 7 cost less and 202 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 | $21.10 | $42.20 | $44.30 | $35.85 | $54.85 | $43.25 |
| VIC | $20.85 | $41.70 | $43.80 | $35.45 | $54.20 | $42.75 |
| QLD | $21.05 | $42.10 | $44.20 | $35.80 | $54.70 | $43.15 |
| SA | $21.05 | $42.10 | $44.20 | $35.80 | $54.75 | $43.15 |
| WA | $21.05 | $42.10 | $44.20 | $35.80 | $54.65 | $43.15 |
| TAS | $20.40 | $40.80 | $42.85 | $34.70 | $53.05 | $41.80 |
| NT | $20.85 | $41.70 | $43.80 | $35.45 | $54.25 | $42.75 |
Pays towards 4 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with physiotherapy, chiropractic, osteopathy$500typical policy $800
- Physiotherapyshared with general dental, chiropractic, osteopathy$500typical policy $450
- Chiropracticshared with general dental, physiotherapy, osteopathy$500typical 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
- Physiotherapy, first visit50% of the feetypical policy $42.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | $500shared with physiotherapy, chiropractic, osteopathy | $1,000 | Periodic oral exam (item 012): 50%Scale and clean (item 114): 50%Fluoride treatment (item 121): 50%Simple extraction (item 322): 50% |
| Physiotherapy | 2 months | $500shared with general dental, chiropractic, osteopathy | $1,000 | Physiotherapy, first visit: 50%Physiotherapy, later visit: 50% |
| Chiropractic | 2 months | $500shared with general dental, physiotherapy, osteopathy | $1,000 | Chiropractic, first visit: 50%Chiropractic, later visit: 50% |
| Osteopathy | 2 months | $500shared with general dental, physiotherapy, chiropractic | $1,000 | Osteopathy, first visit: 50%Osteopathy, later visit: 50% |
Not covered: major dental, endodontic (root canals), orthodontics, optical, non-pbs medicines, podiatry, psychology, acupuncture, remedial massage, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, chinese herbal medicine, dietetics, exercise physiology, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy, vaccinations.
From the insurer: Flexible limits for single memberships start at $500 and increase by $100 each year, up to a maximum of $700. Flexible limits for couple, family and single parent memberships start at $1000 and increase by $200 each year, up to a maximum of $1400.
Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months.
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.