The Finance Algorithm

Mid 60 Visitors Cover Extras

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

$81.25a month

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

Medicare levy surcharge
Does not exempt you
Ambulance
Emergency and non-emergency, 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.

This policyEvery other extras policy, 214 in all

It covers 25 services for $81.25 a month. Of the 214 other policies, 123 cost less and 8 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$81
QLD$81
WA$81
SA$81
NSW$81
ACT$81
VIC$81
TAS$81
CheaperDearer

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

Pays towards 25 of 27 standard services

Yearly limits, per person, against the typical policy

  1. General dentalshared with major dental, endodontic (root canals), orthodontics
    $800typical policy $800
  2. Major dentalshared with general dental, endodontic (root canals), orthodontics
    $800typical policy $1,000
  3. Optical
    $180typical policy $220
  4. Physiotherapy
    $350typical policy $450
  5. Chiropracticshared with osteopathy
    $350typical policy $400
  6. Psychologyshared with 13 other services
    $400typical policy $400
This policyTypical policy

What it pays on common claims, against the typical policy

  1. Periodic oral exam (item 012)
    60% of the feetypical policy $35.20
  2. Scale and clean (item 114)
    60% of the feetypical policy $66.85
  3. Full crown, veneered (item 615)
    60% of the feetypical policy $773.80
  4. Single vision lenses and frames
    60% of the feetypical policy $220.00
  5. Physiotherapy, first visit
    60% of the feetypical policy $42.00
  6. Psychology, first visit
    60% of the feetypical policy $75.00
This policyTypical policy
ServiceWaiting periodYearly limit, per personExample benefits (all states)
General dentalconditions apply2 months$800shared with major dental, endodontic (root canals), orthodonticsPeriodic oral exam (item 012): 60%Scale and clean (item 114): 60%Fluoride treatment (item 121): 60%Simple extraction (item 322): 60%
Major dentalconditions apply12 months$800shared with general dental, endodontic (root canals), orthodonticsFull crown, veneered (item 615): 60%
Endodontic (root canals)12 months$800shared with general dental, major dental, orthodonticsRoot canal filling (item 417): 60%
Orthodontics12 months$800shared with general dental, major dental, endodontic (root canals)Braces, upper and lower, with retainer (item 881): 60%
Optical2 months$180Multifocal lenses and frames: 60%Single vision lenses and frames: 60%
Non-PBS medicinesconditions apply2 months$400shared with 13 other servicesNon-PBS prescription: 60%
Physiotherapy2 months$350Physiotherapy, first visit: 60%Physiotherapy, later visit: 60%
Chiropractic2 months$350shared with osteopathyChiropractic, first visit: 60%Chiropractic, later visit: 60%
Podiatryconditions apply2 months$400shared with 13 other servicesPodiatry, first visit: 60%Podiatry, later visit: 60%
Psychology2 months$400shared with 13 other servicesPsychology, first visit: 60%Psychology, later visit: 60%
Acupuncture2 months$400shared with 13 other servicesAcupuncture, first visit: 60%Acupuncture, later visit: 60%
Remedial massage2 months$400shared with 13 other servicesRemedial massage, first visit: 60%Remedial massage, later visit: 60%
Hearing aidsconditions apply12 months$400shared with 13 other servicesHearing aid: 60%
Blood glucose monitorsconditions apply12 months$400shared with 13 other servicesBlood glucose monitor: 60%
Antenatal and postnatal2 months$300Antenatal and postnatal, first visit: 60%Antenatal and postnatal, later visit: 60%
Chinese herbal medicine2 months$400shared with 13 other servicesChinese herbal medicine, first visit: 60%Chinese herbal medicine, later visit: 60%
Dietetics2 months$400shared with 13 other servicesDietetics, first visit: 60%Dietetics, later visit: 60%
Exercise physiology2 months$400shared with 13 other servicesExercise physiology, first visit: 60%Exercise physiology, later visit: 60%
Orthoptics2 months$400shared with 13 other servicesOrthoptics, first visit: 60%Orthoptics, later visit: 60%
Health management programs6 months$100Health management program: 60%
Home nursingconditions apply2 months$350Home nursing, first visit: 60%Home nursing, later visit: 60%
Occupational therapy2 months$400shared with 13 other servicesOccupational therapy, first visit: 60%Occupational therapy, later visit: 60%
Orthoticsconditions apply12 months$400shared with 13 other servicesOrthotics: 60%
Osteopathy2 months$350shared with chiropracticOsteopathy, first visit: 60%Osteopathy, later visit: 60%
Speech therapy2 months$400shared with 13 other servicesSpeech therapy, first visit: 60%Speech therapy, later visit: 60%

Not covered: audiology, vaccinations.

Other services: Travel 100% up to $100. Where applicable, benefits will be paid under your Hospital cover (cannot claim benefits on both hospital and extras for the same trip). Eligibility criteria apply. Accommodation (per night) $40 up to $150. Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice. 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, orthotics, and other health aids, are payable under the Health Appliances category, which share a yearly limit with other services specified in list. Sub-limits and restrictions apply. Blood glucose monitors are payable once per year. Hearing aids are payable once every 3 years. To find out about other health appliances included and relevant sub-limits and restrictions, please contact us.

From the insurer: The longer you're with Bupa, the more you get back. For selected services, your yearly limit increases each calendar year, up to a set amount.

Home nursing covers selected services. Podiatry does not include Orthotics. Where applicable, benefits may be payable under Health Aids & Appliances. 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.

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.