Silver Plus Prime
A Silver Plus hospital and 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, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- None, $250, $500, $750
- 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 Silver hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Silver156 policies$415.70144th cheapest of 156
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.
What a higher excess saves
Single cover in NSW & ACT, a month. The excess is what you pay towards a hospital stay before the policy pays.
- No excess$475.05
- $250 excess$26.55 less than no excess$448.50
- $500 excess$53.25 less than no excess$421.80
- $750 excess$59.35 less than no excess$415.70
No excess
$250 excessat most $500 a year for couples and families
$500 excessat most $1,000 a year for couples and families
35 of 38 clinical categories covered in full
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full35
- Not covered3
Covered 35
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Hospital psychiatric services
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Palliative care
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Rehabilitation
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Not covered 3
- Assisted reproductive services
- Pregnancy and birth
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: none, $250, $500, $750, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: Hospital and Extras for people who no longer need cover for Pregnancy and birth or Assisted reproductive services. For more details on the product contact Bupa.
Pays towards 21 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual limittypical policy $800
- Major dentalshared with endodontic (root canals)$1,000typical policy $1,000
- Optical$180typical policy $220
- Physiotherapyshared with occupational therapy$500typical policy $450
- Chiropracticshared with osteopathy$350typical policy $400
- Psychology$200typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$27.50typical policy $35.20
- Scale and clean (item 114)$55.05typical policy $66.85
- Full crown, veneered (item 615)$820.00typical policy $773.80
- Single vision lenses and frames$178.50typical policy $220.00
- Physiotherapy, first visit$42.20typical policy $42.00
- Psychology, first visit$82.50typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (NSW & ACT) |
|---|---|---|---|---|
| General dentalconditions apply | 2 months | No annual limit | - | Periodic oral exam (item 012): $27.50Scale and clean (item 114): $55.05Fluoride treatment (item 121): $21.00Simple extraction (item 322): $80.00 |
| Major dentalconditions apply | 12 months | $1,000shared with endodontic (root canals) | - | Full crown, veneered (item 615): $820.00 |
| Endodontic (root canals) | 12 months | $1,000shared with major dental | - | Root canal filling (item 417): $145.00 |
| Optical | 2 months | $180 | - | Multifocal lenses and frames: $180.00Single vision lenses and frames: $178.50 |
| Non-PBS medicinesconditions apply | 2 months | $350 | - | Non-PBS prescription: $40.00 |
| Physiotherapy | 2 months | $500shared with occupational therapy | - | Physiotherapy, first visit: $42.20Physiotherapy, later visit: $35.20 |
| Chiropracticconditions apply | 2 months | $350shared with osteopathy | $700 | Chiropractic, first visit: $33.90Chiropractic, later visit: $23.30 |
| Podiatry | 2 months | $400 | - | Podiatry, first visit: $33.00Podiatry, later visit: $27.00 |
| Psychology | 2 months | $200 | - | Psychology, first visit: $82.50Psychology, later visit: $73.50 |
| Acupuncture | 2 months | $300shared with 4 other services | - | Acupuncture, first visit: $30.00Acupuncture, later visit: $22.00 |
| Remedial massage | 2 months | $300shared with 4 other services | - | Remedial massage, first visit: $36.50Remedial massage, later visit: $27.50 |
| Hearing aidsconditions apply | 12 months | $800, $500 a visit, 1 every 3 yearsshared with blood glucose monitors, orthotics | - | Hearing aid: 70% |
| Blood glucose monitorsconditions apply | 12 months | $800, $500 a visit, 1 every 3 yearsshared with hearing aids, orthotics | - | Blood glucose monitor: 70% |
| Chinese herbal medicine | 2 months | $300shared with 4 other services | - | Chinese herbal medicine, first visit: $24.00Chinese herbal medicine, later visit: $18.00 |
| Dieteticsconditions apply | 2 months | $300shared with 4 other services | - | Dietetics, first visit: $46.00Dietetics, later visit: $23.00 |
| Exercise physiology | 2 months | $300shared with 4 other services | - | Exercise physiology, first visit: $24.00Exercise physiology, later visit: $18.00 |
| Health management programs | 6 months | $100 | - | Health management program: 50% |
| Home nursingconditions apply | 2 months | $200 | - | Home nursing, first visit: $35.00Home nursing, later visit: $35.00 |
| Occupational therapy | 2 months | $500shared with physiotherapy | - | Occupational therapy, first visit: $61.00Occupational therapy, later visit: $47.50 |
| Orthoticsconditions apply | 12 months | $800, $500 a visit, 1 every 3 yearsshared with hearing aids, blood glucose monitors | - | Orthotics: 70% |
| Osteopathyconditions apply | 2 months | $350shared with chiropractic | $700 | Osteopathy, first visit: $41.50Osteopathy, later visit: $28.50 |
Not covered: orthodontics, audiology, antenatal and postnatal, orthoptics, speech therapy, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: Includes access to Blua Online Doctor Appointments. We pay 100% of the cost for eligible consults only, up to a yearly limit of 3 services per person. Benefits are not payable for services listed on the Medicare Benefits Schedule (MBS). 2-months waiting period, eligibility criteria, terms and conditions 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 $800 per year. Sub-limits and restrictions apply.
From the insurer: Enjoy a Top-up Bonus of $50-$100 every year to help pay out-of-pocket extras expenses payable on your cover.
Home nursing covers selected services. Dietary covers consultations only. 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. Hearing Aids are payable once every 3 years.
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.