Super 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
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 $97.00 a month. Of the 214 other policies, 152 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 | $97.00 | $194.00 | $203.70 | $164.90 | $286.10 | $198.90 |
| VIC | $91.65 | $183.30 | $192.50 | $155.80 | $270.35 | $187.90 |
| QLD | $87.95 | $175.90 | $184.70 | $149.50 | $259.40 | $180.35 |
| SA | $86.05 | $172.10 | $180.70 | $146.30 | $253.80 | $176.45 |
| WA | $89.00 | $178.00 | $186.90 | $151.30 | $262.55 | $182.45 |
| TAS | $59.95 | $119.90 | $125.85 | $101.90 | $176.90 | $122.90 |
| NT | $69.50 | $139.00 | $145.95 | $118.15 | $205.00 | $142.50 |
Pays towards 22 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$900typical policy $800
- Major dentalshared with endodontic (root canals)$900typical policy $1,000
- Optical$250typical policy $220
- Physiotherapyshared with chiropractic, osteopathy$800typical policy $450
- Chiropracticshared with physiotherapy, osteopathy$800typical policy $400
- Psychologyshared with acupuncture, chinese herbal medicine, exercise physiology$300typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$35.20typical policy $35.20
- Scale and clean (item 114)$71.40typical policy $66.85
- Full crown, veneered (item 615)$900.00typical policy $773.80
- Single vision lenses and frames$196.40typical policy $220.00
- Physiotherapy, first visit$49.95typical policy $42.00
- Psychology, first visit$107.50typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (NSW & ACT) |
|---|---|---|---|
| General dentalconditions apply | 2 months | $900 | Periodic oral exam (item 012): $35.20Scale and clean (item 114): $71.40Fluoride treatment (item 121): $19.50Simple extraction (item 322): $104.00 |
| Major dentalconditions apply | 12 months | $900shared with endodontic (root canals) | Full crown, veneered (item 615): $900.00 |
| Endodontic (root canals) | 12 months | $900shared with major dental | Root canal filling (item 417): $151.00 |
| Optical | 2 months | $250 | Multifocal lenses and frames: $250.00Single vision lenses and frames: $196.40 |
| Non-PBS medicinesconditions apply | 2 months | $400 | Non-PBS prescription: $40.00 |
| Physiotherapy | 2 months | $800shared with chiropractic, osteopathy | Physiotherapy, first visit: $49.95Physiotherapy, later visit: $42.35 |
| Chiropractic | 2 months | $800shared with physiotherapy, osteopathy | Chiropractic, first visit: $44.00Chiropractic, later visit: $30.00 |
| Podiatry | 2 months | $300shared with orthotics | Podiatry, first visit: $42.90Podiatry, later visit: $35.10 |
| Psychology | 2 months | $300shared with acupuncture, chinese herbal medicine, exercise physiology | Psychology, first visit: $107.50Psychology, later visit: $96.00 |
| Acupuncture | 2 months | $300shared with psychology, chinese herbal medicine, exercise physiology | Acupuncture, later visit: $28.60 |
| Remedial massage | 2 months | $200 | Remedial massage, first visit: $47.00Remedial massage, later visit: $36.00 |
| Hearing aidsconditions apply | 12 months | $500, 1 every 3 years | Hearing aid: 60% |
| Blood glucose monitorsconditions apply | 12 months | $300, 1 every year | Blood glucose monitor: 60% |
| Chinese herbal medicine | 2 months | $300shared with psychology, acupuncture, exercise physiology | Chinese herbal medicine, first visit: $31.20Chinese herbal medicine, later visit: $23.40 |
| Dieteticsconditions apply | 2 months | $300shared with orthoptics, occupational therapy, speech therapy | Dietetics, first visit: $55.20Dietetics, later visit: $27.60 |
| Exercise physiology | 2 months | $300shared with psychology, acupuncture, chinese herbal medicine | Exercise physiology, first visit: $31.20Exercise physiology, later visit: $23.40 |
| Orthoptics | 2 months | $300shared with dietetics, occupational therapy, speech therapy | Orthoptics, first visit: $33.60Orthoptics, later visit: $31.20 |
| Home nursingconditions apply | 2 months | $250 | Home nursing, first visit: $35.00 |
| Occupational therapy | 2 months | $300shared with dietetics, orthoptics, speech therapy | Occupational therapy, first visit: $73.50Occupational therapy, later visit: $57.00 |
| Orthoticsconditions apply | 12 months | $300shared with podiatry | Orthotics: 60% |
| Osteopathy | 2 months | $800shared with physiotherapy, chiropractic | Osteopathy, first visit: $54.00Osteopathy, later visit: $37.00 |
| Speech therapy | 2 months | $300shared with dietetics, orthoptics, occupational therapy | Speech therapy, first visit: $96.00Speech therapy, later visit: $51.60 |
Not covered: orthodontics, audiology, antenatal and postnatal, health management programs, vaccinations.
Preventative dental is not counted against the dental limit.
Other services: Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), and Counselling (including Indigenous Counselling). 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.
From the insurer: You’ll get access to higher set benefits at our Optical Partners including a ‘no-gap’ fixed-priced package experience on glasses, yearly limits and waiting periods apply.
Home nursing covers selected services. Pharmacy benefit paid after deduction of the PBS co-payment. Dietary covers consultations only. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Blood glucose monitors are payable once per year. Hearing aids are payable once every 3 years. Two fully custom-made orthoses (one pair) are payable once per person per calendar year.
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.
Compare
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.