Insurance

Bupa health insurance

Our verdict: Bupa health insurance is one of Australia’s
most popular funds, in part due to its great value policies

Bupa health insurance review

Bupa is a modern dental clinic in Wollongong with highly experienced and professional dentists. Our qualified dentists are able to provide all general dental services such as hygiene, fillings, crowns and dentures as well as cosmetic dentistry treatments. Our experienced dentists can also provide dental implants and full mouth reconstruction. We have Illawarra’s only resident dental sedationist who can provide Sleep Dentistry.

Basic Accident Only Hospital. This covers you for things like operating theatre, intensive care and ward fees. It also comes with a feature called Accident Inclusion. For accidents sustained after joining, treatment which is restricted or is an exclusion on this cover may be payable in the same way as an included service.
Basic Plus Starter Hospital. As well as Accident Inclusion, this one comes with services such as tonsils, adenoids and grommets, joint reconstructions and dental surgery.
Bronze Plus Simple Hospital. This covers a handful of important treatments like cancer treatments, dental surgery, brain and nervous system, tonsils and hernia repair.
Silver Plus Essential Hospital. This covers you for 28 of the 38 clinical categories, a few more than the minimum requirement for silver, which is 26.
Silver Plus Advanced Hospital. This covers you for several gold tier services like, cataracts, joint replacements, and sleep studies.

Good value Bupa policies

Freedom 50 Extras (formerly Orange 50). With Freedom 50 Extras, you’ll get 50% back at any provider for services including general dental, physio, chiro and osteo, up to your yearly limits. You’ll also get a flexi-limit, which allows you to spread your annual limit across a range of services or use the entire limit on one service.
Budget Extras 60. This covers your basic treatments like general dental, optical and a range of therapies like physio and chiro but it also includes treatments you usually find in higher level policies like antenatal and postnatal treatments, exercise physiology and pharmacy. It also includes emergency ambulance cover. Bupa reimburses you 60% toward most covered treatments.

Bupa health insurance: Our verdict

You’ll also get a flexi-limit, which allows you to spread your annual limit across a range of services or use the entire limit on one service
Freedom 60 Extras (formerly Orange 60). This extras policy gives you 60% back at any provider for services like general dental, physio, chiro and osteo, up to your yearly limits. It also comes with a flexi-limit, so you can spread your annual limit across a range of services or use the entire limit on one service.
Your Choice Extras 60. Your Choice Extras 60 gives you 60% back for most items at Bupa’s network of extras providers, plus the ability to choose four services to suit their needs. You can change your service options on your anniversary, every 12 months.
Top Extras 60. With the same reimbursements rate and all the same treatments as the previous two policies, Top Extras 60 adds quite a few more treatments to the mix, including psychology, dietary, home nursing, health aids/appliances and travel/accommodation expenses if you have to travel far for hospital treatment (you’d have to have a Bupa hospital policy to take advantage of this benefit).
Top Extras 75. This is the same cover as the Top Extras 60 policy, but with a 75% reimbursement rate instead of 60%. It also has higher benefit limits on many treatments.
Top Extras 90. This is the same as the other two top extras policies, but with a 90% reimbursement rate and higher benefit limits on most treatments.

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