ASX-listed

Bupa logo

Australia's largest international health insurer.

Compare Bupa with Comparify All funds

2026 premium increase

+4.80%

Industry average: +4.41%(+0.39 pts vs avg)

Effective 1 April 2026.

About Bupa

Bupa is one of the two biggest private health insurers in Australia, with a global parent (Bupa Group) and a wide branch and dental network. Strong brand recognition, broad agreement hospital list, and large extras provider network.

Typical strengths

  • Large Members First extras network for capped-cost dental and optical
  • Wide hospital agreements across all states
  • Strong digital tools and claims app

Things to weigh up

  • Best value usually requires using Members First providers
  • Premium positioning — not always the cheapest at any given tier
Rate rise history

Premium increases — last 5 years

How Bupa's gazetted average increase has tracked against the industry each April.

Below industry average At or above average Industry average

Bupa has been at or above the industry average in all of the last 5 rounds.

Source: Department of Health, Disability and Ageing, gazetted premium rounds 2022–2026. Years without a published figure are shown as gaps, not zero.

Ombudsman report

How Bupa performs for members

Size, complaints, retention and how much of a hospital bill members actually see covered — from the Ombudsman's 2023–24 report.

Complaints share

18%

Market share25.4%
Complaints share18%

Fewer complaints than Bupa's size would suggest.

Market share

25.4%

Share of all Australians with private health cover.

Member retention

87%

Members who stayed with the fund across the year.

Charges with no/known gap

89.5%

Hospital-related charges covered with no gap or a gap agreed up front.

Extras charges covered

50.1%

Average share of extras bills the fund's benefits pay.

Premiums returned as benefits

82.6%

Industry-leading funds return around 89–94% of premiums as benefits; the market typically returns 79–89%.

Agreement private hospitals

543

Private hospitals with agreements, where members are covered with no or known gaps.

Source: Commonwealth Ombudsman, State of the Health Funds Report 2023–24, and Comparify's hospital agreement dataset.

Live policy data

Open policies right now

Every Bupa policy currently open to new members, straight from the Government's PHIO dataset.

Hospital
72active options
  • Basic9
  • Bronze13
  • Silver34
  • Gold16

43

Extras-only policies

From $5/mo

10

Combined policies

Full hospital and extras coverage bundled together

Lowest listed price

Cheapest hospital premium

$61/mo

Per month, before rebate

PHIO data, August 2026Sold in NSW, NT, QLD, SA, TAS, VIC, WA
Counts are distinct product families, not per-state variants
Hospital pricing

How Bupa's hospital cover prices compare

Each row shows the whole market's monthly premiums for that tier, with Bupa's own open policies marked in purple.

Basic9 Bupa policies
Median$12071 open policies · 26 funds
Basic Accident Only Hospital $750 Excess — $113 per month
Reciprocal Health Cover - Basic — $114 per month
Basic Accident Only Hospital $500 Excess — $119 per month
Corporate Basic Hospital $750 Excess — $119 per month
Basic Plus Starter Hospital $750 Excess — $122 per month
Corporate Basic Hospital $500 Excess — $126 per month
Corporate Basic Plus Hospital $750 Excess — $128 per month
Basic Plus Starter Hospital $500 Excess — $128 per month
Corporate Basic Plus Hospital $500 Excess — $135 per month
$102$233
Bronze13 Bupa policies
Median$15198 open policies · 29 funds
Bronze Hospital $750 Excess — $133 per month
Bronze Plus Simple Hospital $750 Excess — $138 per month
Bronze Plus Select Hospital $750 Excess — $138 per month
Corporate Bronze Plus Hospital $750 Excess — $144 per month
Bronze Hospital $500 Excess — $147 per month
Bupa Employee Bronze Plus Hospital — $149 per month
Bronze Plus Simple Hospital $500 Excess — $156 per month
Bronze Plus Select Hospital $500 Excess — $156 per month
Bronze Plus Advantage Hospital $750 Excess — $159 per month
Corporate Bronze Plus Hospital $500 Excess — $161 per month
Bronze Plus Advantage Hospital $500 Excess — $179 per month
Bronze Plus Simple Hospital $250 Excess — $182 per month
Corporate Bronze Plus Hospital $250 Excess — $188 per month
$128$208
Silver34 Bupa policies
Median$227201 open policies · 28 funds
Corporate Hospital Cover Level 4 - Silver Plus — $167 per month
Silver Plus Classic Hospital $750 Excess — $174 per month
Corporate Hospital Cover Level 3 - Silver Plus — $175 per month
Silver Plus Essential Hospital $750 Excess — $179 per month
Corporate Silver Plus Mid Hospital $750 Excess — $189 per month
Corporate Benefit Mid Hospital Silver Plus $750 Excess — $192 per month
Silver Plus Classic Hospital $500 Excess — $196 per month
Corporate Hospital Cover Level 2 - Silver Plus — $203 per month
Corporate Benefit Mid Hospital Silver Plus $500 Excess — $203 per month
Silver Plus Essential Hospital $500 Excess — $206 per month
Corporate Silver Plus Mid Hospital $500 Excess — $210 per month
Corporate Benefit Mid Hospital Silver Plus $250 Excess — $230 per month
Corporate Hospital Cover Level 1 - Silver Plus — $230 per month
Corporate Hospital Cover Advanced Level 4 - Silver Plus — $230 per month
Silver Plus Essential Hospital $250 Excess — $233 per month
Corporate Silver Plus Mid Hospital $250 Excess — $236 per month
Corporate Hospital Cover Advanced Level 3 - Silver Plus — $240 per month
Corporate Hospital Cover Advanced Level 2 - Silver Plus — $247 per month
Corporate Benefit Mid Hospital Silver Plus Nil Excess — $251 per month
Corporate Benefit Select Hospital Silver Plus $750 Excess — $265 per month
Corporate Benefit Select Hospital Silver Plus $500 Excess — $274 per month
Corporate Hospital Cover Advanced Level 1 - Silver Plus — $274 per month
Silver Plus Advanced Hospital $750 Excess — $277 per month
Silver Plus Advanced Hospital $500 Excess — $287 per month
Corporate Silver Plus Extensive Hospital $750 Excess — $292 per month
Corporate Benefit Select Hospital Silver Plus $250 Excess — $296 per month
Silver Plus Assured Hospital $750 Excess — $297 per month
Corporate Silver Plus Extensive Hospital $500 Excess — $302 per month
Silver Plus Assured Hospital $500 Excess — $307 per month
Silver Plus Advanced Hospital $250 Excess — $313 per month
Silver Plus Assured Hospital $250 Excess — $322 per month
Corporate Benefit Select Hospital Silver Plus Nil Excess — $324 per month
Corporate Silver Plus Extensive Hospital $250 Excess — $329 per month
Silver Plus Assured Hospital Nil Excess — $342 per month
$141$473
Gold16 Bupa policies
Median$308105 open policies · 24 funds
Corporate Hospital Cover Level 4 - Gold — $248 per month
Corporate Hospital Cover Level 3 - Gold — $258 per month
Corporate Hospital Cover Level 2 - Gold — $267 per month
Corporate Benefit Hospital Gold $750 Excess — $272 per month
Corporate Hospital Cover Level 1 - Gold — $282 per month
Corporate Benefit Hospital Gold $500 Excess — $283 per month
HealthLink Hospital $750 Excess - Gold — $291 per month
HealthLink Hospital $500 Excess - Gold — $307 per month
Corporate Benefit Hospital Gold $250 Excess — $310 per month
HealthLink Hospital $250 Excess - Gold — $334 per month
Corporate Benefit Hospital Gold — $338 per month
HealthLink Hospital - Gold — $346 per month
Gold Comprehensive Hospital $750 Excess — $447 per month
Corporate Gold Comprehensive Hospital $750 Excess — $466 per month
Gold Comprehensive Hospital $500 Excess — $471 per month
Corporate Gold Comprehensive Hospital $500 Excess — $490 per month
$192$600
Bupa policyMiddle 50% of the marketMarket medianFull market range

VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.

Extras pricing

How Bupa's extras cover prices compare

Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.

Everyday extras10 Bupa policies
Median$3381 open policies · 26 funds
Emergency Only Ambulance — $5 per month
Premium Ambulance — $13 per month
Extras Saver — $16 per month
Freedom 50 — $21 per month
Budget Extras 60 — $31 per month
Starter Extras — $32 per month
Corporate Choice 50 — $36 per month
Corporate Choice 50 Boost — $50 per month
Freedom 60 — $50 per month
Corporate Choice 60 — $62 per month
$4$129
Mid extras7 Bupa policies
Median$7086 open policies · 22 funds
Bupa Employee Extras — $47 per month
Core Extras — $51 per month
Freedom 60 Boost — $65 per month
Corporate Choice 60 Boost — $76 per month
Corporate Benefit 60 Flex — $77 per month
Corporate Benefit 60 — $80 per month
Super Extras — $92 per month
$18$262
Top extras26 Bupa policies
Median$115219 open policies · 27 funds
FLEXtras 4 Standard 50 — $51 per month
Your Choice Extras 60 — $52 per month
FLEXtras 6 Standard 50 — $56 per month
FLEXtras 4 Standard 60 — $58 per month
FLEXtras 6 Standard 60 — $65 per month
FLEXtras 4 Higher 50 — $67 per month
Wellness Extras — $71 per month
FLEXtras 6 Higher 50 — $75 per month
FLEXtras 4 Higher 60 — $75 per month
Corporate 60 Extras — $89 per month
FLEXtras 6 Higher 60 — $91 per month
Top Extras 60 — $98 per month
Super Extras Active — $102 per month
Corporate 70 Extras — $106 per month
Corporate Choice 70 — $107 per month
Corporate Benefit 70 — $110 per month
Executive Extras Cover — $114 per month
Corporate Extras — $116 per month
Top Extras — $133 per month
Top Extras 75 — $148 per month
Corporate 80 Extras — $152 per month
Corporate Benefit 80 — $165 per month
Top Extras Boost — $179 per month
Top Extras 90 — $204 per month
Corporate 90 Extras — $206 per month
Signature Extras — $215 per month
$16$295
Bupa policyMiddle 50% of the marketMarket medianFull market range
Everyday extras
General dental and everyday services — no major dental
Mid extras
Major dental covered, orthodontics not covered
Top extras
Major dental and orthodontics both covered

Compare Bupa against the market — with an advisor

Same price as joining Bupa direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.

Compare now 1300 672 067
Bupa FAQ

Bupa questions, answered honestly

Can't find what you're looking for? Our Aussie-based advisors are a phone call away — 7 days a week.

See all explainers

Other funds we compare

  • AIA Health logo
  • Medibank logo
  • HCF logo
  • nib logo
  • ahm logo
  • HBF logo
See all 26 funds

Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026). Comparify compares a subset of these funds through its advisors.