Bupa is one of the oldest health insurers in Australia, having been established in 1947. They are also one of the largest providers of OVHC Insurance, which is required by most people on working visas in Australia, including 485 Visas
Yes, all Bupa OVHC policies satisfy the Australian Government’s requirement for 485 visa holders to have adequate health insurance.
Yes. When admitted to a public hospital, you will be covered for inpatient charges, including accommodation, surgery and most other costs.
Bupa has an extensive network of Agreement Hospitals where your level of cover is equivalent to your level of cover in Public Hospitals. However, if you are admitted to a non-agreement hospital, you are only eligible for a reduced level of cover, which will most likely leave you significantly out of pocket.
You can look them up on Bupa’a provider finder at https://bupa.com.au/find-a-provider
As long as it is requested at least 24 hours in advance, a private room will usually be allocated to you in any of Bupa’s Network Hospitals
Unlike Australian Unity, all Bupa 485 insurance policies listed on our site provide cover for private hospital admissions. They are also one of the only providers to provide a guarantee for access to a private room on most policies. However, as with Allianz policies there is a significant reduction in coverage if you are admitted to a non-agreement private hospital.
Bupa offers the most comprehensive Pregnancy and Maternity cover of any provider in the market. Even their budget hospital policies cover you in public hospitals and network hospitals, which is unmatched in the market.
Similar to Frank’s policies, most Bupa extras policies give you the certainty of being covered for a fixed percentage of the costs up to the category limit. These rebates range from 50%, all the way up to 90%, depending on your level of cover. This is a different model to those used by Iman and HIF, who offer fixed rebates on a per-item basis, on top of the category limits.
Waiting periods apply to some treatments for: