GP & specialist care
Benefits are available for GP and specialist consultations, with up to 100% of the Medicare Benefits Schedule on most outpatient medical services.
Health insurance designed for overseas students during their time studying in Australia.
Bupa OSHC helps with eligible hospital, medical, pharmacy and emergency ambulance costs. Benefits remain subject to Bupa's fund and policy rules.
Benefits are available for GP and specialist consultations, with up to 100% of the Medicare Benefits Schedule on most outpatient medical services.
Bupa OSHC helps pay eligible hospital and medical expenses when you need covered treatment in hospital.
Unlimited emergency-only ambulance services are covered when provided by Bupa-recognised providers, subject to policy conditions.
Eligible outpatient prescription medicines can receive benefits after the applicable PBS co-payment, subject to per-script and annual policy limits.
OSHC members can access general consultations through Blua at any time, with 100% of eligible Blua consultation fees covered.
Bupa currently waives the standard two-month waiting period for pre-existing psychiatric conditions on OSHC until further notice.
Bupa combines OSHC benefits with digital and member services designed to make healthcare easier to access in Australia.
At participating Bupa-friendly GPs, the clinic can submit eligible claims directly to Bupa, helping reduce or remove the amount you need to pay on the day.
Use myBupa online or through the app to access your digital membership card, manage your cover and lodge eligible claims.
Book general consultations with online doctors 24/7. Preferred languages may be available, subject to service availability.
Bupa provides a 24-hour student advice line to help members navigate healthcare and access other support services.
Bupa OSHC includes outpatient pharmacy benefits, but limits and member contributions apply.
A waiting period is the time you need to be a member before you can claim benefits for certain services. If you are in your first 12 months of cover, Bupa may ask your doctor to complete a medical certificate for some treatment or tests.
Read our OSHC waiting periods guide →Bupa states that OSHC members can see any GP. A Bupa-friendly GP may be able to submit the claim directly.
If the provider charges more than Bupa's benefit, you may have an out-of-pocket expense. Ask about fees before your appointment.
Keep invoices and receipts for paid treatment. Eligible claims can be lodged through myBupa where required.
The myBupa app can provide access to your digital membership card while you are in Australia.
Bupa states that its OSHC helps pay eligible hospital, medical and pharmacy expenses and includes emergency ambulance benefits, subject to policy rules and limits.
Yes. Bupa states that OSHC members can see any GP. Using a Bupa-friendly GP may simplify claiming because the clinic can submit eligible claims directly.
Bupa OSHC members can access 24/7 general consultations through Blua, with 100% of eligible Blua consultation fees covered. Service terms and availability apply.
Bupa advertises unlimited emergency-only ambulance cover with recognised providers. Policy rules apply and benefits are not paid where the cost can be claimed from another source.
Eligible outpatient prescription medicines can receive a benefit after the applicable PBS co-payment, subject to per-script, per-person and per-policy annual limits.
The information on this page states benefits of up to $50 per eligible script after the applicable PBS co-payment, subject to annual limits and Bupa's current policy rules.
The current page information shows up to $500 per person and up to $1,000 per policy per calendar year, subject to eligibility and current Bupa policy rules.
Waiting periods can apply to certain services. The applicable period depends on the treatment and Bupa's current policy rules.
Bupa may ask your doctor to complete a medical certificate for some treatment or tests during the first 12 months of cover to assess applicable waiting-period rules.
The information on this page states that Bupa currently waives the standard two-month waiting period for pre-existing psychiatric conditions on OSHC until further notice. Confirm the current position with Bupa before relying on the waiver.
A participating Bupa-friendly GP may be able to submit eligible claims directly to Bupa, which can simplify the claiming process and may reduce what you need to pay on the day.
Yes. Bupa provides online claiming through myBupa for eligible claims. You should retain the relevant invoices and receipts.
The myBupa app can provide access to your digital membership card and other policy-management features while you are in Australia.
Yes. If a doctor or other provider charges more than the benefit Bupa pays, you may need to pay the difference.
Yes. Benefits, waiting periods, limits, exclusions and service arrangements can change. Review Bupa's current OSHC information and policy documents before purchasing.
Get a current Bupa OSHC quote for your required dates and circumstances.