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 Why choose Bupa?

At Bupa, it’s our purpose that makes us different – helping our members to live longer, healthier, happier lives.

We care for over 4 million Australians and can draw on over 65 years’ experience, so you can feel confident knowing your health is in good hands.

  • You’ll get 100% visa compliant cover and receive your visa verification letter instantly when you sign with Bupa
  • 24-Hour Student Advice Line for a range of medical advice
  • Bupa Plus. As a student, you’re here to learn but you can also have fun. We want you to get great value from your Overseas Student Health Cover even when you’re fit and healthy. So keep your mind and body active with some great member discounts on health and fitness, entertainment and experiences for you to enjoy during your study breaks.
    • Up to 25% off Event Cinema and Hoyts Cinema movie tickets
    • 20% discount off admission to Sydney, Melbourne and Manly Sea Life Aquariums
    • 20% discount off admission to Wild Life Sydney, Madam Tussauds and The Sydney Tower Eye
    • 15% discount off admission at Dreamworld and Whitewater World

Some offers are only redeemable online.

  • Access to Bupa’s The Blue Room for your health and wellbeing tips.
  • Exclusive promotion for IDP students – free flu vaccination – if you join between November 2018 and January 2019.


Bupa's OSHC covers you for: 

Hospital care

  • 100% of the Medicare Benefits Schedule (MBS) fee for medical services including your doctor, specialist, surgeon, anaesthetist, X-rays and blood tests provided in hospital.
  • Shared ward accommodation, same day services, accident and emergency and outpatient medical and post-operative services in public hospitals.
  • 100% of the charges for all costs for overnight or same-day hospital stays in private hospitals which have an agreement with your OSHC provider. 
  • Surgically implanted prostheses (such as an artificial joint for a hip replacement) up to the approved amount listed on the Federal Government’s Prostheses List such as pace maker, eye lenses, hip and knee replacements, human tissues and more. 
  • Hospital costs can be expensive, so it’s always best to contact your OSHC provider before seeking hospital treatment.

Ambulance cover

You’re coved for unlimited emergency ambulance transportation to hospital for admission and on-the-spot emergency treatment by recognised providers anywhere in Australia. A medical emergency is an acute injury or illness that poses an immediate risk to your life or your long-term health. For non-medical emergency treatments, you can visit a medical centre or clinic.

Doctors and specialists

You will usually see a doctor or specialist in a medical centre.

  • 100% of the MBS fee for medical services provided by a doctor or General Practitioner (GP).

    if your GP charges more than the recommended MBS, you’ll need to pay for the difference. This is called an out-of-pocket cost.
  • 85% of the MBS fee for medical services provided by a specialist. E.g. x-rays, blood tests and other pathology services.

    a medical service is listed under Medicare as $200 and your specialist charges $250. Your OSHC provider will pay $170 (85% of $200) and your out-of-pocket is $80.

Prescription medicines

Prescription medicines are medicines that your doctor must authorise before you can buy them from a pharmacist.

  • If you are prescribed medicine by a doctor or specialist, and the medicine appears Pharmaceutical Benefit Schedule (PBS) approved listing of medications, then you are eligible to claim up to $50 per approved prescription medicine, up to a total of $300 for single and $600 per family membership per calendar year (1 January to 31 December)
  • However, you will have to pay a minimum amount first before the above benefits are payable. This minimum amount is known [CM1] as the Pharmaceutical Benefit Schedule (PBS) co-payment fee and Australian residents must pay it too. This amount does vary each year.

    Example one:
    If a prescribed medicine costs $75, you will need to pay the minimum PBS amount ($38.80 2018 PBS Rate), and then your OSHC provider will pay a benefit of the remaining $36.20.

    Example two:
    If a prescribed medicine cost $200, your OSHC provider pays the full $50 benefit as per your OSHC, and your out-of-pocket is $150.00 which is a combination of the PBS ($38.80 + the remaining $111.20).

More information

For policy details please refer to Bupa's OSHC Product Brochure

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