Bupa Health Insurance

Zero stars. Early this year I've switched to another provider. After being with a new provider for a month, bupa sends me out a letter requesting me to send $183 into their nominated account. The letter doesn't explain anything.  Show details

Highly suggest all overseas people to avoid Bupa insurance. Their customer service is exceptionally poor and way below standard. They are just waiting to trap your money and offer zero help in return. They treat overseas customers with total disrespect, acting like our situations do not matter at all. The entire support team is useless. They will… Read more

waste your time, drain your money, and leave you stranded. Disgusting behavior. Stay away from this company!

Loyal Customer who was left speechless from a Bupa mistake and paid the penalty!! – After 15 years with Bupa, I was totally disappointed with Bupa Optical where I was referred to a non Bupa preferred specialist who was not part of their preferred partners which left me $000:00+ out of pocket expenses Have now left Bupa after their responses to my complaint. So disappointed!!!!! Show details

Worst Healthfund ever – I only lasted 4 months with Bupa. I just called them and tried to cancel my policy. I was on the phone for 30 minutes while they tried to up sell me and knock the health fund I transferred too. Staff are so rude I asked more than 10 times to cancel… Read more

my policy and he had the hide to tell me not to raise my voice! What more can I do when they won't listen, especially when he was trying to tell me I can't re open the policy. What don't u understand the cancel my policy or that I am NEVER re signing with Bupa!

Pay $500 a month for hospital and extras. Supposed to have $500 available for osteopathy services. But my 60min osteopathy costs $189 Bupa pays a lousy $20.55 Medibank Private looking more and more attractive. Show details

Late on the afternoon of Wednesday (17/6/2026), I visited the Sunshine Plaza Bupa store and waited for a short time for Annie Talyor (the manager) to serve me. Annie could not have been more more professional, helpful and compassionate. The doors of the store closed at 5 p.m., but Annie stayed until 5:45 to help me take out a new policy for my… Read more

daughter and help me with my own policy. Annie was wonderful. I can not comment on any other people's experience but mine could not have been better. Thank you Annie for your attentive and knowledge service, when you could have told me it was too late and come back the next day. I will be working so I would not have been able to get back until next week. Janette Mather

Where do I even begin? Transferred over from another fund. They did not process the clearance certificate and this resulted in me being double charged and not even benefitting from the six weeks free. i got charged by the old insurer because the… Read more ·  1

policy didnt get cancelled. In addition to that it meant BUPA applied lifetime health loading. So basically coming to BUPA cost me extra money instead of saving me money. In addition everytime you call it says they have high volumes and they will send a text, but the text doesnt even come through. Huge wait times, constantly transferred between departments with no notes between and I had to explain myself many times.

BUPA quietly denied my dead mothers hospital visit after she passed! My mum had top tier BPUA health coverage for many years. Unfortunately she passed away after a short stay in a public hospital. When she was admitted to the public hospital she agreed to be treated as a private patient so that the public system would get money from her private… Read more

health insurance. After she passed, I contacted BUPA to inform them of her passing and to cancel her policy. Without any authority over her account, or proof of death, I was able to cancel the policy and have a pro-rata refund sent out. Then weeks later a letter arrived in the mail addressed to my deceased mum. Luckily someone opened it and sent me photos. BUPA had decided that my mum was not a paid member at the time of her hospital visit so they denied the payment to the public hospital. I called them to get this error fixed, and now they don't want to talk to me unless I get probate papers from the supreme court! Apparently anyone can ring up and cancel a policy, but if you try to hold them to account for a policy claim, then they make your life hell! I've lodged a complaint and my next step will be the Commonwealth Ombudsman. I fear this might be a pattern of behavior to deny claims for deceased people and then send a letter to the deceased person telling them their claim was denied.

I've used a lot of different providers over the years but Bupa has so far the worst customer service experience I have ever encountered. I've been in a live chat with them for over 8 hours trying to get their coverage information and 8 hours later they're still working on the answer whether the numbers I provided are covered or to what extent. I… Read more

just think it's utterly ridiculous that it takes more than 8 hours to get an answer from them about what level of cover I can expect from them. I'm scared what I will encounter when I'll actually have to make this claim.

I have been unfortunately insured with Bupa for over 30 years. How terrible can they continue to be? Claims can take 3 weeks to process, and yet while their service and cover continue to erode, the costs just continue to rise. They are so difficult to contact. Have just had the customary long chat on the computer and when they transfer me to… Read more

customer response group the chat just times out. This means starting the whole process from scratch. What an inept organisation.

Bupa health insurance is the worst insurance company. It cheats people by giving offers and then later deny fulfilling it. I purchased the highest cover from bupa and they kept denying all my claims by saying they don't understand if it's from an older period when I was with another insurance. I had uploaded a claim for a general blood test (for… Read more

general vital check) and a general ultrasound for for wellbeing. This was supposed to be covered as per my insurance cover statement. But bupa denied it stating that they think it is for a pre-existing condition which may or may not have been diagnosed in past. It was a general blood test, item number was clearly claimable as per my cover statement and mbs but still they denied it. And the customer service team kept discarding my request for a written detailed explanation. Complete cheats, highly disappointed DO NOT RECOMMEND AT ALL

Unprofessional service from start to finish. Put membership om pause due to travel in Europe for 4 months. Was told then, I can activate the same plan when I get back. Tried that today and was told in chat, a new policy must be taken out. Waited 75 minutes in chat mode and still no offer. Time and oxygen wasters and advised them to get more staff or get organised. Show details

DO NOT JOIN BUPA do you want your payment plans changed without them asking you? do you want them to try and charge you for 6 weeks of coverage DESPITE signing up for the 6 weeks free promo? do you want to be charged $900 instead of $305 because they can’t line up their systems? then join bupa do you want to be sat in a call queue for hours and… Read more

have incredibly awful customer experience both on the phone and in the mobile app chat option? join bupa dude it’s an absolute joke, please don’t sign up with them for your own sanity

This is regarding their customer service, not the insurance itself. Bupa sent me an email suggested I went to a hospital and making a claim.I did not go to the hospital. I visited the dentist. So I called Bupa support line and could not understand most of their operators' words due to their strong accent and is causing very frustrating. After I… Read more

gave my IDs and politely advised their operator that I could not understand him, he switched me to a different operator who also has a strong accent. Give up. Will never call Bupa again.

Bupa does not care. I have a friend on top hospital cover. He has been desperate to get into drug and alcohol rehabilitation. They have done nothing to help him and after a week still no help and now he is ready to give up on getting help. Customer service is pathetic and their lack of respect fails in every respect. I don’t want to see my friend… Read more

dead which is where he may end up trying to fight his problems on his own and the added and unnecessary stress caused by Bupa.

I seem to be writing numerous reviews recently. Is it because I am too picky or because the level of incompetence is of the scale? My recent problem is with BUPA health insurance. Although I would rather call them mafia or coercive health insurance. First I made a mistake to follow the advice of iSelect rep and switched from perfectly good… Read more

insurance company (HCF) to this mob. At first, I was deceived when I was told that BUPA returns 100% on twice yearly dental check-ups. In fact, they say the same on their advertising. However, it is only true if you allow BUPA to choose the dentist they like. As it happens, there is a considerable amount (about 30%) out-of-pocket cost if you choose your own dentist. HCF pays 100%. Then I encountered another incompetent person at my dentist practice. She was unable to submit the claim via HICAP unit and I had to summit it myself from my home computer. As it appears, she was placing the second claim in my name instead of my wife's name and therefore HICAP rejected it. Not too complicated procedure if you put your mind to it, but what if your mind is incapable. Anyway, that was just a beginning of my troubles. As I submitted my claim to BUPA I waited for it to be processed, and waited and waited and... Claim was submitted on 20th May and finally on 25th it appeared on the BUPA website as paid. I rejoiced, but my joy was too early. Three days later I still did not see the money in my account, so I decided to inquire with BUPA. BUPA has this wonderful facility called CHAT where you ask and then wait for someone to reply. The wait is rather waaaaaaaait as it takes a long time for someone to reply. In fact, that rather uncomplicated inquiry took 90 minutes to complete. During these 90 minutes I found out that BUPA credited my money to my BUPA account, without asking me if I want to do that. That is quite a good way to use other people money for free. When I said that I do not want that, and I want MY money in my bank account it took a while to compute, but eventually, someone called Bon resolved (I hope) this tremendous task. I had to send my invoice again, as it was too difficult for Bon to find it in BUPA's database, and he submitted my request to the other team (no wonder health insurance is so expensive. So many teams should be supported). Now I have to wait again for THE OTHER team to process my claim and then, maybe, I will see this money in my bank account. At the end of my very unproductive conversation with Bon he asked if there is anything else he can do, and I answered "How about giving me back 90 minutes of my life that I wasted on this chat". His answer was that BUPA will not tolerate "inappropriate language" and terminated the chat. Can anyone help me to understand which word was "inappropriate" please.

Never use theses people I have top cover and they won’t even let me cancel my policy Hcf have helped me instantly don’t use Bupa theses people they screw you around to the stage where I had to change screw you bupa I’m in the music industry and they still said we can’t help you Remember you have done wrong I won’t every cent I have paid to you or it goes on stage at the next gig game on now Show details

Absolute ripoff! Selling essential visitor cover for overseas people and claim to pay 100% appointments for bulk billing doctors but then only pay half because you're not Australian?? Next they claim it's a super easy system and swipe your card yet nearly no dr accepts it so you pay the whole lit then wait 3 weeks for an answer and then get the… Read more

disappointment of only receiving part payment after waiting an hour and 20 minutes on the phone... What a waste of time and money. Don't get the extra cover as its like a 10% discount card and they worm out of paying for anything. Can't wait for them to be sued.

Avoid at all costs! Go with Medibank Private. I now pay half of the almost $400/month with Bupa. I was expecting that I'd be well looked after since I'm paying well above the market price. Went in for a small hand surgery and I had to pay it all out of my own pocket. Hospital and surgeon states my Bupa card is declining and I must pay up.… Read more

Contacted Bupa and they accused me of it possibly being a "pre-existing" condition prior to joining and that I needed to provided medical evidence if not. Typical insurance company. I always pay on time. But when it's their turn to pay, of course they make it as difficult as possible. Two weeks now since surgery. They still haven't paid up and I'm well out of pocket. Total waste of my time and money joining them. Would have been better off putting my $400/month in my own self-managed heath fund (bank savings account). I cut my losses and jumped ship to Medibank Private. YOU HAVE BEEN WARNED - I TOLD YOU SO....

Good to join but if you cancel the lady cut me off in the conversation was condescending. Very rude.. the cover was very little and def would save more by saving for treatments instead Show details

What would one expect from a multinational run from a rich elite in Great Britain. Quater of century a member, I switch to a more equitable fund. These losers lie to the fund I'm currently in so I reincure the money grabbing government levey tax. Which has concluded with myself dealing with the fallout of these liars at Bupa. Go elsewhere people. This company has the mentality of " grubs ". Show details

6 Weeks for a small claim that I am covered for, constant delays, a simple claim for my accommodation staying in hospital while my wife gave birth. The policy lists I am covered for this. Sent 6 invoices all up chased hospital, for more detail they requested when it is all clear as day. Honestly the way they drag this out is a complete scam. They… Read more

hope you give up. As soon as it is not a claim where you just tap your card, outside of the automated system they will not pay you and waste hours and months of your time. It is very obvious why they have so many 1 star reviews.

4hrs to change policy, still couldn't do it. Tried to cancel, it took 2hrs and still waiting to cancel. Tried calling and they hanged up instead. Stay away from bupa. Show details

I had overseas work health insurance with Bupa. I paid for a month nearly $400 and my cover limit is $600 per year. It is too stupid thing. I don’t know why people say BUPA is the best. If you call Customer Care, you have to wait one hour. Show details