Bupa Health Insurance

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

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

Terrible company, got my loading wrong when it was absolutely clear on the transfer certificate, very hard to reach on the phone, and on checking my mybupa account there is no policy even on there. Had to waste my time chasing all this and nothing is resolved. Wasted my day, Do not recommend this company. Don't even know what to do next. Show details

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.

與内人一同去Macquarie Shopping Centre的Bupa諮詢有關保險信息，内人是準備去買保險；服務人員李丹丹女士很耐心解説政策，並根據個人狀況所不同建議比較。To give a number from 10 to 1, 10 is the best. I will give her a full 10! Show details

My review is regarding Bupa phone representative Jess. Definitely worth 5 stars. She was really friendly and understanding, she helped me with my concerns and answered my questions. She also gave me contact numbers of other dentists and Prosthodontists that offer more rebates and less out of pocket costs. Thank you again Jess. I do hope you are acknowledged for your wonderful service. Show details

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.

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

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

I took Bupa OVC for my mother in law in March 17th 2026 as she was coming for a short stay of 3 weeks in April Bupa was supportive to send me a card for her to use for medical claim which never arrived I call them and explained everything to staff they said they will email me a digital one via email waited email also never received I emailed them… Read more

back no response such a poor customer service from Bupa will never recommend this insurance to anyone and keep sending me msg that your payment is due when it was clearly communicated that after 29th of April the person will be gone back the policy should be ended and no charges should apply still nothing done.

A 30 minute wait on the phone to get nowhere. Trying to get a clear answer about this access gap scheme. Went back to Dr's surgery to get more advice and they informed that I was incorrectly advised by Bupa. Just sort it out Bupa. Your staff are not trained enough to answer patient queries. And then when I used the app to seek an answer the… Read more

response was that it couldn't understand me and asked me to rephrase. 2 hours of my time, massive increases in premiums and so far absolutely no support. A simple question will not get a straight answer. Responses are not individualised and are churned out AI repetitive nonsense that anyone can read online. Do better BUPA!

I have recently transferred to BUPA from another fund, today they have sent me an email advising me that after receiving the clearance certificate from our previous fund they are adding a 2% LHC loading despite the fact that the clearance certificate shows that both myself and my husband have a 0% LHC loading. I then spent nearly 3 hours on their… Read more

chat trying to find out why the loading has been fraudulently applied to our premium when the certificate shows a 0% loading, 2 people [Name Removed] and [Name Removed] were not able to tell me with [Name Removed] blatantly lying to me by telling me that the clearance certificate showed that we had a loading with our previous fund, when I sent her a copy of the certificate to prove that was a lie she then transferred the chat to [Name Removed] who kept telling me it was correct as my husband had exceeded the days allowed to not have private insurance then the loading was correct. When I advised that the loading is removed once my husband has held private insurance for 10 years and he has now had insurance for the last 14 years continuously hence why the certificate shows that he has a 0% loading he had no answer. I have now lodged a complaint with the ombudsman over BUPAs fraudulent loading.

This place has really gone down recently, Even trying to change your policy to a more simple one that should be very easy turns into a full day chat or phone call with someone who doesn't know what they are doing. When you request the issue is escalated or looked at by a superior to help fix the issue they start fighting you and refuse to give their name. Show details

Was with bupa until now for every insurance but not anymore. Very pathetic customer service. All you get is unnecessary politeness and zero problem solving intention. Be ready to speak to 15 different person and put yourself in the loop repeating the same problems until you become hopeless and quit. I started a claim early feb and still waiting… Read more

for it to be processed. They can take as much as time to reply the chat but you cant or else the chat is closed. Voila, start again. Funny thing is it feels like they don’t know what they talking about sometimes. Who asks orthodontics forms to be filled when the claim is about the abdomen pain??? Paying more than $400 as monthly premium and you can’t get you claims processed. No wonder why the rating is so low. I would give 0 if I could.