Bupa Health Insurance

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

Asking for more documents for claim which Canberra hospital can’t provide. And just gave refund 40 % of emergency department fees. While others insurance gives 100% refund on same documents provided by North Canberra hospital. 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

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.

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

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.

I was charged ~ $1200 more than the correct premium. The premium was wrongly estimated with the maximum LHC loading, although I have had health insurance for around 9 years and my previous insurance already provided the clearance certificate showing the correct LHC loading. I contacted customer service but they didn’t do anything and asked for… Read more

information showing that they don’t understand the rules of health insurance. Then, I submitted a complaint more than weeks ago, but nothing has happened yet.

Does not allow cancellation on website and had to go through customer service in order to cancel. Ghosted me for a week and refused to reply so that I cannot cancel. Asked me repetitively for a reason to cancel and I responded that I do not need to provide a reason as it is my right to cancel any time. Threatened me with my visa potentially getting revoked if I cancel. DO NOT RECOMMEND. Show details

Avoid Bupa at all costs. My experience with them has been consistently frustrating and, at times, felt outright deceptive. A recurring issue is their claims system. They mark a claim as “paid” in their system, but the money never actually arrives in your bank account. When you follow this up, you are left chasing vague responses with no clear… Read more

resolution. In my case, I spent nearly two months trying to sort this out, with repeated complaints and no meaningful progress. The lack of transparency and accountability is the most concerning part. You are effectively left to prove that you have not been paid, despite their system indicating otherwise. That kind of administrative opacity is not acceptable for something as critical as health insurance. I eventually cancelled my policy because the process became too time-consuming and stressful. In contrast, Allianz has been far more reliable. Their claims process is straightforward, payments are actually processed as expected, and the overall experience is significantly less burdensome. Based on this experience, Bupa is not worth the risk.

Was on hold for about 30 minutes. Finally got through to someone and they couldn't tell me if my procedure would be covered. I needed to the 'codes'. If I had those I could get an estimate through the website. Need better trained staff and more of them. Like alot of of health funds always increasing premiums and reducing cover. Show details

In digital world they accept paper form send by post. Try to cancel policy of my parents, already sent authority form 3 months back and now they saying that the email address you use to send this form is no more valid. I used this email multiple times and no issue and even if the email address is not valid then i haven't received bounce back of… Read more

email.

Stayed in call queue for 45 mins and customer service representative asked me to send cancellation form. I thought little more headache but i will be able to cancel it. They sent me form but i says, i need to post it.

What a cr#p.