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Bupa Health Insurance
Nicole C.Greater Melbourne (Metropolitan), VIC
A fraud
I’m $5500 out of pocket after making 3 calls to make sure I’m covered prior to agreeing to surgery. Every time I was told 100% the most important thing for me was no out of pocket fees. The service was ok until it came time for a refund. What a fraud, absolutely life shattering.
1 comment
Similar opinion? Write a review on ProductReview.com.au!
BazzaGreater Melbourne (Outer), VIC
- 4 reviews
- 6 likes
- Verified customer
Absolute waste and deceiving company
Dont sign up and avoid at all costs. Very deceiving company. Quick to sign you up and deduct money every month. Comes to claims and they throw all T&C at your face and reject!!!! I would give zero star if I could here. Dont ever deal with them!!!!!!
6 comments
Ryan K.Bupa
Hi Bazza,
It’s disheartening to hear about your experience with Bupa, and I’d appreciate the opportunity to take your feedback on board.... Read more
If you’re willing, feel free to send us a private message (http://m.me/BupaAustralia) on Facebook with your full name, date of birth and membership number, and a summary of your complaint, and I’ll meet you there. Here if you need, RyanHi Ryan,
I already provided these details to you call center agent when making the complaint but was told - Sorry we cant do anything. Anyways the membership number was - [Number Removed]
Kristina E.Bupa
Good evening, Bazza.
I can appreciate that you’ve previously provided those details, though in order to pass on your feedback we’ll need a little more information. If you'd like to discuss this furth... Read more
er, simply send the above details to us through Facebook private message (http://m.me/BupaAustralia), and we’ll go from there.Similar opinion? Write a review on ProductReview.com.au!
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4.2(506)Emma
- 2 reviews
- 3 likes
DO NOT JOIN BUPA THEY DO NOT CARE
Please be warned if you are a current BUPA member or looking to join. I was with BUPA for 11 years. Almost never made a claim. last year my husbands credit card details were stolen. We cancelled the card and our bupa payments stopped coming out. We did not receive a phone call to notify us that our payments were overdue or that our account would be cancelled just emails. emails that went to junk mail. I found out that we had no health insurance the day before my 6 year old daughter had surgery. After 11 years of paying $400+ per month BUPA quit...Read more
e simply don't care. I asked if i could back pay the payments, I was refused. I would never recommend BUPA to anyone ever. A company that does not care enough to make a phone call to check in that everything is okay especially in times like these.1 comment
Ryan K.Bupa
Hi Emma,
It’s disappointing to read your feelings about Bupa, but I’ll be happy to clarify what’s happened here. ... Read more
Once a policy has reached four months in arrears, it’ll be cancelled due to lack of payment. This is after we contact you through your primary contact method, but it’s a shame that it went through to your junk mail. Unless an error has been made on Bupa’s end, we wouldn’t be able to reinstate an account after it was ceased due to arrears. Warm regards, RyanSimilar opinion? Write a review on ProductReview.com.au!
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Terrible and appalling service
I’ve got my parents a Visitor visa cover yesterday but found out that some of the cover does not suit them very well. I tried asking for other options but Kirstie kept on insisting that it is the only cover available. The first month premium was already taken out of my bank account and we haven’t received any correspondence about the policy! With my disappointment, I asked if I could just get a refund since we haven’t claimed anything yet! They won’t refund it! With all the insurance companies, this is the only company I’ve heard of who doesn’t...Read more
have a cooling off period! To think that I’ve only had the application done yesterday! They haven’t sent us any policy paperwork but taken out $328 out of our account! Terrible is an understatement! As soon as the first month’s finished, I’m going to switch insurer!1 comment
Cody A.Bupa
Good morning, Leona.
It’s tough to hear that you’re thinking of cancelling this cover, especially after just taking this out. We have cooling off periods for residential covers, but due to the admini... Read more
stration costs of creating documents for visa purposes, this doesn’t apply to visitors cover which is confirmed within the declaration when joining.Similar opinion? Write a review on ProductReview.com.au!
Katie PUnincorporated, SA
- 16 reviews
- 12 likes
- Verified customer
A waste of money
My husband and I have been Bupa members for about 3 years. I recently fell pregnant and wanted to upgrade my plan to cover pregnancy and birth, they informed me that I will have to wait a 12 month waiting period- as a pre existing member! And in 12 months, pregnancy and birth cover will be useless to me.
Their variety of plans is a joke. I’ve been comparing insurance and other companies have much better deals with the same extras that we actually use!
I was disgusted when I was speaking to a customer service representative about the pregnancy...Read more
and birth cover, I expressed the fact that I wasn’t pleased, and wanted to search for a new health insurance provider- and they didn’t give a crap. They continued to tell me to have a good day. You don’t give a crap about your customers, Bupa.1 comment
Kristina E.Bupa
Hi Katie,
It’s tough to hear that you’re thinking of leaving the Bupa family, though I can appreciate needing to do what’s best for your family.... Read more
Health Insurance is guided by Community Rating, ensuring that all customers are treated fair and equally. This also means that we're unable to wave the waiting periods that apply on new services, when our members upgrade their level of cover. For more information on how pregnancy coverage works industry wide, I’d recommend having a read of the Private Health Insurance Ombudsman's (PHIO) factsheet: https://www.ombudsman.gov.au/publications/brochures-and-fact-sheets/factsheets/all-fact-sheets/phio/obstetrics If you’ve got any other questions about your policy, please feel free to send us a Facebook private message (http://m.me/BupaAustralia) along with your full name, date of birth and membership number. Here when you need, Kristina *Private Health Information Statements (PHIS) are available for all levels of cover online.Similar opinion? Write a review on ProductReview.com.au!
Arielle C.Sydney, NSW
Phone help was the issue
I was happy with BUPA, until I had to call them about a refund. The app and the claim system are good, but the guy on the prone was simply rude and to tired to help. I had a few questions, but on the first one he already said "you need that or no refund, that is it". well, I said OK then, I hung up
1 comment
Kristina E.Bupa
Good afternoon, Arielle.
Providing excellent customer service is very important to us, so it’s tough to read your experience, and I’d like to ensure that this feedback is passed through to the right place. ... Read more
If willing, please send us a Facebook private message (http://m.me/BupaAustralia) with your full name, date of birth and membership number. Be sure to also include the date and time of call, as well as anything further you’d like us to assist with. Here to help, KristinaSimilar opinion? Write a review on ProductReview.com.au!
Avoid at all costs. NIB is so much better
Failed to contact me after they said they would
If Bupa can't send an email, how do you expect them to do anything else?
Avoid at all costs, stick to NIB.
1 comment
Cody A.Bupa
Hey Dylan,
Although it’s tough to hear you feel this way, I can understand your frustration in not hearing back from us if we’ve advised we’d contact you. I’d be happy to provide your feedback to the... Read more
relevant team if you’ve not done so already, I’ll just need some details to get that organised.Similar opinion? Write a review on ProductReview.com.au!
Western AustraliaPerth, WA
- 2 reviews
- 1 like
Review and upgrade of current cover
Tried calling Bupa as I was trying to review my cover but waited on the phone for 45 minutes, to finally get cut off as soon as the call was "answered". Called back and selected new client option and got through straight away, only to be transferred to someone else who deals with current clients - 25 minutes later and STILL not answered. Shocking!!!! They are clearly only interested in New clients and then have no interest once you've joined. Wouldn't recommend!!!
2 comments
Cody A.Bupa
Good afternoon,
It’s concerning to hear you’ve waited this long and had the call drop out, especially as our wait times didn’t reflect this yesterday, so I’d love to give you a hand. ... Read more
If you’d like me to organise a call from our Cover Fit team, simply shoot through a Facebook private message (http://m.me/BupaAustralia) with your membership number, full name and date of birth, along with your contact number and a copy of this review, and I’ll take it from there. Chat soon, CodyHi Cody, many thanks for your reply. Unfortunately I do not have a Facebook account, so are unable to message you. I have however managed to finally contact Bupa through their sales team and change my... Read more
cover. Again, thank you for contacting me in an attempt to resolve this issue. Kind regards.Similar opinion? Write a review on ProductReview.com.au!
Naveed s.Launceston, TAS
Non-Friendly Customer Service
During the call I found customer service provide so rude and straight behaviour. Her name is [name removed], she doesn’t know how to talk with client and specifically with international/overseas students. When I asked one thing twicely she showed me as I was burden on her.
I was referred by my close friend that’s why I got the policy through that non-friendly customer service provider.
She confirmed me that I will receive my policy details and summary via email in just 2 hours but after 24 hours I am still waiting for that.
After the call ,...Read more
1 comment
Cody A.Bupa
Hey Naveed,
It’s disappointing to hear you’ve had this experience, as we pride ourselves on providing great customer service every time you speak with us. I’d really like the opportunity to provide y... Read more
our feedback to the relevant team, or at the very least, ensure that your cancellation has been organised correctly.Similar opinion? Write a review on ProductReview.com.au!
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Bad customer service
Customer service officer doesn’t know how to handle frustrated customer. Raised her voice and rudely told me to stop repeating the information. I had to keep on repeating the information because she didn’t understand the concern right away.
1 comment
Cody A.Bupa
Good morning, Ema.
We aim to provide a high level of service each and every time you contact us, so it’s disappointing to read about your experience.... Read more
I’d appreciate the opportunity to look into this further and provide the appropriate feedback, but I’ll just need a little more information to do so. Please send me a private message on Facebook (http://m.me/BupaAustralia) with your full name, date of birth and membership number and a brief summary of your review, and I’ll meet you there. Here to help, RyanSimilar opinion? Write a review on ProductReview.com.au!
Worst when it somes to answering calls. Wasted
Wasted almost 1 hour of waiting and kept transferring me to other call agents and still didnt help me! Ended up wasting my time!!!! You should improve and hire more staff to andwer your phones!!!
1 comment
Kristina E.Bupa
Good morning, Quinn.
While we work hard to ensure our members get through to us as quickly as possible, I can appreciate that waiting an hour would be frustrating, particularly if you need to speak w... Read more
ith multiple people. I’d be happy to pass this feedback on to the right place, as well as address any outstanding enquiries you may have.Similar opinion? Write a review on ProductReview.com.au!
KMCNortheast, VIC
- 12 reviews
- 2 likes
Great taking your money, lousy for customer service or cover
NO CUSTOMER SERVICE when it comes to claims. When it came time to use my health insurance, I called and verified I was covered before surgery, I was told YES (twice). BUT when I went to claim they denied 2 item claims - AND didn't even bother with a phone call to clarify details or explain why it was being denied. When I inquired why they blamed Medicare for putting 2 items numbers into one, BUT I had evidence that it wasn't Medicares fault. Then instead of being able to fix on the phone for me or put in a claim fix I was told by BUPA (when on ...Read more
the phone) to hang up and email a BUPA email address and request it be fixed??? They don't provide options online for you to verify bank details and they don't verify any bank details before paying and ended up paying into an old closed bank account. ALL of my issues could have been solved if they bothered to call you when assessing the claim. The claim process stretched on for weeks and weeks all whilst trying to recover from surgery - they never reached out once. I'm still waiting! They couldn't have done anything more to make the process harder!!! WOULD NOT RECOMMEND.3 comments
Cody A.Bupa
Good afternoon,
It’s concerning to hear you’ve had this experience, and I’d really like the opportunity to provide your specific feedback to the relevant teams so we can continue to improve. ... Read more
If you’d be willing to send through a Facebook private message (http://m.me/BupaAustralia) with your membership number, full name and date of birth, along with a copy of this review, I can take it from there. Speak with you soon, CodyJust to prove my point, I contacted BUPA as requested above, but instead of getting to talk to someone on the phone (which was my main issue so someone could walk me through each of the claims and res... Read more
ponses), I was sent a LONG message on Facebook Messenger on their 'assessment' of my claims.....some didn't make sense and the rest didn't tell me anything more than I already knew. My original issue was that their communication has been SO poor when it came to claims....and their response is to respond to their customers via FB Messenger?? Are you joking! This company takes thousands of $$ off their customers each year yet they can't even give them a call when they try and claim. I have been a customer of theirs since 2006. After this experience I have swapped to GMHBA after voicing my issues to a comparison company about the customer service issues and they said that GMHBA has a good service feedback history. Also saved myself $12 a month.Kristina E.Bupa
Good afternoon,
While our Social Media team typically only communicates through digital platforms, we’d never want our members to feel that we’re not there when they need us.... Read more
It’s hard to hear that you’re leaving the Bupa family, though we’d be happy to jump into your policy and check the status of your cancellation request, ensuring no further payments are scheduled. If you’d like me to double check this, simply shoot through another Facebook private message. Here when you need, KristinaSimilar opinion? Write a review on ProductReview.com.au!
Kelly JGreater Melbourne (Outer), VIC
Loyalty Costs You Money
I have been a member for 27 years, through child birth, multiple operations, the works. I have always had top hospital cover and extras and as the years have gone by, the benefits have become almost non-existent. Gone are the days of being covered no matter who your doctor was, or which hospital you were in. It's difficult to find a preferred provider, and even harder to find one that doesn't charge well over what Bupa will cover as most don't like dealing with them. Now that my son is turning 21, we need a policy change, and it has been a nigh...Read more
tmare. I was quoted one price, then called back to confirm and was told they will not be honouring the price I was given 2 days earlier as that representative must have made a mistake. They even checked the recorded call to ensure what I said was fact. It's $20 difference, however that $20 makes a lot more difference to me than it does to them. Was basically told too bad, and to deal with it. I'll be dealing with it by taking my business elsewhere. Long over due and have so far found 3 options for less that have better extras by far.1 comment
Cody A.Bupa
Good afternoon, Kelly.
We understand that finances are tight for many of our members, especially during the COVID-19 crisis this year. If there’s been an error with a quote, we’re unable to honour t... Read more
he premium quoted due to many governing factors, especially if we’ve rectified this before making the change. We’re always looking for ways to improve though, and this feedback has been provided to the relevant teams.Similar opinion? Write a review on ProductReview.com.au!
Tdgs2AU
- 6 reviews
- 5 likes
Greed, dishonesty and horrible customer service is what defines Bupa
Bupa inaccurately quoted me the amount they would cover for a dental treatment and I ended up being liable for a larger gap payment than expected. This is while I'm unemployed due to covid.
I then couldn't go through with another appointment to treat severe back pain -again because of Bupa's false estimates. I found this out while at the appointment and had to cancel and leave because I wouldn't be to afford the gap payment.
I spent over an hour and half on the phone with three different people trying to resolve this. I even got hung up on an...Read more
d had to call back and wait on hold again. Their wait times are ridiculous. After that I decided to cancel my policy with and look for another provider. Forget bupa and their greed. If a company can't provide an acceptable level of service and look after a customer of five years, then it's time to move on and find an alternative. It's as simple as that.1 comment
Viv Y.Bupa
Hey there,
The last thing we’d want is for customers to be hit with an unexpected gap, especially if we’ve had the opportunity to chat about your benefits beforehand. What you’ve explained sounds con... Read more
cerning, and while I understand you’re no longer with us, I’d still like the opportunity to send feedback about your experience.Similar opinion? Write a review on ProductReview.com.au!
angry customerPerth, WA
worst insurance company i’ve had.
our family has overseas student health cover from Buba in Australia. In my experience 99% of doctors and medical centers don’t partner with Buba as they state “it is hard to get money back from them”. My latest of many bad experiences was today as I called Buba customer service to ask for a doctor in Perth where they do bulk billing. They looked up a place and sent me over, turned out they were closed on Sundays and their walk in office told me they don’t accept Buba. this was a 20 minute drive from my home.
I called the customer service again,...Read more
1 comment
Viv Y.Bupa
Good afternoon,
I understand how frustrating it must’ve been for you to have make multiple trips to see a doctor. While there are bulk-billing GPs for student policies (click here: https://www.bupa.... Read more
com.au/health-insurance/oshc/members-help-guide/find-a-doctor), we still recommend to check in with them regarding their fees. If you’ve been to a doctor listed on our website, and they’ve let you know they’re not bulk billing, I’m keen to look into this further and get the details updated.Similar opinion? Write a review on ProductReview.com.au!
Find out how Bupa Health Insurance compares to other Health Insurance
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L. AshardVictoria
Dont waste your money, go elsewhere
Lodged claims over 2 months ago, still waiting for someone to call me and explain why they aren't paid. I've made 7 phone calls and sent 3 emails. Cancelling after 15 years, going to another insurer. I called yesterday to say I wanted to cancel, after being on hold for 20 minutes they hung up and didn't bother calling me back. You've lost my business and yes I still expect to be paid the claims! Bupa have terrible customer service!
2 comments
Viv Y.Bupa
Hey L,
I can appreciate your disappointment as it sounds like you’ve not had the clarity you were hoping for. While I’ve already replied to your ticket, I’d like to take this opportunity to let you know once more that we can look into this further.... Read more
To get the ball rolling, you’ll need to send a Facebook private message (http://m.me/BupaAustralia) with the details of your review, along with your membership number, full name and date of birth. Here to help, VivDone
Similar opinion? Write a review on ProductReview.com.au!
Time to look elsewhere.
I just looked at my premium from 2014 which was $175.58 per month for a single, and now they tell me it’s going to $264.43 per month. Oh and in this time I’ve increase my excess from zero to $500 per year otherwise it would be way more. So not only do they get $500 per year, but that is an average increase across 7 yrs of 7.29% per annum. Or if like me you claim each year in hospital 10.16% increase. Absolute joke. Oh an then they go about giving all their discounts to 3rd rate dentists at the idea they are reducing costs. Something investigated by the ACCC to have been shown to increase competition. Until now they are opening their own BUPA brand stores. Time to wake up on this company.
1 comment
Viv Y.Bupa
Hi Ryan,
We appreciate that nobody looks forward to the yearly premium adjustments for the Health Insurance industry. While this is case, we need to make sure our products stay sustainable so we’re a... Read more
ble to continue paying claims for our customers. Each level of cover is reviewed individually, and you’ll find that they may be higher or lower than the average for that particular year.Similar opinion? Write a review on ProductReview.com.au!
Jonny bravoPerth, WA
- 20 reviews
- 34 likes
Money making machine
Bupa is an “insurance company”. In 2020 this means they will use every trick in the book to have that money only flowing one way....after all Bupa needs this massive amount of money to fund their multi million dollar advertising campaign that never ends,flooding prime time tv with their “we care “ ads. Advertising is not cheap and continuously increase in price ....just like your premiums. Essentially they are self perpetuating parasites that are highly skilled in the art of making money and even better at making excuses.
2 comments
Jordan B.Bupa
Hey Jonny,
As a health and care partner, it’s important to us that we’re there for our members when they need us most. It’s never an easy decision to adjust premiums, and the upcoming change takes in... Read more
to account rising medical costs along with Australia’s aging population, ensuring we can provide a high standard of care for our members for many years to come.Your reply proves one of two things, you don’t listen or you do listen but choose give the contradictory advertising budget subject a wide birth.either way a typical reply from a foot soldier, wonder when we’ll hear the generals talk??
Similar opinion? Write a review on ProductReview.com.au!
CustomerGreater Melbourne (Inner), VIC
- 12 reviews
- 13 likes
Too expensive
I was a member of bupa for many years from HBA to the name change, I found the older I got the more expensive they got, it got to the point they were unaffordable which it seems done deliberately, they prefer young healthy people so they raise their prices so high when you get older that you have no choice but to cancel your membership which is what happened to me. Very angry that I have to use the public system now which is stretched to breaking point thanks to bupa and other health insurance companies like them.
1 comment
Viv Y.Bupa
Good afternoon,
We understand that it can be hard to balance costs, though affordability is a challenge for the entire system. The premium increases are driven by many complex factors, from an ageing... Read more
population to new services that give Australians access to world class medical care. We’ll always continue to find ways to give back to our customers, while keeping our products sustainable.Similar opinion? Write a review on ProductReview.com.au!
Worst Service
I'm in the highest premium cover with Bupa and I've been a customer since 2015. I recently had a surgery after checking with Bupa and confirming there will be no out of pocket costs when I claimed my expenses they only cover 3% of my total cost! When I called the agent has been extremely rude to me, yelled at me at the phone. The worst service I've ever seen, don't sign up with them don't do this mistake!
2 comments
Viv Y.Bupa
Hey Gizem,
We’d never want our members to feel they’ve been caught unawares with fees, especially after having spoken to us. What you’ve raised is concerning to hear, and I’d like the opportunity to ... Read more
look into this further and send feedback for coaching opportunities where appropriate.Thanks Viv, I've sent a private message now.
Similar opinion? Write a review on ProductReview.com.au!
Questions & Answers
rumjasked
2 years no claims. Visit doctor, card doesn’t work. Called phone help. On hold for 15 minutes. The agent picked up, and while talking said “can’t hear” and cut me off! Had to call back, wait again and this time Agent said (quite incorrectly) I hadn’t paid. Had paid on time before the deadline. She said we need to pay 3 days ahead at least.
2 answers
That's typical of Bupa. I am now trying to move my son's cover out of Bupa
Viv Y.Bupa
Good afternoon, Rumj.
It sounds like it’s been a bit of a bumpy ride, so I’m keen to run through everything with you, and send feedback about your experience to the right teams. To get the ball rolling, please shoot me a private message on Facebook (http://m.me/BupaAustralia) with your membership number, full name and date of birth. From there, I’ll be able to give you a hand.
Hope to speak soon,
Viv
Regan H.asked
How much cost for baby delivery? I want to open an insurance for my wife, for my wife delivery.
2 answers
Does she meet the 12 month waiting period requirement?
Ryan K.Bupa
Good afternoon, Regan.
I’d recommend speaking with our Cover Start team, as they’ll be able to match you up with the right cover for your needs. You can reach them between 8am and 8pm – Monday to Friday on 134 135. Alternatively, you can send me through a private message on Facebook (http://m.me/BupaAustralia) with your best contact number, and I’ll get them to give you a ring.
Here to help,
Ryan
Belinda W.asked
If I have Ultimate health cover and see a Counsellor/Psychotherapist who charges $120 per hour what is the approximate rebate I would receive back? I am trying to decide if I will go a see this counsellor as she is highly recommended but I need to know how much I will be out of pocket
2 answers
Why ask the public?
Ryan K.Bupa
Hi Belinda,
I’ll be happy to handle your question about your psychology coverage, but I’ll just need a little more information to check what you’ll get back.
Please send me through a Facebook private message (http://m.me/BupaAustralia) with your full name, date of birth and membership number, and I’ll take it from there.
Here if you need,
Ryan
Details
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|---|---|
| Other Insurance Types Offered | Car, Home and Contents, Landlord, Pet and Travel |
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Ryan K.Bupa
Hi Nicole,
Unexpected out of pockets are the last thing you want, and especially if you were informed otherwise, so I’d certainly be able to look into this further for you.... Read more
If you’re willing, send us a private message on Facebook (http://m.me/BupaAustralia) with a little more information about your admission, as well as your full name, date of birth and membership number, and I’ll take it from there. Here to help, Ryan