Comparación de seguros 2026
Bupa OSHCvs.Medibank OSHC
Una comparación independiente de prestaciones, costes y detalles de cobertura.
✓ Basado en documentos oficiales de pólizas✓ Actualizado marzo de 2026✓ Comparación independiente
| Característica | Best CoverageBupa OSHCVer detalles | Medibank OSHCVer detalles |
|---|---|---|
| Precios | ||
| Precio mensual (individual) | ~AUD 63 | ~AUD 64 |
| Precio anual (individual) | AUD 760 | AUD 769 |
| Pareja (anual) | AUD 5,026 | AUD 4,856 |
| Familia (anual) | AUD 11,500 | AUD 11,163 |
| Atención ambulatoria | ||
| Médico general% of Medicare Benefits Schedule | 100% MBS | 100% MBS |
| Atención especializada | 100% MBS | 85% MBS |
| Análisis y radiografías | 100% MBS | 85% MBS |
| Hospitalización | ||
| Urgencias (A&E)Which hospitals covered | Public/agreement only | All hospitals |
| Ambulancia | ||
| Medicamentos | ||
| Límite por medicamentoPer prescription item | AUD 50/item | AUD 70/item |
| Tope anual de medicamentos | AUD 500/yr | AUD 500/yr |
| Periodos de carencia | ||
| Salud mental (preexistente) | Waived | None |
| Enfermedades preexistentes | 12 months | 12 months |
| Obstetricia | 12 months | 12 months |
| Extras y digital | ||
| Médico online | Blua (free) | No |
| Extras dental/ópticaOptional add-on cover | Optional add-on (dental, optical) | Not available |
| Portal de reembolsos | Online + App | Online + App |
| Red de hospitales | Wide network — many uni partnerships | Largest hospital network |
| VisitarBupa OSHC → | VisitarMedibank OSHC → | |
Medibank OSHCVer detalles
Precios
Precio mensual (individual)
~AUD 63
~AUD 64
Precio anual (individual)
AUD 760
AUD 769
Pareja (anual)
AUD 5,026
AUD 4,856
Familia (anual)
AUD 11,500
AUD 11,163
Atención ambulatoria
Médico general
% of Medicare Benefits Schedule
100% MBS
100% MBS
Atención especializada
100% MBS
85% MBS
Análisis y radiografías
100% MBS
85% MBS
Hospitalización
Urgencias (A&E)
Which hospitals covered
Public/agreement only
All hospitals
Ambulancia
Medicamentos
Límite por medicamento
Per prescription item
AUD 50/item
AUD 70/item
Tope anual de medicamentos
AUD 500/yr
AUD 500/yr
Periodos de carencia
Salud mental (preexistente)
Waived
None
Enfermedades preexistentes
12 months
12 months
Obstetricia
12 months
12 months
Extras y digital
Médico online
Blua (free)
No
Extras dental/óptica
Optional add-on cover
Optional add-on (dental, optical)
Not available
Portal de reembolsos
Online + App
Online + App
Red de hospitales
Wide network — many uni partnerships
Largest hospital network
FAQ
Preguntas frecuentes
Bupa is the ONLY OSHC provider offering optional extras cover. You can add dental (checkups, fillings, extractions), optical (eye exams, glasses, contacts), and physiotherapy to your base OSHC policy for an additional premium.
Bupa covers specialist consultations and pathology at 100% of the Medicare Benefits Schedule (MBS), while all other OSHC providers only cover 85%. This means lower out-of-pocket costs when seeing specialists.
Blua is Bupa's free online doctor service available to all OSHC members. You can consult a doctor via video call through the Blua app — no appointment needed. It's especially useful for minor health issues.
Yes, Bupa has waived the standard 2-month mental health waiting period for pre-existing conditions until further notice. This means immediate access to mental health services from day one.
Bupa offers the most comprehensive OSHC with 100% specialist cover, free online doctor, extras availability, and waived mental health wait. At AUD 760/year (AUD 63/month), it's only AUD 137 more than the cheapest option (ahm) per year.
Medibank covers up to AUD 70 per prescription item, while all other OSHC providers cap at AUD 50. This means lower out-of-pocket costs for expensive medications.
Medibank (and ahm) cover emergency treatment at all hospitals — public and private. Other providers only cover public hospitals or those with prior agreements, which could matter in emergencies.
No, Medibank has no waiting period for mental health services. You can access psychiatric and psychological care from day one of your coverage.
¿Encontraste tu mejor plan?
Compara más planes o solicita directamente — cobertura en minutos.