Comparaison d'assurances 2026
Bupa OSHCvs.Medibank OSHC
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour mars 2026✓ Comparaison indépendante
| Caractéristique | Best CoverageBupa OSHCVoir détails | Medibank OSHCVoir détails |
|---|---|---|
| Tarifs | ||
| Tarif mensuel (individuel) | ~AUD 63 | ~AUD 64 |
| Tarif annuel (individuel) | AUD 760 | AUD 769 |
| Couple (annuel) | AUD 5,026 | AUD 4,856 |
| Famille (annuel) | AUD 11,500 | AUD 11,163 |
| Soins ambulatoires | ||
| Médecin généraliste% of Medicare Benefits Schedule | 100% MBS | 100% MBS |
| Couverture spécialistes | 100% MBS | 85% MBS |
| Analyses & radiologie | 100% MBS | 85% MBS |
| Hospitalisation | ||
| Urgences (A&E)Which hospitals covered | Public/agreement only | All hospitals |
| Ambulance | ||
| Médicaments | ||
| Limite par médicamentPer prescription item | AUD 50/item | AUD 70/item |
| Plafond annuel médicaments | AUD 500/yr | AUD 500/yr |
| Délais de carence | ||
| Santé mentale (préexistante) | Waived | None |
| Affections préexistantes | 12 months | 12 months |
| Obstétrique | 12 months | 12 months |
| Options & numérique | ||
| Médecin en ligne | Blua (free) | No |
| Options dentaire/optiqueOptional add-on cover | Optional add-on (dental, optical) | Not available |
| Portail remboursements | Online + App | Online + App |
| Réseau hospitalier | Wide network — many uni partnerships | Largest hospital network |
| VisiterBupa OSHC → | VisiterMedibank OSHC → | |
Medibank OSHCVoir détails
Tarifs
Tarif mensuel (individuel)
~AUD 63
~AUD 64
Tarif annuel (individuel)
AUD 760
AUD 769
Couple (annuel)
AUD 5,026
AUD 4,856
Famille (annuel)
AUD 11,500
AUD 11,163
Soins ambulatoires
Médecin généraliste
% of Medicare Benefits Schedule
100% MBS
100% MBS
Couverture spécialistes
100% MBS
85% MBS
Analyses & radiologie
100% MBS
85% MBS
Hospitalisation
Urgences (A&E)
Which hospitals covered
Public/agreement only
All hospitals
Ambulance
Médicaments
Limite par médicament
Per prescription item
AUD 50/item
AUD 70/item
Plafond annuel médicaments
AUD 500/yr
AUD 500/yr
Délais de carence
Santé mentale (préexistante)
Waived
None
Affections préexistantes
12 months
12 months
Obstétrique
12 months
12 months
Options & numérique
Médecin en ligne
Blua (free)
No
Options dentaire/optique
Optional add-on cover
Optional add-on (dental, optical)
Not available
Portail remboursements
Online + App
Online + App
Réseau hospitalier
Wide network — many uni partnerships
Largest hospital network
FAQ
Questions fréquemment posées
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.
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