Bupa OSHCvs.Medibank OSHC

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.