Is Medibank better than Bupa? in 2025

Insurance Provider Comparison

Compare different insurance providers and their features

Feature	Medibank$1,319.00	Bupa$1,405.00
Why Buy with Us?	Latest Offer	Latest Offer
Meets government requirements
Medibank Bupa
Apply directly on this website
Medibank Bupa
Accommodation
Medibank Bupa
Accident and Emergency Services	All hospitals	Public and Agreement only
Medibank All hospitals Bupa Public and Agreement only
Outpatient and Postoperative
Medibank Bupa
Doctor Services	100% of MBS	100% of MBS
Medibank 100% of MBS Bupa 100% of MBS
Standard GP Consultation	100% of MBS	100% of MBS
Medibank 100% of MBS Bupa 100% of MBS
Telehealth	100% of MBS	100% of MBS
Medibank 100% of MBS Bupa 100% of MBS
Specialists	85% of MBS	100% of MBS
Medibank 85% of MBS Bupa 100% of MBS
Pathology and X-rays	85% of MBS	100% of MBS
Medibank 85% of MBS Bupa 100% of MBS
Emergency ambulance services
Medibank Bupa
Surgically implanted prosthesis
Medibank Bupa
Prescription Medicines	$70 item limit $30 co-payment $500 person limit pa $1000 family limit pa	$50 item limit $30 co-payment $500 person limit pa $1000 family limit pa
Medibank $70 item limit $30 co-payment $500 person limit pa $1000 family limit pa Bupa $50 item limit $30 co-payment $500 person limit pa $1000 family limit pa
Pre-existing Psychiatric	0 Months	2 Months (waived)
Medibank 0 Months Bupa 2 Months (waived)
Pre-existing Conditions	12 Months	12 Months
Medibank 12 Months Bupa 12 Months
Obstetrics	12 Months	12 Months
Medibank 12 Months Bupa 12 Months
Refund Policy	limited fees may apply	no fees
Medibank limited fees may apply Bupa no fees
Support Services	24-hr health and emergency support line	24-hr student health and support line
Medibank 24-hr health and emergency support line Bupa 24-hr student health and support line
Policy Document
Buy Now	Buy Now	Buy Now