Bupa OSHC Standard: coverage and exclusions
Last updated: May 6, 2026
Bupa OSHC Standard coverage breakdown: hospital, doctors, pharmacy, ambulance. 12-month waiting on pre-existing and pregnancy. Excludes experimental, cosmetic, and unapproved procedures. Optional OSHC Extras add-on.
Bupa OSHC Standard is the entry-level Australian visa-compliant OSHC policy.
What's covered
OSHC Extras (supplemental)
Optional add-on plan covering extra services with annual visit limits:
- Dental check-ups, physio, chiro, podiatry.
- No out-of-pocket up to annual cap.
Waiting periods
Not covered
- Procedures not approved by the Medical Services Advisory Committee.
- Procedures not recognized by Medicare.
- Experimental treatments.
- Respite care.
- Elective cosmetic surgery.