Bupa Reviews 

Terrible experience with communication and getting in contact also

Terrible experience with Bupa. Despite paying $414/month, not a single claim was ever resolved and we never received a single dollar back. All claims kept dragging on with endless requests for documents. After multiple visits and emails, nothing was fixed. Now, even after cancelling, they are asking for another “authority form” saying the one provided has expired. Bupa are money suckers – unprofessional, frustrating, and a complete waste of money. Never recommend this worst insurer.

I recently spoke to Jodie at BUPA who helped me organise my private health care and talked me through everything I needed to do. Jodie could not have been more helpful, kind, understanding, patient and professional. I was feeling so exhausted and fed up and it made all the difference in the world. Thank you.

Awful customer service - avoid at all costs. They made it extremely difficult to contact them to cancel my membership. After this, they still did not cancel it properly and have continued to bill me. I had to contact them again (again taking a long time) to ask for my money back. I have still only received a partial refund as "the money is not coming up on their end" despite me sending screenshots from my banking app. I am still awaiting a resolution and am certain this will use up even more time. Scammers in plain sight - my next step will be the financial ombudsman as frankly I do not trust this will be resolved with Bupa alone either through incompetence or wilful negligence.

My Bupa app won’t show my usage and limits on my iPhone it’s the current version and so is my phone I’ve tried calling and wait times are ridiculous but the have no trouble taking money out every fortnight. What’s the point if I can’t view my entitlements and usages. I can’t even send a text on contact is through app as it says we are experiencing technical issues. You don’t seem to have astute I.T staff that can fix these issues with all the money you suck out of peoples bank accounts to pay for the fat cats bonuses in their private offices.

Too hard to deal with.
Doesn't keep promise

Over 20 years a customer, called a month ago as my app was saying No Policy to download!! Funny that 1- there is active account .
2- money was taken out my account that day !!

I called the female staff couldn’t help advised me IT - are very busy and it could take up to a month to get back to me still nothing ( FYI I have an iPhone -15 )

In this day and age one would think IT would get back to in in a reasonable time .

Time to kick Bupa don’t they realise that good customer service is must & loyalty .

If I can give less than 1 star, I would definitely do. I lodged a claim and heard nothing back from them. I called more than once and I stayed on hold waiting for someone to answer for more than 20 minutes and at the end, the call just ended after being on the waiting for 20 mins. I sent 3 emails and one of them I added the Complaint team email and to my surprise, no one reached out. My car has been parked for 3 days not able to use. THIS IS NO WAY THE KIND OF SERVICE YOU WOULD EXPECT FROM YOU INSURANCE. Anyway, I cancelled my policy and never going to deal with them again. No matter how cheap the quote they might give you, my advice to anyone is NEVER USE BUPA CAR INSURANCE

Disappointed by Bupa's recent DEI-focused emails, using their platform to push their woke agenda . As a health fund, your communications should prioritise healthcare services – not divisive social agendas. Many customers expect neutrality; stick to coverage updates and wellness.

I had the worst service I have ever experienced in any industry. An Indian staff member provided ambiguous answers and repeated himself. He refused to answer my questions and declined to provide the escalation email. When I questioned his explanation, he decided not to issue my refund, but Bupa should refund me!

bupa has discriminatory policy for overseas visitor. i took policy for my parents and they charged me over $650 for the month in advanced. as per their policy, first month premium is non-refundable. they hardly used the policy for first 3 days and then later we have decided to cancel. but when i called BUPA, i discovered that money is non-refundable. i am taking it back to office of ombudsman for further complain

Awful company, they don't reply to emails and each time it takes 20minutes on hold to connect to an operator on phone. Then they say I don't have any notes unfortunately let me connect you to another team and again 20 mins on hold.
You can cancel or change your plan only by this overwhelming calls which means they want to keep you there just by making you frustrated

As an international student insured by Bupa under the Overseas Student Health Cover (OSHC), I’ve had a very disappointing and frustrating experience.

I was admitted to Sunshine Hospital in April 2025 due to severe vomiting, dehydration, and loss of consciousness. I was treated with IV fluids and anti-nausea medication. Despite this, Bupa rejected my hospital claim, stating it was due to a pre-existing migraine — even though that was not the reason I sought medical attention.

To make things worse, Bupa is demanding an itemised invoice that the hospital has not provided, and I'm now being contacted by a debt collection agency (Recoveries Corp) for a bill of AUD $1,700. I’ve done my part, submitted medical documents, followed all steps, and now I’m left financially and emotionally stressed — all while Bupa continues to delay or deny support.

I’ve raised this with the Commonwealth Ombudsman, but felt it was important to share this experience publicly. International students deserve transparency, timely claims processing, and fair assessments — not additional stress during medical emergencies.

I had paid nearly £300 a month for my first year I BUPA -I didn’t have a claim during that time but towards the end of the year I rang to obtain their GP’s telephone number in my area as I had a problem… I was told I would have to pay an extra £20 for this service-I agreed I was given 4 different telephone numbers and one telephone no of a Gp an hour and half away
Not one of the numbers I was given had a Gp service except the one an hour and a half away !!
I did my own research and found a private Gp in my own city only 11/2 miles away -I opted to go to see the local Gp who told me he was registered with BUPA -but they had never sent anyone to him since he had been registered with them ….. it turned out to be an ulcer behind my knee -I paid to see the private Gp and subsequent visits costing me in all over £400
When it was all cleared up I approached BUPA FOR THEM TO RETURN MY PAYMENTS -which they refused to do — they offered me £50 in compensation which I refused- I sent them a number of emails but they wouldn’t accept responsibility…… therefore I haven’t rejoined

Totally disdainful and unhelpful.
Made a claim online and still no result and unhelpful staff.
Changed funds immediately after this contact. Never have received such poor service from other health funds.
The worst health fund that I've deLt with.

It was very difficult to get Bupa to pay a claim i was entitled to. When I went to relodge or dispute I would often go around in circles and need to relodge the same claim multiple times before they would honour the claim. On multiple occasions they would close the claim without responding to the dispute because I hadn't responded while waiting for bupa to reply in less than 24 hours.

Abysmal customer service. Bupa transferred my limits from my past health insurer incorrectly (they did both 2024 and 2025 claims), leading me to incorrectly exceed my limits for the years. It took multiple phone calls, multiple following up on chats that either a) weren’t answered and b) with agents that didn’t read my message properly so giving me answers completely irrelevant to my problem. I ended up having to repeatedly contact Bupa to get it fixed where I was told I would receive an email, but in the end I was just randomly issued a $50 Bupa Optical voucher as their announcement of having fixed the issue and as a apology. If you have a question about literally anything to do with your insurance or extra limits, expect the chat to be useless at answers and never read or answer the question properly. The post chat survey also seems to purposely time out extremely shortly after the agent ends the chat so you can’t give your feedback. Joke

20/05/2025 I was waiting for 1hour+ on the phone. I asked the operator 12%discount and $100 gift voucher that was offered to my friend over the phone. Then the operator said this is not her department, she would transfer me to the relevant department. Then the line dropped out.

17/06/2025: I tried again through the APP via 'Message Us'. waiting for half hour on 17th June 2025. Type to the first operator whose name was Pauline with my enquiry. After half hour+, no news. Then got switched to Alicia, I types the same enquiry. Same thing no news. Then I got switched to Jo, finally someone sensible is able to look into my cover. I was on the app since 12:06pm to 3:03pm to have this resolved.

Does BUPA have the worst customer service of any company in recent times? Yes. That would be yes.

Almost impossible to get help, and the hospital and extras packages are inadequate. Be sure to read the Ts and Cs carefully before signing on with this group. Finally getting out; the dental extras forces you to use their providers or pay almost the full price.