Bupa

 price match policy – how to get the best deal

Bupa doesn’t offer a blanket price match on health insurance premiums, largely due to government regulations that cap discounting. Instead, Bupa takes a “value match” approach.

For health insurance, this means Bupa may respond to competitor deals (like 6 weeks free or loyalty bonuses) by offering its own promotions (e.g., extra free weeks, gift cards, or retention incentives). Rather than directly lowering your premium, Bupa competes by matching the overall benefit.

For hearing aids, Bupa does have a formal Price Match Guarantee (via its partnership with Amplifon). If you find the exact same hearing aid model cheaper at another Australian clinic, Bupa will match that price - no undercutting needed, just a fair deal with added Bupa service benefits.

So whether you’re switching health insurers or buying a hearing device, Bupa’s focus is: comparable value, not just price.

Health Insurance (Informal Retention Offers):

• Contact Bupa’s support team by phone (134 135) or in-store.
  
  
• Mention the competitor offer (e.g., “Qantas Health is offering 6 weeks free”).
  
  
• Ask: “Is there anything Bupa can do to match that value?”
  
  
• Bupa may offer retention perks like bonus free weeks, credits, or discounts - especially for long-term members or families.
  
  

Hearing Aids (Formal Price Match):

1. Obtain a written quote from an Australian audiology clinic for the same hearing aid model (dated within 30 days).
   
   
2. Visit a Bupa Optical & Hearing or Amplifon clinic, or call ahead.
   
   
3. Provide the quote for verification.
   
   
4. Once confirmed, Bupa will match the price, giving you the best deal plus their trusted aftercare services.
   
   

For both cases, there’s no special form. You just need to ask. And timing helps: Bupa is especially responsive around premium increase season.

For Health Insurance:

• Recognised competitors include Medibank, HCF, NIB, HBF, Australian Unity, ahm, Qantas Health, and others.
  
  
• Just reference publicly available offers (e.g., “Medibank is giving 5% off for direct debit”).
  
  
• You can also forward emails or quotes from competitors to help Bupa assess.
  
  

For Hearing Aids:

• Accepted competitors include Specsavers Audiology, Hearing Australia, Bay Audio, and other local clinics.
  
  
• You’ll need a dated written quote for the identical model.
  
  
• Online-only stores or international sellers won’t be accepted.
  
  

Bupa will verify everything, so keep it transparent and make sure it’s a true like-for-like match.

• ❌ No direct undercutting of premiums: Regulated pricing means Bupa can’t just slash your rate.
  
  
• ❌ Non-equivalent cover: If a competitor’s policy includes less, Bupa may not match.
  
  
• ❌ Intro offers for new customers: Existing members might not get the same deal, but Bupa may offer partial incentives.
  
  
• ❌ Hearing aid quotes from online-only sellers are excluded.
  
  
• ❌ Can’t stack promotions: You choose between Bupa’s public deal or a custom retention offer.
  
  
• ❌ Only one offer per purchase: You can’t combine multiple quotes for a bigger discount.
  
  
• ❌ Time-bound quotes: Hearing aid quotes must be within 30 days and presented before purchase.
  

Bupa’s approach is grounded in fairness and regulation compliance. They’ll do what they can, but won’t bend the rules.