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FLEXtras 4 Higher 50

A Extras-only product from Bupa. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

Services covered (22)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 50% of the fee Scale and clean (114): 50% of the fee Fluoride (121): 50% of the fee Extraction (322): 50% of the fee	$750 a year
Major dental	12 months	Full crown, veneered (615): 50% of the fee	$750 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 50% of the fee	$750 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 50% of the fee	$800 a year
Glasses and contact lenses	2 months	Single vision lenses and frames: 50% of the fee Multifocal lenses and frames: 50% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 50% of the fee	$400 a year
Physiotherapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$500 a year
Chiropractic	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$500 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$500 a yearShared with Orthotics
Psychology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$400 a year
Acupuncture	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$150 a year
Remedial massage	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$225 a year
Antenatal and postnatal care	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$350 a year
Chinese herbal medicine	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$150 a year
Dietetics	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a year
Exercise physiology	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$350 a year
Orthoptics	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a year
Home nursing	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$350 a year
Occupational therapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a year
Orthotics	12 months	Per pair of orthotics: 50% of the fee	$500 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$500 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 50% of the fee Subsequent visit: 50% of the fee	$300 a year

Not covered: Hearing aids, Audiology (hearing tests), Vaccinations, Blood glucose monitors, Health management programs

Annual limits

Services in the same group share one limit.

General dental
$750 a year
Major dental, Root canal (endodontics)
$750 a year
Orthodontics (braces)
$800 a year, $1,600 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines
$400 a year
Physiotherapy
$500 a year
Chiropractic, Osteopathy
$500 a year
Podiatry, Orthotics
$500 a year
Psychology
$400 a year
Acupuncture
$150 a year
Remedial massage
$225 a year
Antenatal and postnatal care
$350 a year
Chinese herbal medicine
$150 a year
Dietetics
$300 a year
Exercise physiology
$350 a year
Orthoptics
$300 a year
Home nursing
$350 a year
Occupational therapy
$300 a year
Speech therapy
$300 a year

Insurer's notes (original English)

Product features

Customers can choose either a standard or higher limit and have the freedom to flex between the two at any time, standard waiting periods apply for each of your selected services before the increased limit is effective. Plus, the flexibility to swap service selections as needed if you haven’t claimed that service in the calendar year. Waiting periods and fund rules apply.

Other services

If Travel and Accommodation service is selected, you will receive 50% (FLEXtras 50) or 60% (FLEXtras 60) back up to $100 per person per year for travel expenses and up to $150 per person per year for accommodation expenses. Where applicable, benefits are paid under Hospital cover only (you cannot claim under both Hospital and Extras for the same trip). 2-months waiting period and eligibility criteria apply.

Special features

Choose any four services marked with an asterisk* (Major Dental and Endodontic count as one selection, Chiropractic and Osteopathy count as one selection, Podiatry and Foot Orthotics count as one selection, Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), Counselling (including Indigenous Counselling) and counts as one selection). Pharmacy benefit paid after deduction of the PBS co-payment. Home nursing covers selected services. Dentures, once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121, once every 6 months. Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice.

Frequently asked questions

How much does FLEXtras 4 Higher 50 pay for a scale and clean?

According to government data, FLEXtras 4 Higher 50 pays 50% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $750 a year.

What are the waiting periods for FLEXtras 4 Higher 50?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 2 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Home nursing 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months.

Can FLEXtras 4 Higher 50 be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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