Hospital + ExtrasClosed

HealthSmart $250 Excess - Silver Plus

A Hospital + Extras 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

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (19)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	NSW / ACT Periodic exam (012): $29.15 Scale and clean (114): $63.20 Fluoride (121): $16.50 Extraction (322): $92.35 VIC Periodic exam (012): $24.20 Scale and clean (114): $58.30 Fluoride (121): $16 Extraction (322): $83.35 QLD Periodic exam (012): $24.20 Scale and clean (114): $53.40 Fluoride (121): $12.50 Extraction (322): $73 WA Periodic exam (012): $30.25 Scale and clean (114): $58.30 Fluoride (121): $16 Extraction (322): $100 SA Periodic exam (012): $28.60 Scale and clean (114): $59.95 Fluoride (121): $16 Extraction (322): $69.15 TAS Periodic exam (012): $27.50 Scale and clean (114): $58.30 Fluoride (121): $16 Extraction (322): $93.60 NT Periodic exam (012): $26.40 Scale and clean (114): $59.40 Fluoride (121): $13 Extraction (322): $85.80	$300 a year
Major dental	12 months	NSW / ACT, QLD Full crown, veneered (615): $635 VIC Full crown, veneered (615): $576 WA Full crown, veneered (615): $590 SA Full crown, veneered (615): $505.90 TAS Full crown, veneered (615): $570 NT Full crown, veneered (615): $620	$800 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT, QLD Root canal obturation (417): $130 VIC, SA Root canal obturation (417): $96 WA Root canal obturation (417): $135 TAS, NT Root canal obturation (417): $120	$800 a yearShared with Major dental
Glasses and contact lenses	2 months	NSW / ACT Single vision lenses and frames: $167.45 VIC, SA, NT Single vision lenses and frames: $180 QLD Single vision lenses and frames: $175.60 WA, TAS Single vision lenses and frames: $173.55	$180 a year
Non-PBS prescription medicines	2 months	Per prescription: 100% of the fee	$225 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $42.75 Subsequent visit: $33.55 VIC Initial visit: $39.95 Subsequent visit: $31.90 QLD Initial visit: $38.85 Subsequent visit: $31.90 WA Initial visit: $41.05 Subsequent visit: $33 SA Initial visit: $40.50 Subsequent visit: $31.90 TAS Initial visit: $39.95 Subsequent visit: $31.35 NT Initial visit: $41.05 Subsequent visit: $32.45	$350 a yearShared with Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Occupational therapy, Osteopathy
Chiropractic	2 months	NSW / ACT Initial visit: $39 Subsequent visit: $25 VIC Initial visit: $34 Subsequent visit: $24 QLD Initial visit: $32 Subsequent visit: $23 WA, SA, NT Initial visit: $35 Subsequent visit: $25 TAS Initial visit: $33 Subsequent visit: $23	$350 a yearShared with Physiotherapy, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Occupational therapy, Osteopathy
Podiatry	2 months	NSW / ACT Initial visit: $30 Subsequent visit: $26 VIC Initial visit: $32 Subsequent visit: $26 QLD, TAS Initial visit: $30 Subsequent visit: $25 WA Initial visit: $35 Subsequent visit: $27 SA Initial visit: $35 Subsequent visit: $28 NT Initial visit: $33 Subsequent visit: $28	$350 a yearShared with Physiotherapy, Chiropractic, Psychology, Antenatal and postnatal care, Dietetics, Occupational therapy, Osteopathy
Psychology	2 months	NSW / ACT, VIC Initial visit: $80.50 Subsequent visit: $71.50 QLD Initial visit: $76 Subsequent visit: $69.50 WA Initial visit: $115.50 Subsequent visit: $80.50 SA Initial visit: $98 Subsequent visit: $83.50 TAS Initial visit: $77 Subsequent visit: $69.50 NT Initial visit: $88 Subsequent visit: $72.50	$350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Antenatal and postnatal care, Dietetics, Occupational therapy, Osteopathy
Acupuncture	2 months	NSW / ACT Initial visit: $33.75 Subsequent visit: $26.25 VIC Initial visit: $32.35 Subsequent visit: $26.25 QLD Initial visit: $31.50 Subsequent visit: $26.25 WA Initial visit: $35 Subsequent visit: $27.55 SA Initial visit: $35 Subsequent visit: $26.75 TAS Initial visit: $28 Subsequent visit: $27.15 NT Initial visit: $31.50 Subsequent visit: $30	$450 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage	2 months	NSW / ACT, TAS Initial visit: $33 Subsequent visit: $31.50 VIC, QLD, WA, SA, NT Initial visit: $29 Subsequent visit: $27	$450 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Blood glucose monitors	12 months	NSW / ACT Blood glucose monitor: $131.25 VIC Blood glucose monitor: $120.10 QLD Blood glucose monitor: $123.75 WA Blood glucose monitor: $101.25 SA Blood glucose monitor: $121.30 TAS Blood glucose monitor: $115.20 NT Blood glucose monitor: $132.30	$750 a year
Antenatal and postnatal care	2 months	NSW / ACT Initial visit: $17.50 Subsequent visit: $17.50 VIC, SA, TAS Initial visit: $28 Subsequent visit: $28 QLD, NT Initial visit: $29.55 Subsequent visit: $29.55 WA Initial visit: $31.50 Subsequent visit: $31.50	$350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Dietetics, Occupational therapy, Osteopathy
Chinese herbal medicine	2 months	Initial visit: $22.50 Subsequent visit: $22.50	$450 a yearShared with Acupuncture, Remedial massage, Exercise physiology
Dietetics	2 months	NSW / ACT, NT Initial visit: $50 Subsequent visit: $26 VIC Initial visit: $48 Subsequent visit: $26 QLD Initial visit: $50 Subsequent visit: $25 WA Initial visit: $52 Subsequent visit: $26 SA Initial visit: $52 Subsequent visit: $27 TAS Initial visit: $45 Subsequent visit: $26	$350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Occupational therapy, Osteopathy
Exercise physiology	2 months	Initial visit: $31.50 Subsequent visit: $27	$450 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Health management programs	6 months	Health management program: 50% of the fee	$100 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $112 Subsequent visit: $63 VIC Initial visit: $90 Subsequent visit: $69.50 QLD Initial visit: $100.50 Subsequent visit: $69.50 WA Initial visit: $103.50 Subsequent visit: $56 SA Initial visit: $112 Subsequent visit: $86.50 TAS Initial visit: $88.50 Subsequent visit: $52.50 NT Initial visit: $95 Subsequent visit: $63	$350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Osteopathy
Osteopathy	2 months	NSW / ACT Initial visit: $49 Subsequent visit: $45.50 VIC Initial visit: $45 Subsequent visit: $38.50 QLD Initial visit: $43 Subsequent visit: $38.50 WA Initial visit: $40 Subsequent visit: $34 SA Initial visit: $50 Subsequent visit: $34 TAS Initial visit: $40.50 Subsequent visit: $32.50 NT Initial visit: $43 Subsequent visit: $39.50	$350 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Occupational therapy

Not covered: Orthodontics (braces), Orthoptics, Hearing aids, Audiology (hearing tests), Orthotics, Speech therapy, Vaccinations, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$300 a year
Major dental, Root canal (endodontics)
$800 a year
Glasses and contact lenses
$180 a year
Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Occupational therapy, Osteopathy
$350 a year, $200 per service
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology
$450 a year, $150 per service
Also includes other services not listed
Blood glucose monitors
$750 a year, 1 per year
Also includes other services not listed
Health management programs
$100 a year
Non-PBS prescription medicines
$225 a year

Insurer's notes (original English)

Product features

When requiring urgent hospital treatment as the result of an accident, the Accident Benefit can boost extras limits (subject to eligibility criteria).

Other services

Includes access to Blua Online Doctor Appointments. We pay 100% of the cost for eligible consults only, up to a yearly limit of 3 services per person. Benefits are not payable for services listed on the Medicare Benefits Schedule (MBS). 2-months waiting period, eligibility criteria, terms and conditions apply. Mental health includes Psychology, Digital Mental Health, Social Work (psychological therapies), and Counselling (including Indigenous Counselling). Sub-limits may apply. Blood glucose monitors, and other health aids, are payable under the Health Appliances category up to $750 per year. Sub-limits and restrictions apply.

Special features

Ante/Post-natal consultations and courses including lactation consultations, with a Bupa recognised provider in private practice. Dietary covers consultations only. Blood glucose monitors are payable once per year. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Claims for preventative treatment (012,121,114) do not reduce yearly limit. Pharmacy benefit paid after current PBS patient contribution deducted.

Frequently asked questions

How much does HealthSmart $250 Excess - Silver Plus pay for a scale and clean?

According to government data, HealthSmart $250 Excess - Silver Plus pays up to $63.20 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $300 a year.

What are the waiting periods for HealthSmart $250 Excess - Silver Plus?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 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, Blood glucose monitors 12 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Health management programs 6 months, Occupational therapy 2 months, Osteopathy 2 months.

Can HealthSmart $250 Excess - Silver Plus be bought on its own?

This product combines hospital and Extras in one policy, with Silver Plus hospital cover.

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