Hospital + ExtrasClosed

HealthSmart 70 $500 Excess - Gold

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 (24)

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): $92.65 VIC Periodic exam (012): $24.20 Scale and clean (114): $58.30 Fluoride (121): $16 Extraction (322): $83.70 QLD Periodic exam (012): $24.20 Scale and clean (114): $53.40 Fluoride (121): $12.50 Extraction (322): $73.25 WA Periodic exam (012): $30.25 Scale and clean (114): $58.30 Fluoride (121): $16 Extraction (322): $100.35 SA Periodic exam (012): $28.60 Scale and clean (114): $60.50 Fluoride (121): $16 Extraction (322): $69.40 TAS Periodic exam (012): $27.50 Scale and clean (114): $58.30 Fluoride (121): $16 Extraction (322): $93.90 NT Periodic exam (012): $26.95 Scale and clean (114): $59.40 Fluoride (121): $12.50 Extraction (322): $86.10	$500 a year
Major dental	12 months	Full crown, veneered (615): $300	$300 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	NSW / ACT, QLD Root canal obturation (417): $130 VIC Root canal obturation (417): $96.35 WA Root canal obturation (417): $135 SA Root canal obturation (417): $96.30 TAS, NT Root canal obturation (417): $120	$300 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$1,000 a year
Glasses and contact lenses	2 months	NSW / ACT Single vision lenses and frames: $144.40 VIC Single vision lenses and frames: $160.25 QLD Single vision lenses and frames: $151.55 WA, TAS Single vision lenses and frames: $149.50 SA Single vision lenses and frames: $171.50 NT Single vision lenses and frames: $159.20	$200 a year
Non-PBS prescription medicines	2 months	Per prescription: $50	$300 a year
Physiotherapy	2 months	NSW / ACT Initial visit: $39.40 Subsequent visit: $30.80 VIC Initial visit: $36.65 Subsequent visit: $29.15 QLD Initial visit: $36.10 Subsequent visit: $29.15 WA Initial visit: $38.30 Subsequent visit: $30.80 SA Initial visit: $37.20 Subsequent visit: $29.70 TAS Initial visit: $36.65 Subsequent visit: $28.60 NT Initial visit: $37.75 Subsequent visit: $29.70	$300 a yearShared with Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
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	$300 a yearShared with Physiotherapy, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Podiatry	2 months	NSW / ACT Initial visit: $25.50 Subsequent visit: $23 VIC Initial visit: $27.10 Subsequent visit: $24.50 QLD Initial visit: $23.90 Subsequent visit: $22 WA Initial visit: $29.40 Subsequent visit: $23.50 SA Initial visit: $28 Subsequent visit: $23 TAS Initial visit: $23.20 Subsequent visit: $21 NT Initial visit: $24.20 Subsequent visit: $22	$300 a yearShared with Physiotherapy, Chiropractic, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Psychology	2 months	NSW / ACT Initial visit: $70.50 Subsequent visit: $61.50 VIC Initial visit: $69.50 Subsequent visit: $59.50 QLD Initial visit: $76 Subsequent visit: $69.50 WA Initial visit: $98 Subsequent visit: $66 SA Initial visit: $84.50 Subsequent visit: $72.50 TAS Initial visit: $62.50 Subsequent visit: $57 NT Initial visit: $78 Subsequent visit: $57	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Acupuncture	2 months	NSW / ACT, QLD Initial visit: $31.50 Subsequent visit: $24.50 VIC Initial visit: $32.35 Subsequent visit: $24.50 WA Initial visit: $35 Subsequent visit: $25.75 SA Initial visit: $35 Subsequent visit: $25 TAS Initial visit: $28 Subsequent visit: $25.35 NT Initial visit: $31.50 Subsequent visit: $28	$300 a yearShared with Remedial massage, Chinese herbal medicine, Exercise physiology
Remedial massage	2 months	NSW / ACT, TAS Initial visit: $31 Subsequent visit: $29.50 VIC, QLD, WA, SA, NT Initial visit: $27 Subsequent visit: $25	$300 a yearShared with Acupuncture, Chinese herbal medicine, Exercise physiology
Hearing aids	12 months	Per hearing aid: $300	Not stated
Blood glucose monitors	12 months	NSW / ACT Blood glucose monitor: $105.35 VIC, QLD, WA, SA, TAS Blood glucose monitor: $100 NT Blood glucose monitor: $106.15	$300 a yearShared with Orthotics
Antenatal and postnatal care	2 months	NSW / ACT Initial visit: $15.05 Subsequent visit: $15.05 VIC, SA, TAS Initial visit: $24.10 Subsequent visit: $24.10 QLD, NT Initial visit: $25.35 Subsequent visit: $25.35 WA Initial visit: $27.10 Subsequent visit: $27.10	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Chinese herbal medicine	2 months	Initial visit: $18.05 Subsequent visit: $18.05	$300 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	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
Exercise physiology	2 months	Initial visit: $21.05 Subsequent visit: $18.05	$300 a yearShared with Acupuncture, Remedial massage, Chinese herbal medicine
Orthoptics	2 months	NSW / ACT Initial visit: $36.75 Subsequent visit: $30.15 VIC Initial visit: $30.25 Subsequent visit: $27.55 QLD Initial visit: $32.25 Subsequent visit: $24.40 WA, SA Initial visit: $24.25 Subsequent visit: $18.20 TAS Initial visit: $27.55 Subsequent visit: $26.45 NT Initial visit: $31.25 Subsequent visit: $24.25	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Occupational therapy, Osteopathy, Speech therapy
Health management programs	6 months	Health management program: 50% of the fee	$100 a year
Occupational therapy	2 months	NSW / ACT Initial visit: $97 Subsequent visit: $58 VIC Initial visit: $85 Subsequent visit: $59.50 QLD Initial visit: $68 Subsequent visit: $59.50 WA Initial visit: $90 Subsequent visit: $47.50 SA Initial visit: $92 Subsequent visit: $69.50 TAS Initial visit: $73 Subsequent visit: $42.50 NT Initial visit: $81.50 Subsequent visit: $54.50	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Osteopathy, Speech therapy
Orthotics	12 months	Per pair of orthotics: $90.30	$300 a yearShared with Blood glucose monitors
Osteopathy	2 months	NSW / ACT Initial visit: $42 Subsequent visit: $39 VIC Initial visit: $38.50 Subsequent visit: $33.50 QLD Initial visit: $37 Subsequent visit: $33 WA Initial visit: $34.50 Subsequent visit: $29 SA Initial visit: $43 Subsequent visit: $29.50 TAS Initial visit: $35 Subsequent visit: $28 NT Initial visit: $37 Subsequent visit: $34	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Speech therapy
Speech therapy	2 months	NSW / ACT Initial visit: $68 Subsequent visit: $32 VIC Initial visit: $57 Subsequent visit: $33 QLD Initial visit: $55 Subsequent visit: $34 WA Initial visit: $73 Subsequent visit: $34 SA Initial visit: $73 Subsequent visit: $43 TAS Initial visit: $51 Subsequent visit: $28 NT Initial visit: $57 Subsequent visit: $37	$300 a yearShared with Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Osteopathy

Not covered: Audiology (hearing tests), Vaccinations, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$500 a year
Major dental, Root canal (endodontics)
$300 a year
Glasses and contact lenses
$200 a year
Non-PBS prescription medicines
$300 a year
Physiotherapy, Chiropractic, Podiatry, Psychology, Antenatal and postnatal care, Dietetics, Orthoptics, Occupational therapy, Osteopathy, Speech therapy
$300 a year
Also includes other services not listed
Acupuncture, Remedial massage, Chinese herbal medicine, Exercise physiology
$300 a year
Hearing aids
2 per 3 years
Blood glucose monitors, Orthotics
$300 a year, 1 per year
Also includes other services not listed
Health management programs
$100 a year
Orthodontics (braces)
$1,000 a year, $2,000 lifetime

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 $300 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. Hearing aids payable, two services every 3 years. Hearing aid benefits are per person. Two fully custom-made orthoses (one pair) are payable once per person per calendar year. Dentures payable once every 3 years. Periodic oral examination 012, Scale & Clean 114, Fluoride treatment 121 payable once every 6 months. Pharmacy benefit paid after current PBS patient contribution deducted.

Frequently asked questions

How much does HealthSmart 70 $500 Excess - Gold pay for a scale and clean?

According to government data, HealthSmart 70 $500 Excess - Gold pays up to $63.20 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $500 a year.

What are the waiting periods for HealthSmart 70 $500 Excess - Gold?

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, Hearing aids 12 months, Blood glucose monitors 12 months, Antenatal and postnatal care 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Health management programs 6 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months.

Can HealthSmart 70 $500 Excess - Gold be bought on its own?

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

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