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Which health insurance plans include virtual doctor consultations?

Prompt

Last updated 25th September 2025

Domain count
media.bupa.com.au
1
nib.com.au
1
uts.edu.au
1
Citations count
29
5
14
10
Brands Discovered
22
12
10
7

Original answer

Short answer Yes — most major Australian private health insurers now offer virtual doctor/telehealth services to members (either directly via their own digital platforms or through partner providers). However, what’s offered, whether it’s free, discounted or claimable through your policy, and which member types are eligible varies by insurer and product. Key examples: Bupa, HCF, NIB and Medibank all provide member telehealth/G.P. services (details below). (media.Bupa.com.au)

What this usually looks like

  • Direct or partner telehealth platforms: insurers commonly partner with online GP services (Blua, GP2U, hub.health, Medibank’s Online Doctor/Anywhere Healthcare, etc.) to let members book video/phone consults. (media.Bupa.com.au)
  • Free or discounted member access: some funds offer a small number of free telehealth consults (e.g. Bupa’s three free telehealth GP bookings per person per year) or exclusive discounted pricing for members; others provide member-only pricing or rebate arrangements. (media.Bupa.com.au)
  • Extras cover for allied‑health telehealth: many funds will pay benefits for eligible allied‑health or mental‑health services delivered by telehealth if those services are included in your Extras cover (physio, psychology, dietetics, etc.). Check your extras inclusions/limits. (NIB.com.au)

Important legal/coverage note (why Compare Health Insurance may not list GP cover)

  • Australian law and the government’s Compare Policies site treat out‑of‑hospital GP and specialist consultations as Medicare‑funded services. Historically private insurers cannot “replace” Medicare for those services, so official policy comparators often do not list GP visits as a standard private-hospital benefit even though insurers now offer telehealth access through programs or partners. In practice this means insurers’ telehealth programs are offered under specific commercial arrangements (partner platforms, member perks or programs) rather than as a general “GP cover” line item. (uts.edu.au)

Examples (representative, not exhaustive)

  • BupaBlua: offers members access to online doctors and in Oct 2024 launched a program giving eligible members three telehealth GP bookings per year at zero out‑of‑pocket. (media.Bupa.com.au)
  • HCFGP2U partnership: members can access GP2U online video/phone GP consults (member pricing/no‑gap options for eligible products). HCF also lists several digital mental‑health partners. (HCF.com.au)
  • NIBhub.health partnership: NIB provides access to hub.health GP telehealth with member pricing/exclusive offers; coverage for GP telehealth via private insurance differs by member type (e.g., overseas student/work visa products have different entitlements). NIB also covers telehealth for eligible allied‑health services under Extras. (NIB.com.au)
  • Medibank — Online Doctor/Anywhere Healthcare & virtual mental health: Medibank runs/partners with virtual clinics (including services for OSHC members and specialist telehealth programs) and offers telehealth options for allied and mental health depending on cover. (medibankoshc.com.au)

Other funds

  • Many other Australian insurers (NIB, ahm, Australian Unity, HBF, Teachers Health, etc.) also have telehealth information or partner services; the precise offering (which services, who’s eligible, fees, direct‑billing options and any annual limits) differs between funds and between hospital/extras products.

What I recommend you do next (quick checklist)

  • Check your specific policy summary/MyMedibank/MyBupa/MyHCF/online account for telehealth inclusions, waiting periods and whether telehealth consults are included, discounted or run via a partner. (media.Bupa.com.au)
  • If you want to compare products specifically for telehealth access, look on each insurer’s telehealth/online doctor page or call member services — the government Compare site may not show these member programs because GP visits remain a Medicare area. (uts.edu.au)

If you want, I can:

  • Check your insurer/product (name of fund and exact product) and summarize the telehealth benefits and any costs/eligibility for you; or
  • Pull together direct links and the small-print (who’s eligible, how many free consults, partner provider names) for 3–5 specific insurers you care about.

Which would you like me to do?

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Rank
Brand
Topic
LLM
Sentiment
1
🥇

Bupa

63%
90%
0%
100%
Neutral
2
🥈

NIB

57%
80%
0%
90%
Neutral
3
🥉

Medibank

57%
75%
0%
95%
Neutral
4

Blua

43%
70%
0%
60%
Neutral
5

hub.health

43%
60%
0%
70%
Neutral
6

ahm

40%
40%
0%
80%
Neutral
7

Medicare

35%
35%
70%
0%
Neutral
8

CVS MinuteClinic

30%
0%
90%
0%
Neutral
9

HCF

28%
85%
0%
0%
Neutral
10

Allianz Care Australia

28%
0%
0%
85%
Neutral
11

Ambetter Health

28%
0%
85%
0%
Neutral
12

Humana

27%
0%
80%
0%
Neutral
13

Anthem

25%
0%
75%
0%
Neutral
14

Doctors on Demand

22%
0%
0%
65%
Neutral
15

LiveHealth Online

22%
0%
65%
0%
Neutral
16

GP2U

20%
60%
0%
0%
Neutral
17

Digital GP

18%
0%
0%
55%
Neutral
18

Teladoc

18%
0%
55%
0%
Neutral
19

Australian Unity

17%
50%
0%
0%
Neutral
20

Global Virtual Care

17%
0%
0%
50%
Neutral
21

HBF

15%
45%
0%
0%
Neutral
22

Teachers Health

12%
35%
0%
0%
Neutral
Domain
Title
LLM
URL
Free doctor telehealth consults in cost-of-living measure
Openai
Telehealth | nib
Openai
Private health insurers offer GP telehealth. Is this a risk to Medicare?
Openai
6 DIGITAL MENTAL HEALTH SERVICES FOR MEMBERS | HCF
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Mobile Apps | Medibank Overseas Students Health Cover
Openai
retailpharmacymagazine.com.au
Gemini
bupa.com.au
Gemini
bupa.co.uk
Gemini
bupaglobal.com
Gemini
medibank.com.au
Gemini
medibankoshc.com.au
Gemini
hub.health
Gemini
allianzcare.com.au
Gemini
afr.com
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ahm.com.au
Gemini
clinicall.com.au
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racgp.org.au
Gemini
unimelb.edu.au
Gemini
cvs.com
Perplexity
ambetterhealth.com
Perplexity
humana.com
Perplexity
personnel.ky.gov
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medicare.gov
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cigna.com
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amazon.com
Perplexity
bluecrossmn.com
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aetna.com
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doctorondemand.com
Perplexity
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