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Health insurance

Giving you choice and flexibility

Health insurance can give you access to private diagnosis and treatment should you fall ill or be injured. It’s designed to complement the NHS rather than replace it and it’s used for planned, not emergency treatment.

With us, depending on the cover you choose, you can receive access to diagnosis and eligible treatment for new conditions in a Bupa-recognised private facility from a Bupa-recognised consultant.

To find out more or to get a quote call us

0808 256 9436 ^

Build the right cover for you in only three steps

Our health insurance benefits

Our cover has different options, but in general you can expect all of this and more:

About our cover

Our health insurance puts you in control with the choice of two core products that you can adapt to help suit your needs.

Already have health insurance?

Most frequently asked questions

Here’s a selection of questions and answers that we’ve already helped our customers with. Expand all
  • As a starting point, think about your lifestyle, budget and the areas of your health that concern you the most. Comprehensive covers medical costs from diagnosis and treatment to aftercare.

    If you choose Comprehensive and full cancer cover, it includes diagnosis, eligible treatment and aftercare. Alternatively if you choose NHS Cancer Cover Plus, cover is only available if the radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available under the NHS.

    Treatment and care covers eligible treatment and following this, any consultations, diagnostic tests and scans that are needed after you have received your treatment.

    If you’d like to speak to us about health insurance, call 0800 606 570 ^ and we can talk you through some suitable options. Alternatively you can get a quote online now.

    If you want to learn more about health insurance and how it works, take a look over our health insurance guide.

  • Bupa By You covers you for new conditions that occur once your cover has started - so you won't be able to use it for medical conditions that were apparent before you took out cover. There are also certain conditions that, whichever plan you choose, will not be covered, for example chronic long-standing conditions or cosmetic surgery. Details of the full list of exclusions can be found in the policy benefits and terms (PDF, 229KB) that will also be sent to you once you have taken your cover out.

  • You'll be covered from the moment you have agreed on the level of cover that's right for you and you've set up your monthly Direct Debit. Once your cover has started, you can cancel it within 21 days and as long as you haven't made any claims we'll refund all of your subscriptions for that month or year. You'll be sent all of the documentation that details what is and isn't covered and how you get in touch with us should you need to claim. You can also find this information in our policy benefits and terms (PDF, 229KB).

    Each year before your renewal we'll send your renewal details including your new subscription price.

  • For an additional cost you can add your partner and/or your children (including newborn or adopted children) as dependants at any time. Please call us so that we can update your policy on 0333 331 4195^.

  • We’ll write to you at least 28 days before your renewal date, and your annual cover will automatically be renewed unless you decide to end your cover. Each year at renewal you can change elements of your cover if your circumstances change.

  • If you’ve been part of a company health insurance scheme but you’re leaving it now, you can still have Bupa health insurance.

    Anything that was excluded on your company scheme would remain excluded on Bupa By You. When joining Bupa By You as a company leaver, you will be required to meet our of eligibility criteria.

    Find out more about leaving your company scheme, or call us today on 0800 606 570 ^ to talk through your health insurance options.

What's next?

Families save 10% with Bupa:

10% saving applies to family cover which includes one adult or more and one or more children. The savings apply to family cover with children on their policy compared to the price of individual cover for each family member. All children covered must live at the same address as the main member. Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our family rate at renewal.
††Couples save 5% with Bupa:

A couple pay 5% less compared to the combined single premium price. The partner covered must live at the same address as the main member. Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our couples rate at renewal.

†††20% off for new members with Bupa:

  1. The discount is only available to UK residents aged 18+ when purchasing a Bupa By You health insurance policy. It is not available for any add-ons you may purchase (such as travel insurance).
  2. To be eligible, you must be a new Bupa insurance customer who can evidence membership of a self pay health insurance scheme through another provider in the UK (which is not a company paid policy). Bupa will ask for evidence of your existing policy to be provided. This offer is not available to existing Bupa members or those transferring from a Bupa Group scheme.
  3. The discount is only available for Bupa By You policies which start between 1 August 2016 and 31 October 2016 inclusive. If you would like to apply, please call 0800 077 8961^ and a Bupa adviser will be pleased to provide you with a quotation. Lines are open between 9am and 5pm Monday to Friday and between 8am to 12:30pm on a Saturday and calls may be monitored or recorded. This offer is not available online, but may be available through third party brokers.
  4. The discount which will be offered is a 20% discount off the premiums which Bupa would otherwise have offered to you for a Bupa By You policy, taking your personal circumstances into account (including your age, medical history, history of smoking and other lifestyle factors). This discount is valid on new policies until 31 October 2016. Discount cannot be used with any other offer, promotion or discount on the same product. Discount is reviewed annually.
  5. All new Bupa customers who qualify for this offer will be re-underwritten at point of sale. Pre-existing conditions will not be covered. Bupa’s standard Bupa By You policy terms and conditions will apply.
  6. Family members added to the same policy at a later date are eligible for the discount.
  7. Bupa reserves the right to decline to offer a health insurance policy in its absolute discretion, and Bupa’s decision regarding any aspect of this promotion is final.
  8. Bupa reserves the right to cancel, suspend or withdraw the promotion at any point without prior notice where it becomes necessary to do so.
  9. There is no cash alternative and the discount is non-exchangeable and non-transferable.
  10. Bupa will use your personal information for the purposes of administering your request in accordance with these terms and conditions and, unless you have indicated otherwise, to send you information about Bupa products and services.
  11. This promotion will be governed by English law and applicants submit to the jurisdiction of the English courts.

^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.