Lady stretching to the floor on a yoga mat

Health insurance

Giving you choice and flexibility

At Bupa we understand that choosing health insurance can seem daunting, if not a little confusing at times. Our policy allows you to choose from various combinations of cancer cover, out-patient limits, excesses and hospital networks better suited to your budget. We will pay for post-diagnostic treatment and therapies such as physiotherapy.

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 health insurance lets you adapt your cover to suit what’s important to you, from out-patient limits to excess and hospital networks.

About our cover

Our health insurance allows you to easily shape your policy to help suit your needs and your budget. Firstly, select one of the two options below. Then tell us how much cancer cover you want, your excess level and which hospital network you will use.

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. Treatment and care covers consultations, diagnostic treatment and scans following a referral from your GP.

    If you choose Comprehensive 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.

    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 are unsure about how to choose the right health insurance for you, the Association of British Insurers (ABI) has produced a guide to buying private health insurance. Download the ABI guide “Are you buying private medical insurance?” (PDF, 1.2MB)

    To help you understand your cover we’ve created a booklet to clarify some important points about your cover (PDF, 3.6MB). Please read it carefully alongside the information in your membership guide and certificate that you receive when you join.

  • 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 Bupa By You product summary (PDF, 1.1MB) that will also be sent to you once you have taken your cover out.

  • You will 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 your cover within 21 days. As long as you have not made any claims we will refund all of your subscriptions for that year and any sums you have paid for future years. You will 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 download our membership guide (PDF, 233KB).

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

  • For an additional premium you can add your partner and/or your children (including newborn or adopted children) as dependants on your membership 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 keep your Bupa health insurance.

    If you were asked to give details of your medical history on your company scheme we will (at our discretion) consider providing cover with Bupa By You without the need to provide any further medical details. However, 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 may be required to provide a form of eligibility criteria.

    Call one of our healthcare consultants today on 0800 606 570 ^ to talk through your health insurance options.

What's next?

^Calls may be recorded and may be monitored. Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 1pm. Calls from landlines to 0800 and 0808 numbers are free, however, mobile phone providers may charge.

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.