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Treatment and care


This option is for people who are happy to be diagnosed by the NHS but would like to receive treatment privately.

There are two levels of cancer cover, including the option where we will cover your radiotherapy, chemotherapy or surgical operation if it is not available to you with the NHS. We also have a choice of out-patient limits and excess levels that let you reduce monthly costs while remaining covered for eligible treatment and aftercare.


To find out more or to get a quote call us

0808 000 0000 ^

When we say benefits are paid in full - this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee assured consultant). Please note that there are certain exclusions that apply, and you should refer to your policy benefits and terms (PDF, 229KB) for full details.

Getting treated Expand all
  • Paid in full

    This is the eligible treatment and care you have as an out-patient or whilst in hospital. We'll pay hospital and clinic charges for your eligible treatment and looking after you whilst in their care.

    We'll pay consultant fees (surgeons, anaesthetists or physicians) for your eligible treatment.

  • Paid in full

    This includes therapies such as physiotherapy.

    We will pay the therapists' fees in full for eligible treatment.

  • Paid in full. Limited to 28 days in-patient or day-patient care (combined) each year.

    This includes eligible mental health treatment from a consultant or mental health and wellbeing therapist.

    Treatment is authorised at our discretion.

  • Paid in full

    We'll pay your fees for eligible consultations following treatment when you have been referred for this by your GP or a consultant.

  • Paid in full

    These are tests that your consultant may ask for following an initial diagnosis. We will pay the hospital or clinic charges for these in full, whilst you are undergoing eligible diagnostic tests as an out-patient, day-patient or in-patient to help further investigate your condition. Included in this are any charges for interpreting the results of your tests.

  • Paid in full

    These are scans that your consultant may ask for to help them determine or assess your condition following an initial diagnosis.

    We'll pay the hospital or clinic charges for these in full, whilst you are undergoing eligible diagnostic tests as an out-patient, day-patient or in-patient to further investigate your condition. Included in this are any charges for interpreting the results of your tests.

  • Paid in full

    This includes treatment such as surgery, chemotherapy and radiotherapy.

Additional benefits Expand all
  • We’ll pay a cash benefit for treatment provided to you free under the NHS when it would have been eligible for private treatment under your benefits.

    For in-patient treatment, you will receive £50 per night up to 35 nights per year.

  • We’ll pay a cash benefit for treatment provided to you free under the NHS when it would have been eligible for private treatment under your benefits.

    We only pay this benefit once even if you have more than one eligible treatment on the same day.

    In relation to cancer treatment, you will receive:

    • £100 per night of in-patient stay that you receive radiotherapy, chemotherapy or a surgical operation
    • £100 for each day you receive radiotherapy in a hospital setting
    • £100 for each day you receive IV-chemotherapy and for each three-weekly interval of oral chemotherapy or part thereof
    • £100 on the day of your surgical operation
  • Paid in full

    Certain eligible treatment such as chemotherapy could be potentially administered at your home instead of in a hospital. This benefit is subject to your consultant’s and Bupa’s approval.

  • For certain conditions, we offer cash payments in place of private treatment if you choose to be treated by the NHS.

    1. 1. Cancer
    2. 2. Cardiac
    3. 3. Eye-Care:
    4. 4. Musculoskeletal conditions; and
    5. 5. Obstetrics and Gynaecology.

    We know that these payments often help you stay in control of your finances while you're unwell and receiving hospital treatment. You can choose to spend this however you wish.

    The procedure specific cash benefits offered may be changed from time to time. If you choose to accept a procedure specific NHS cash benefit, Bupa will not withdraw the offer unless you change your mind.

    We recommend that you discuss your options with your consultant. It's entirely your choice whether you choose to receive a procedure specific NHS cash benefit or receive private treatment. There's no obligation for you to have future treatment within the NHS. You're free to revert back to private treatment if you wish to do so. For more information or to discuss your options, please call us on 0345 609 0999^.

  • Paid in full

    We'll pay for home nursing charges following private in-patient treatment that is covered under your policy. This benefit is subject to our approval.

  • We'll pay towards travel by private ambulance if you need private day-patient treatment or in-patient treatment, and it's medically necessary for you to travel by ambulance.

    Up to £60 per journey with no annual limit.

  • Whether you need medical advice or just want to speak to someone about making improvements to your lifestyle, our Anytime HealthLine is here to help. You’ll be able to call our nursing team at any time, day or night and if you need more help, one of our GPs will aim to call you back within the hour.

Ways to adapt your cover to help suit your needs Expand all
  • Choosing a hospital network that's right for you

    Once you have chosen your Bupa By You product – either Comprehensive or Treatment and Care - you can change the price through the hospital access that you choose. By limiting the access you have, you can reduce the amount you pay on a monthly basis.

    Some networks do not have hospitals in some areas, so you should check that you're happy with the distance you'll have to travel to the nearest hospital in your chosen network. The hospital network lists can change from time to time.


    Essential Access

    This is the lowest cost option where you’ll gain access to a limited national hospital network, including a selection of private hospitals and clinics. Treatment is covered in a selection of private hospitals outside of central London.


    Extended Choice

    This option offers more choice than Essential Access as you'll gain a longer list of hospitals and clinics available to you. Extended Choice also includes a limited selection of hospitals and clinics in central London.


    Extended Choice with Central London

    You can benefit from all the advantages of Extended Choice, plus a much larger selection hospitals and clinics in central London, with this option.

  • There are two options for you to choose from;

    Cancer Cover

    Paid in full

    You'll be covered for all private cancer treatment from diagnosis including eligible treatment such as surgery, chemotherapy, radiotherapy and bone marrow and stem cell transplants.


    NHS Cancer Cover Plus

    Paid in full

    You’ll receive cancer treatment in the NHS following diagnosis and will only be covered when the radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available to you under the NHS.

  • You can choose an excess from £0 to £500.

    An excess is applied once every membership year that you claim. Choosing a higher excess will help to reduce your monthly premiums.

Cover exclusions

Health insurance does not generally cover pre-existing conditions. You won’t need to attend a medical but underwriting will apply.

There are also certain conditions and treatments that, whichever plan you choose, will not be covered. These include chronic long-standing conditions like diabetes, or cosmetic surgery. Details of the full list of exclusions can be found in the Bupa By You policy benefits and terms (PDF, 229KB).


What's next?

^ 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.

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