Health cash plans are designed to help with everyday healthcare costs and offer cash payments for a variety of healthcare needs, such as dental and optical fees.
Different levels of cover available to suit your needs and budget. .
Unlike health insurance there is no need for pre-authorisation if you visit a consultant.
Around the clock, unlimited telephone consultations with our team of GPs and nurses.
Allows you to claim back up to 100% cash back on Dental, Optical and Prescriptions
Allows you to claim back up to 100% cash back on what you spend on everyday health treatments, for you, your partner and your dependants.
Our health cash plans don't just offer cover for treatment when you're ill. Our Bupa health cash plans offer benefits for routine dental and optical check-ups and Bupa health assessments, to make sure you're in good shape. Advice is available from qualified nurses 24/7 on our health cash plans with our Bupa Helplines.
To make your life easier, we’ve made our health cash plan claims process as simple as possible. With our health cash plans you don't even have to get your claim pre-authorised before you have treatment. You just pay the bill, submit a claim form with your receipt and we’ll refund you up to the benefit limits of your chosen health cash plan.
If you need other complementary treatments – such as chiropody, osteopathy, chiropractic, physiotherapy or acupuncture – to maintain your everyday health, you’ll find our health cash plans offer benefits for those too.
We've specially selected a range of fabulous discounts on everything from meals to motoring and more. They've been carefully negotiated for Bupa members and change regularly.
A health cash plan can be an affordable alternative to health insurance. Health cash plans don't offer the same levels of benefits as health insurance schemes, so they usually cost much less. A Bupa Health Cash Plan could be the perfect option if you just want cover for everyday healthcare costs.
We process health cash plan claims really quickly – on average within just four working days from receipt of your correctly completed claim form and receipts. We can pay your cash back either via a personal cheque or straight into your bank account.
The table below highlights some of the differences between Bupa health cash plans and Bupa health insurance.
|Bupa health cash plans||Bupa health insurance|
|Health cash plans provide cash payments to help with everyday healthcare costs^.||Health insurance may be more extensive and covers the cost^ of eligible private treatment and hospital stays.|
|You pay for eligible treatment/expenses and then claim back some or all^ of the costs^ in the form of cash refunds.||Treatment costs are usually paid^ directly to the consultant/hospital by Bupa.|
|Pre-authorisation is not necessary.||Pre-authorisation from Bupa may be required before treatment.|
|Health cash plan benefits range from dental, optical and prescription costs right through to chiropody, depending upon the cash plan chosen.||Bupa health insurance generally includes cover for private hospital-related costs, such as eligible consultations, treatment, hospital stays and outpatient treatment.^|
|Pre-existing conditions are covered#||Health insurance may not cover pre-existing conditions, dependant upon the policy.|
Bupa health cash plans are designed to supplement health insurance by providing cash back towards a variety of everyday health care costs that might not be covered under traditional health insurance schemes.
Bupa health cash plans provide cash payments to help with everyday health care costs such as dental and optical fees, and many more.
No you will not require a medical to take out a health cash plan.
No. You can cancel your membership for any reason within 21 days of receiving your membership letter, and as long as you haven’t made a claim we’ll refund any unused subscription for that year.
You can end your membership or the membership of any of your dependants at any time by providing us with 30 days’ prior written notice to: Member Services Manager, Bupa Cash Plan, Dale Buildings, Cook Street, Coventry, CV1 1JH.
To make a claim you must use the claim form we provide. If you don’t have a claim form, please call us on 0845 602 1092*. To help reduce the time it takes to reimburse you, send us your fully completed claims form and original receipt(s) as soon as possible following treatment. Your claim needs to be submitted to us within 90 days of treatment unless it is not reasonably possible to do so.
To claim a health assessment or fitness assessment you will be issued a code, which should be quoted to us when you book your assessment. You do not need to complete a claim form as you will automatically be charged £100 less than the full price.
There is a 13 week initial qualifying period following the start of your Bupa health cash plan for all benefits except for the Bupa Helplines and Bupa HealthLine (where they apply). This means that you can start using the Bupa Helplines and Bupa HealthLine as soon as you become a health cash plan member but will need to wait 13 weeks from the start date of your continuous period of membership of the plan before you can start claiming any other benefits.
There is no waiting period for any Bupa health cash plan scheme if you’re transferring from another health cash plan and have completed the qualifying period with that provider. You’ll just need to provide proof of your current health cash plan membership.
* Calls may be recorded and may be monitored.
^ Subject to policy limits.
#Excluding Bupa Patient Cash.
Bupa cash plan 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.