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Treatment and care


Offers cover for your eligible treatment and aftercare after you have been diagnosed through the NHS, for as long as you are a Bupa member.

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.

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

Benefits will be paid in full for eligible treatment on your core health insurance 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 the membership guide for full details.


To find out more or to get a quote call us

0808 000 0000 ^

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 will pay hospital and clinic charges for your eligible treatment and looking after you whilst in their care.

    We will 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.

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

    Treatment is subject to Bupa approval.

    Limited to 28 days in-patient or day-patient care.

  • Paid in full

    We will 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 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 diagnose 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 will pay a cash benefit for eligible treatment provided to you free under the NHS. For in-patient treatment, you will receive £50 per night up to 35 nights per year.

  • In relation to cancer treatment, you will receive £100 per night up to 35 nights per year, as follows:

    • radiotherapy: for each day radiotherapy is received in a hospital setting
    • chemotherapy: for each day you receive treatment for IV-chemotherapy and for each three-weekly interval of oral chemotherapy, or part thereof
    • a surgical operation: on the day of your operation

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

  • Paid in full

    Certain treatment such as chemotherapy could be potentially administered at your home instead of in hospital. This benefit is subject to our approval upon full clinical details from the consultant.

  • We know that it is important for you to have access to quality care in a setting that is right for you. To help ensure that you have a choice in where you receive your care, our specialist teams in the following areas are able to offer those requiring certain specific eligible procedures the option of receiving cash payments in place of private treatment when such treatment is carried out free under your NHS.

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

    We offer NHS cash payments on a range of procedures across each specialist area. We know that these payments often assist people financially while they are unwell and receiving hospital treatment. Procedure specific NHS cash benefits are paid directly to the main member on the policy. The member can choose to spend this however they 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 choose to do so.

    We recommend that you discuss your options with your consultant. It is entirely your choice whether you choose to receive a procedure specific NHS cash benefit or receive private treatment. There is no obligation for you to have future treatment within the NHS. You are free to revert back to private treatment if you wish to do so. For more information or to discuss your options, please call our member services team on 0845 609 0999^.

  • Paid in full

    We will pay for home nursing charges following eligible in-patient treatment. This benefit is subject to Bupa's approval.

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

    Up to £60 per journey with no annual limit.

  • Around the clock, unlimited telephone consultations with our team of GPs and nurses.

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 are happy with the distance you will 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 local to you. Extended Choice excludes central London hospitals and clinics.

    Extended Choice with Central London

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

    Use our Consultant and Facilities Finder tool to find a facility convenient for you.

  • You can choose from one of these levels of cancer cover.

    Full Cancer Cover

    This includes full cancer cover from diagnosis, to eligible treatment with no financial limits*.

    NHS Cancer Cover Plus

    This means that we will cover the core treatment for cancer (e.g. radiotherapy, chemotherapy or a surgical operation) provided that the treatment is not available to you on your NHS*.

    *There are no financial or time limits for eligible treatment on your core health insurance when you use a facility from your chosen Bupa network and a Bupa recognised consultant who agrees to charge within Bupa limits (a fee assured consultant). Active membership required.

  • 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. We need to base our decision on the cover we can offer you on your past seven years’ medical history. So, if you have symptoms which you know could cause problems in the future, you’ll need to tell us straightaway, but you won’t need to attend a medical assessment.

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 non-essential cosmetic surgery. Details of the full list of exclusions can be found in the Bupa By You product summary (PDF, 718kb).


What's next?

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.

^Calls may be recorded and may be monitored.

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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