Products and resources

Find the right product for your clients

With Bupa, we can arrange access to high quality care whichever policy you have. Explore our Bupa By You products to get the right cover for your clients. You can also learn more about our Guided Care option to help lower the price of health insurance.

From big budgets, to small ones, we offer health insurance products for all.

Learn more about our health insurance products

Bupa products: your question answered

Discover what we cover, our hospital networks and more

Transcript

Who are you?

Hello, my name's Ed Reed. I've been at Bupa for 16 years.

Come and ask me about health insurance, what you're covered for,

and any other questions you might have.

What is health insurance?

Health insurance or private medical insurance,

often referred to as P M I is an insurance product that can cover

the cost of private treatment, anything from physiotherapy,

the smaller things to the larger things like cancer and everything in between.

And you can pay monthly or annually.

And health insurance is there for any new conditions that arise after the policy

has started.

How does health insurance work?

So health insurance works. It starts off if you have a problem, an ailment,

you would need a GP referral and you can either get a GP referral via your N H

S gp or you can use our digital GP app. Once you have a referral,

you would give us a call and speak to one of our friendly advisors who would

talk you through everything from your policy limits,

if you have an excess who and where to pay your excess.

And we can also help you find a consultant to see.

Once you have the consultant you need to see, you'd give them a call,

book your appointment. At the point that you've called us,

we'd give you an authorization number so we would pay bills directly.

Once you have seen the consultant,

you could then give us a call for any further treatment, but it's really,

really easy.

You just need to give us a call once you've got that referral and we will talk

you through everything to help you.

How much does health insurance cost?

That's a really good question and one we get asked a lot.

It depends on a few factors. One of the factors is your age,

so as you get older, you're more likely to make claims.

Also, your lifestyle can affect the price.

How many people you have on your policy, the policy makeup.

So whether you have a comprehensive policy or your excesses,

there's various different options that you can pick to adjust the price.

The best thing you can do is you can go on our website or you can give us a call

and speak to our friendly team who can go through all the options with you.

What's the difference between health insurance and the NHS?

Everybody has access to the N H s.

You would keep your N H Ss GP and in an accident and emergency situation,

again, you'd use the N H Ss.

Where it's really different is the access or speed of access to

consultations, your treatment, your diagnosis, and your care.

It's also convenient in the sense that you can pick your own appointments around

your schedule, and that's a really big factor.

What does health insurance cover and what cant it cover?

Health insurance covers any new conditions that started after the policy

starts. For any conditions that started before the policy starts,

they wouldn't be covered.

There are also general exclusions that apply to all of our policies,

and a few examples of the general exclusions are pregnancy, cosmetic surgery,

and chronic conditions.

And a chronic condition is a condition and that can't be cured,

and that would just be maintained. Two examples are asthma and diabetes.

You would typically use the N H S A full list of our general exclusions can be

found on our website.

Can I cover my children as well?

Yes, you can add a child up to the age of 21 or

24 in full-time education.

There is a discount sometimes for adding them to your policy.

You can also cover your child independently on their own policy

if you are the parent or guardian.

Can each person on my policy have different options of cover?

Yes, different family members on the policy can have different levels of cover.

So if you, as a parent wanted one level of cover, say for example,

to have full outpatient cover and you wanted your child to have limited

outpatient cover, that's absolutely fine.

Can I use my cover straight away?

You can use your cover straight away.

You can speak to a nurse on the Anytime Healthline.

You can also speak to a GP on the digital GP app.

If you do need to make a claim straight away,

we may need a medical report from your gp.

And health insurance is designed to cover new conditions after the policy

started.

What is a pre-existing condition?

Preexisting condition is a symptom or a medical condition that you

had prior to joining us. To give you an example,

if I've got a mobile phone and I crack the screen and I don't have insurance for

it, and I try to get insurance,

that insurance wouldn't cover the crack screen As part of the cover,

you can speak to a nurse or a GP about preexisting

conditions.

If you have any questions about any preexisting conditions or to find

out what is or what isn't covered, please give us a call.

Can I pay extra to have a pre-existing condition covered?

You can't pay extra to have a preexisting condition covered as part of the

cover. You do have access to a nurse or a digital gp,

and if you've got any questions about what is and what isn't covered,

you can give us a call.

What is full medical underwriting?

Full medical underwriting means we'll ask you some questions about your health

before you join to help you understand what is and what isn't covered.

What is moratorium underwriting and how does it work?

Moratorium underwriting means we won't go through any health questions when you

join. However, when you do need to make a claim,

we will ask you some health questions at the point of claim,

and if we need further information from your gp,

you will need to get this permission for the GP to send us in any medical

reports. There may be a cost to this associated.

It's quicker to buy the policy,

but may slow things down ever so slightly when claiming.

Will my claim take longer if I have moratorium underwriting?

Sometimes yes, as every time you make a claim,

we may need to reach out to your doctor,

but please note your Dr. May charge for this.

Will the cost go up every year?

Yes, it's likely the cost will go up each year.

There's a few reasons for that.

The first reason would be age. So as you get older,

you are more likely to make claims, your risk goes up.

Another factor would be medical inflation.

So that is the advancement in technology of drugs and

treatments. And then another factor would be claims.

Claims can affect the cost of your policy.

At each renewal,

you have the option to review the cover and look at cost options,

and you can give our friendly team a call who can take you through those

options.

Can I change my cover once I have signed up?

You have 21 days from when you receive your paperwork to change your cover.

You can change your cover at your renewal, but you can cancel anytime.

Can I cancel at any time and will I be charged to do so?

Yes, you can cancel at any time. If you are thinking about canceling,

please give us a call.

Will I have access to private GP's?

Yes, you will have access to private gps.

You can access the private GPS via our digital GP app,

Bupa Blue Health.

You are able to speak to GPS over video or on the telephone.

You can access them night and day and 24 hours a day

and it's unlimited appointments.

If you do want to see a G P face-to-face,

you're able to use our pay as you go service.

This isn't included in your policy,

but full details can be found on our Bupa website.

What does out-patient cover mean?

Outpatient cover is well means when you don't occupy a bed in a

hospital, so you're not a day case or an inpatient.

Outpatient can consist of consultations, physiotherapy,

or mental health therapies.

You have different outpatient limits that you able to choose from.

You can cap the outpatient limit. You can have full outpatient,

or you can exclude it altogether and use the N H Ss for your diagnosis.

When you call us up to pre authorize your claim,

we can talk you through the limits that are available because if you are capping

your outpatient limit,

please bear in mind that that may only cover a few consultations.

What is an excess and how does it work?

An excess can make your policy more affordable.

There are a range of different excesses to choose from.

You don't have to have an excess in the policy. The higher the excess,

the lower the monthly subscriptions are.

The good thing about the excess is it's once per person, per policy year,

not for every single claim that you make.

It's not like car insurance excess where you pay it on every single claim.

It is just that once per person, per policy year.

Can I change my excess part way through the year?

You can't change your excess partway through the year.

You do have the ability to change your excess 21 days after receiving your

documents.

You also have the ability to change your excess at your policy renewal,

and you can find details of your excess on your policy documents.

When/ how do I pay my excess?

We will let you know who and when to pay your access to when you speak to us.

Please don't pay a provider unless we tell you to do so.

What is a no claims discount and how does it work?

No claims discount affects the price at renewal,

so depending on the size of the claim,

a small claim wouldn't affect the no claims discount as much as a large claim

would. Everyone on the policy has their own no claims discount,

and there are some services that don't affect the no claims discount,

such as the anytime Healthline to speak to a nurse or the digital GP

to speak to a GP or pharmacist.

Those services wouldn't affect the no claims discount.

What does fee assured mean?

Fear Assured means that the consultant work within our agreed

limits, so there'll be no shortfalls or hidden costs for you.

If you do have an excess, this may apply.

You can find Fear Assured Consultants on our Bupa Consultant and Facilities

Finder. That's finder dot Bupa dot co uk,

and within the finder,

there'll be a banner indicating that they're fear assured.

Can I use health insurance abroad?

Bupa Bayou Health Insurance is a UK only product.

If you work or live abroad,

then you can look at our Bupa global suite of products.

If you are going on holiday, then you should look at travel insurance.

Compare our cover options

	Bupa By You Comprehensive cover	Bupa By You Comprehensive cover (with out-patient allowances)	Bupa By You Treatment and Care cover
Face-to-face GP appointments	£20 per 15-minute GP appointment	Not included	Not included
Out-patient consultations	Paid in full^†	£1,000, £750 or £500 combined	Paid for in full after treatment of condition or an operation. This has to be within six months of being discharged.
Out-patient minor diagnostic tests (including x-rays, ultrasounds and blood tests)	Paid in full^†	£1,000, £750 or £500 combined	Paid for in full after treatment of condition or an operation. This has to be within six months of being discharged.
Out-patient therapies (including mental health therapies, physiotherapy, chiropractic services and osteopathy services)	Paid in full^†	£1,000, £750 or £500 combined	Paid in full^†
MRI, CT and PET scans	Paid in full^†	Paid in full^†	Paid for in full after treatment of condition or an operation. This has to be within six months of being discharged.
In-patient or day-patient treatment	Paid in full^†
In-patient or day-patient mental health treatment	Up to 28 days in-patient or day-patient care (combined) each year^†
Cancer cover	Full or no cancer cover^†
Excess options	£0 to £2,000
Underwriting options	Full medical underwriting, moratorium, switch or ex-group scheme	Full medical underwriting, moratorium, switch or ex-group scheme	Full medical underwriting or moratorium

	Bupa By You Comprehensive cover	Bupa By You Comprehensive cover (with out-patient allowances)	Bupa By You Treatment and Care cover
Face-to-face GP appointments	£20 per 15-minute GP appointment	Not included	Not included
Out-patient consultations	Paid in full^†	£1,000, £750 or £500 combined	Paid for in full after treatment of condition or an operation. This has to be within six months of being discharged.
Out-patient minor diagnostic tests (including x-rays, ultrasounds and blood tests)	Paid in full^†	£1,000, £750 or £500 combined	Paid for in full after treatment of condition or an operation. This has to be within six months of being discharged.
Out-patient therapies (including mental health therapies, physiotherapy, chiropractic services and osteopathy services)	Paid in full^†	£1,000, £750 or £500 combined	Paid in full^†
MRI, CT and PET scans	Paid in full^†	Paid in full^†	Paid for in full after treatment of condition or an operation. This has to be within six months of being discharged.
In-patient or day-patient treatment	Paid in full^†
In-patient or day-patient mental health treatment	Up to 28 days in-patient or day-patient care (combined) each year^†
Cancer cover	Full or no cancer cover^†
Excess options	£0 to £2,000
Underwriting options	Full medical underwriting, moratorium, switch or ex-group scheme	Full medical underwriting, moratorium, switch or ex-group scheme	Full medical underwriting or moratorium

^† Covered treatments on your client's core health insurance are paid in full. Out-patient benefits up to your client's benefit allowance are also covered. Your client must:

Use a facility from their chosen Bupa network
Use a Bupa-recognised consultant who charges within Bupa limits (also known as a fee-assured consultant)

All children are covered for the price of one

Your clients can add more than one child under 20 years old to their policy and only pay for the eldest child, no matter how many children are added.

They’ll still receive our 10% family discount, too

Children aged 20 or over cannot receive free cover or count as an ‘eldest child’ for this offer
Cover must include at least two children aged 19 or under
Children do not have to live at the same address as the main member

These offers apply to our Comprehensive and Treatment and Care policies.

We may remove or change these offers when your clients renew. Read our full terms and conditions (PDF, 0.04MB) for more information.

Learn more about family+

Connect with your clients

Whether you’re introducing health insurance to clients for the first time, or they need some space to think, that’s ok. Explore our client-facing marketing resources to provide your clients with the knowledge they need to make the right decision.

What’s next?

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales with registration number 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 with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.