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Health insurance, often referred to as private medical insurance, gives you access to private healthcare for conditions that are covered by your policy and develop after your policy starts. One of the main benefits of health insurance is the speed of access to medical treatment.

Whether it’s getting the help you need faster, or for cancer care that helps get you there, we’re proud to give you nothing less than health expertise.

With Bupa, you’ll be covered for acute conditions (disease, illness or injury that are likely to respond quickly to treatment) that begin after your policy starts (pre existing conditions may affect what your policy will cover you for). The environment you’ll be treated in will vary depending on where you’re located and the type of treatment you need. You could be treated in a private hospital, health centre or private section of an NHS hospital.

There are general exclusions which are not covered as standard within our health insurance policies, for example the long-term treatment and monitoring of chronic conditions or cosmetic surgery.

We’ll also need to know about any pre-existing conditions or symptoms you may have. Pre-existing conditions won’t affect the cost of your policy, but they may affect what your policy will cover you for.

Details of the full list of exclusions can be found in the Bupa By You policy benefits and terms (PDF, 0.4MB).

Our health insurance benefits

Whether it’s getting the help you need faster, or for cancer care that helps get there, we’re proud to give you nothing less than health expertise.

Ways to get in touch….

^We may record or monitor calls. Lines are open between 8am and 8pm Monday to Friday and 9am and 12.30pm on Saturday.

Direct Access telephone services are available as long as the symptoms are covered under the policy. If your cover excludes conditions you had before your policy started, We will ask you to provide evidence from your GP that your symptoms are not pre-existing for a period of up to two years from policy start date (or five years in the case of mental health) before we can refer you to a consultant or therapist through the Direct Access service. For rolling moratorium underwritten members we will ask for evidence each time you claim for a condition not claimed for before. Always call us first to check your eligibility.

††As of September 2020, this analysis is based on an internally conducted review of the consumer health insurance market using publicly available information from the major insurers in the UK consumer health insurance market. Combined, Bupa, AXA PPP, Aviva and Vitality hold approximately 90% of the Gross Written Premium income of UK PMI providers. Refers to standard mental health cover when this is included in the selected consumer health insurance product.

See PDF How we compare: Individuals (PDF 1MB)

Babylon Healthcare Services Limited is a limited company registered in England and Wales No 9229684. Registered office: 60 Sloane Avenue, London SW3 3DD.

Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence-based. Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening.

^We may record or monitor calls. Lines are open between 8am and 8pm Monday to Friday and 9am and 12.30pm on Saturday.

Bupa Anytime HealthLine and Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

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. 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: 1 Angel Court, London, EC2R 7HJ.

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