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Bupa health insurance for BVA members


To get a quote, call us on 0808 258 3945 or request a callback. We may record or monitor our calls.

Let us know you're a BVA member so we can apply your discount. Lines are open Monday to Friday, 8am to 8pm

Health insurance, or private medical insurance, gives you access to private healthcare. It covers all, or some, treatment costs for:

  • conditions covered by your policy
  • conditions that start after your policy begins

You pay an annual or monthly premium for your insurance. You'll then have quick access to medical treatment.

We'll cover you for acute conditions after your policy starts. This covers disease, injury or illness that will likely respond quickly to treatment. Conditions you had before your policy started, known as pre-existing conditions, may not be covered.

Where we treat you may depend on the type of treatment you need and where you live. You may be treated in a private hospital, health centre or private section of an NHS hospital. This will all depend on if your treatment is eligible, is fee assured and there's a hospital within your chosen network.

Some things aren't covered as standard in our health insurance policies. For example, most policies don t cover emergency treatment, maternity care or conditions you had before your policy started.

When you take out a policy, we may need to know about any conditions or symptoms you have. This depends on the type of underwriting you choose.

There are two types of underwriting, full medical underwriting and rolling moratorium underwriting. Full medical underwriting means you'll let us know about any pre-existing conditions or symptoms you already have. You'll then know what you will and won't be covered for. Rolling moratorium underwriting means you won't give us your medical history. Instead, you'll need to get your GP to complete a pre-treatment form each time you need to make a claim. This is so we can confirm if the condition is new or is pre-existing.

Though we don't cover pre-existing conditions, we can still support you. You can chat to a nurse any time of day or night on the Anytime HealthLine. Or, speak to a doctor with a virtual or face-to-face appointment.

More information about exclusions can be found in the Bupa By You policy guide (PDF, 1.7MB).

We have two health insurance policies to choose from. You can choose either:

  • Comprehensive cover - includes both private diagnosis and treatment
  • Treatment and Care cover - offers private treatment following a private self-paid or NHS diagnosis

To find out which cover is best for you, you can compare health insurance.

Our health insurance benefits

From fast GP access to flexible cover options, we're there for you.

As of September 2024, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa’s Bupa By You, SME Select and Corporate Select health insurance and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.
See PDF How we compare: Individuals (PDF 0.1MB)

The My Bupa App is provided by Bupa Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales at 1 Angel Court, London, EC2R 7HJ. Its company number is 3829851. VAT Registration Number: 239731641.

Bupa Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales with registration number 631336. Registered office: 1 Angel Court, London EC2R 7HJ.

Rewards by Bupa and Bupa Digital Services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Rewards by Bupa is promoted by Bupa Investments Limited, 1 Angel Court, London EC2R 7HJ. Terms and conditions can be found on the Bupa Rewards page.

Bupa Digital GP services are provided by Bupa Occupational Health Limited. Registered in England and Wales with registration number 631336. Registered office: 1 Angel Court, London EC2R 7HJ.

Bupa Digital Services are not regulated by the Financial Conduct Authority or the Prudential Authority.

BVA introduces Bupa health insurance. 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

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