Bupa health insurance for BVA members
Save 10% on Bupa By You health insurance
When life's non-stop, taking time out for a health issue might not feel like an option. Which is why, with Bupa, you'll get fast access to treatment and specialist support, so you'll soon be back to business as usual.
This offer applies to eligible Health Service Discounts members on quotes for new Bupa By You policies.
Our discounts will be reviewed on 1 May 2025 and any changes will then apply to renewals and new quotes taken out after that date. Our quotes are valid for 14 days. Terms and conditions apply.
To get a quote, call us on 0808 258 3945 or request a callback. We may record or monitor our phone 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.
Fast and convenient access to healthcare
Save time with our digital appointments in the My Bupa App. Speak to GPs, nurses, physiotherapists and mental health practitioners face-to-face or virtually.
Nurses ready to help, every hour of the day
For the symptoms that niggle or keep you up at night, we can help. Call our Anytime HealthLine to talk to a qualified nurse about any health concerns. Open 24/7 for clear advice, we're always here to talk.
Dental care for all the family
Our health insurance includes one Bupa Dental Care appointment every year, for everyone covered, including children. You can use your appointment for a new patient or routine check-up, or for an emergency appointment.
After your appointment you'll get a £300 allowance towards restorative treatment. This covers things like crowns or fillings.
Whatever the mental health condition, we'll be there
If you develop a new mental health condition during your policy, we're here. When it comes to your wellbeing, we cover more mental health conditions than any other leading UK insurer†. We're proud to offer a number of support options, so you can get the right help, for you.
Direct care, for symptoms that won't wait
If you have symptoms related to cancer, mental health or muscles, bones and joints our Direct Access service is here for you. We'll check your symptoms over the phone and offer guidance on your next steps. We may be able to refer you to a specialist too.
Any onward referrals for consultations, tests or treatment are subject to the benefits and exclusions of your cover.
Our cancer promise
If you have cancer symptoms that start after your policy begins, call us directly. And if appropriate, we can refer you to a consultant right away.
Our full cancer cover means there are no time limits and all of your eligible costs are covered. Just use a hospital or health centre from our network and a consultant that we recognise who charges within our limits. As long as you have cancer cover with your policy, we'll be with you from diagnosis to treatment.
This is our promise to you.
Savings for couples
Couples pay 5% less for a joint policy compared to the price of two separate policies. Both people covered must live at the same address.
The couple offer apply to our Comprehensive and Treatment and Care policies. We may remove or change these offers when you renew.
Cover for the whole family
Families pay 10% less for a joint policy compared to the price of separate policies for each family member. The cover must include at least one adult and one or more children.
You can also add more than one child under 20 years old to your policy and you'll only pay for the eldest child. No matter how many more children you add. You’ll still receive the 10% family discount, too.
The family offer applies to our Comprehensive and Treatment and Care policies. We may remove or change these offers when you renew.
Read our full terms and conditions (PDF, 0.05MB) for more information.
† As of March 2025, 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
