Navigation


What's covered

You’ll find full details of what your cash plan does and doesn’t cover in your welcome pack, which we sent when you first joined. This includes your benefit limits and terms and conditions.

You’ll find standard tables of cover and membership guides here on our website. However, this may vary depending on your chosen product.

Your welcome pack has all of the information you should need, including your welcome letter, membership guide and table of cover. We sent this to you when you first joined. You’ll find your membership number on your welcome letter and, if you’re an individual customer, on your annual benefit renewal letter and any other communications from us. These documents include details of your benefits, benefit limits, limitation and exclusions and other terms and conditions including how to claim. You can find the tables of cover, membership guides and claim form online.


For individuals: See tables of cover and membership guides here: https://www.bupa.co.uk/health/health-insurance/cash-plan


For small business customers: See tables of cover and membership guides here: https://www.bupa.co.uk/business/small-business-healthcare/products-and-services/cash-plans-for-employees


For corporate business customers: See standard tables of cover and membership guides here: https://www.bupa.co.uk/business/corporate-healthcare/products-and-services/cash-plans-for-corporate-businesses

Yes. You can make a claim as normal in line with your terms and conditions. You’ll find information on how to make a claim in your membership guide under section ‘3 - making a claim’.

You can find out more information here https://www.bupa.co.uk/help-and-support/individuals/cash-plan

Click here to claim online, or download your cashplan claim form here (PDF, 0.2MB).

As of 12 March 2020, the World Health Organisation (WHO) officially recognised the coronavirus as a pandemic. Treatment of and /or treatment, goods or services arising from any pandemic are excluded under the cash plan policy. However, Bupa has decided to waive this exclusion for any hospital in-patient stays and hospital day-case admissions benefit claims relating to the coronavirus starting from 12 March 2020.

Claims for all other benefits will continue to be processed in line with your terms and conditions, and the pandemic exclusion will apply to relevant benefits, such as consultations and diagnostic tests or scans, where these benefits are included in your policy.

Please note: if you have a non-standard cash plan arrangement, please refer to your membership guide in reference to pandemic exclusions.

Some claims may take a little longer than normal due to the impact of COVID-19. However, if you make a claim online, you will receive an email to confirm we’ve received your claim. We will process your claims as soon as possible and, if we have your mobile number, we will send a message to confirm the outcome.

We will only pay eligible claims where premiums have been paid up to date. Please also refer to section 2 of your membership guide.

Information on how to make changes to your policy can be found in your membership guide. Please see section ‘2.9. Changes you can make’.

For individuals, you can find out more about the cash plans that we offer and further information on how to join here: https://www.bupa.co.uk/health/health-insurance/cash-plan.

For small business customers, you can find out more about the cash plans that we offer and further information on how to join here: https://www.bupa.co.uk/business/small-business-healthcare/products-and-services/cash-plans-for-employees

For corporate business customers, you can find out more about the cash plans that we offer and further information on how to join here: https://www.bupa.co.uk/business/corporate-healthcare/products-and-services/cash-plans-for-corporate-businesses

You can find out how to cancel your cash plan in your membership guide. If you have an individual cash plan, please see section ‘6 .Your right to cancel or end this agreement’. If you have a small business or corporate product, please see section ‘7 .Your right to cancel or end this agreement’.

We remain open to new business and customers wishing to upgrade their cover or switch from another provider, please get in contact if you'd like to discuss your options.

We are not offering payment holidays at this stage, we have delivered measures to ensure you can continue to receive value from the product. As the situation with COVID-19 develops we don’t yet know how long it will last or what the overall impact will be on the services that our customers use. We'll keep monitoring the situation and will continue to make sure we review ways in which we can provide our customers with value during this time.

In response to the Covid-19 pandemic, you now have an extended range of services that you can use from home, including virtual dental and physiotherapy services, depending on your policy. There’s no need to worry about the costs of exceptional PPE on dental benefit(s) as we’ve got this covered for now, subject to your policy terms and conditions and benefit limits. This means for any claims dated from 13th July 2020 until the end of year, we’ll pay for the cost of treatment and the additional PPE costs as a policy exception out of the relevant dental benefit subject to your terms and conditions and normal benefit limit.

We’ve also temporarily waived until further notice the usual claims for any hospital in-patient stays and hospital day-case admissions relating to COVID-19 which began from 12 March 2020, where this is included in your policy. This means until further notice any claims for hospital in-patient stays and hospital day-case admissions relating to COVID-19 will be processed in line with the policy benefit limits and other terms and conditions.

As a result of the pandemic we are extending access to our online health check benefit to the main member on all of our cash plan policies until the end of 2020. Our online health check is a wellbeing portal which provides a lifestyle score with recommendations and access to online coaching and support tools. We have written to customers with details of how they can access this benefit.

We continue to process claims for all other benefits in line with the existing standard terms and conditions for the cash plan. The pandemic exclusion will continue to apply to all other relevant benefits, such as consultations and diagnostic tests or scans where these are included in your policy, unless we inform you otherwise.

The situation is changing regularly, therefore we will continue to review our plans in accordance with government and clinical safety guidance, and we plan to review our position at the end of 2020.

The General Dental Council requires dentists to introduce a range of safety measures, including all patients, clinical and practice teams wearing exceptional PPE to minimise the risk of cross contamination when meeting patients.

The cost of PPE can be significant and additional charges for exceptional PPE would not typically be covered by our cash plan policies. However, we’re covering the cost of exceptional PPE for dental treatments up to benefit limits for the remainder of 2020 as a policy exception where dental benefits are included in your policy. This means for any claims dated from 13th July 2020, we’ll pay for the cost of treatment and the exceptional PPE costs out of the relevant dental benefit subject to your normal benefit limit and terms and conditions.

Treatment of and /or treatment, goods or services arising from any pandemic is normally excluded under the cash plan policy. However, we have decided to temporarily waive this exclusion for any hospitalhre in-patient stays and hospital day-case admissions claims relating to COVID-19 starting from 12 March 2020 until further notice. Please visit our website bupa.co.uk/ coronavirus/cash-plan for further updates.,

Claims for all other benefits will continue to be processed in line with our existing standard terms and conditions. Except as described above for hospital cash benefits, the pandemic exclusion will apply to relevant benefits, such as consultations and diagnostic tests or scans, where these benefits are included in the policy, unless we inform you otherwise. Please visit our website bupa.co.uk/ coronavirus/cash-plan for further updates.

For customers with a consumer policy:

You can cancel your policy at any time. If you would like to cancel, information on how to do this can be found in your membership guide. If you decide to re-join at a later date, you can only join a product (in line with other age and eligibility criteria) that is available at that time, which may not be the same as the product that you are currently on. The only qualifying period that is applicable to cash plans is on products that include the birth and adoption benefit, which is subject to a one year qualifying period. Please refer to your table of cover or membership guide for further information.

For customers with cover via your employer: You will need to contact your HR department as we are unable to do this for you directly.


NHS online coronavirus service


Get the latest health advice from the NHS on what to do if you or your employees have symptoms of, or have been exposed to, coronavirus (COVID-19).

Here you’ll find information and advice from our experts to help you stay healthy in body, and mind.

Bupa Cash plan 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: 1 Angel Court, London EC2R 7HJ

**Bupa Health Clinics: Services are provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London, EC2R 7HJ.

ajax-loader