What is Comprehensive health insurance?

Our highest level of cover, Comprehensive health insurance from Bupa is there for both private diagnosis and treatment from start to finish. It’s an adaptable package with two levels of cancer cover including the option to exclude it altogether (cancer cover cannot be excluded online).

If you are happy to be diagnosed by the NHS, take a look at our Treatment and Care health insurance.

How much does Comprehensive health insurance cost?

Health insurance policies are unique, and the cost will depend on the level of cover you want. For example, you can choose the level of excess you want to pay, and your policy benefit limits. You can also choose to call if you’d like to exclude cancer cover.

You can get a personalised quote for Comprehensive cover. The cost of our policies depend on different factors, including age, lifestyle and where you live.

What does Comprehensive health insurance cover?

What isn’t covered by Comprehensive health insurance?

Learn more about private health insurance

Get a better understanding of our health insurance cover. We also cover topics such as looking after yourself as a parent and looking after your children’s health.

You can ask the NHS to refer you to a private hospital for healthcare services if:

  • you have a private health insurance policy and would like to use your policy to claim for your treatment.
  • you don’t have private health insurance, but you’d like to pay for your own treatment at a private hospital. Private treatment can also be paid for on a pay-as-you-go basis in our nationwide health centres and in London’s Cromwell Hospital. We have a wide range of pay-as-you-go treatments available, from physiotherapy appointments to hip surgery and access to private GPs.
  • you’ve had an NHS appointment and would like a second opinion on your treatment plan or diagnosis from a private healthcare expert.
  • you’d like to make improvements to your health and lifestyle and feel you’d benefit from a health assessment.

If you have a Bupa health insurance policy, you may be able to get referred for treatment with a private specialist within an NHS hospital or health centre.

For most medical treatment to be covered, you normally need to see a GP to obtain a referral to a specialist or consultant. A referral letter is usually provided, as consultants and specialists need to understand why a patient is being referred to best treat, diagnose, and guide them through a treatment plan. We do understand that there are some circumstances that a GP appointment may not be clinically necessary, and you may be referred by another Healthcare Practitioner. However, if you have health insurance with Direct Access cover and are worried about symptoms concerning cancer, mental health or muscles, bones and joints, you can call us directly for advice and treatment usually without the need for a GP referral.

Most of our health insurance customers also have access to Digital GP, an app provided by Babylon which gives you 24/7 access to GP appointments with a simple tap of your phone††. Learn more about Digital GP

A doctor cannot refuse to treat a patient based on their personal views when it comes to a patient’s lifestyle. However, if a doctor has a legitimate objection or concern about a procedure, they can refuse to carry out a treatment. Should this happen, all patients have the right to see another doctor, if they wish to.

Any treatment carried out on the NHS is free, regardless of if you have private medical insurance or not. If you don’t have private medical insurance, the NHS won’t pay for private treatment.


Comprehensive Defaqto 2022 

Get a health insurance quote with us now

Our health insurance is designed to suit you. You can get a personalised quote by chatting to us and answering a few questions about you and your health and lifestyle.

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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’ll 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). Always call us first to check your eligibility.

††Customers who live in the Isle of Man do not have access to Digital GP provided by Babylon but can access GP24 provided by HealthHero.

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 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.