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What is health insurance?

Health insurance, often called private medical insurance, is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You will pay a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

You may take out private health insurance because it gives you quick access to medical treatment. We offer different levels of private health insurance cover for you to compare: Comprehensive and Treatment and Care.

Get a quote

Need help understanding the cover that’s right for you?
Call us on 0808 231 8434^

  Defaqto BBY Comprehensive 2019 large. Five stars


What type of health insurance are you looking for?

Our range of cover options allows you to adapt aspects of your health insurance to suit your needs.

Our health insurance benefits

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.

Are you already a member?

If you’ve got Bupa health insurance and need help or treatment, check with Bupa before you visit a GP† and we can help you get the care you need. We can help with:

Cancer concerns     Cardiac     Muscles, bones and joints     Mental health     Moles and skin lesions     Other symptoms

Check with Bupa

Here’s a selection of questions and answers that we’ve already helped our customers with

Health insurance typically covers the cost of treatment for acute conditions that occur after your policy has begun, but there can be exclusions. Pre-existing conditions and cosmetic surgery are often excluded from your health insurance policy, so you won’t be covered for these.

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The cost of your private health insurance will depend on the type of policy you choose. You will pay a monthly subscription for your insurance that covers all or some of the costs of your treatment. Alongside our health insurance, we offer a health cash plan, which allows you to spread the cost of some of your everyday health expenses for a regular, monthly premium.

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Several factors influence the cost of your health insurance. To be fair to everyone, age is one of the things we use to calculate the cost of your policy. Unhealthy lifestyle choices, like smoking for example, may also increase your monthly premium. So if you choose to stop smoking, it’s important to tell us, as this may reduce the cost of your cover.

We will work closely with you to ensure the cost of health insurance is fair and provide you with value for money.

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Firstly, you’ll need to decide what health insurance cover is right for your health and wellbeing needs. We offer two levels of private health insurance cover: Treatment and Care and Comprehensive.

Once you’ve decided which health insurance cover is right for you, it’s easy to get a quote online. You’ll fill out a few personal details and some lifestyle questions, which helps us work out the cost of your health insurance policy.

If you're unsure, please call us on 0808 1154494^ and one of our health advisers will talk you through your options.

^Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12:30pm. We may record or monitor our calls.

An excess is the amount you’ll have to pay when you make a claim on your health insurance policy. The excess you choose can have a big impact on your policy, especially when it comes to deciding the cost of your cover, so it’s important to understand how it will impact your health insurance.

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Pre-existing conditions, and related ailments, are often excluded from your policy because health insurance is designed to treat new conditions that occur after your cover has started. When you take out health insurance cover with us, we’ll normally ask you to fill out a medical history form to help us confirm what your policy will and won’t cover for you.

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Our health insurance cover options

Our private health insurance puts you in control with the choice of two products that you can adapt to suit your needs.

Learn more about private health insurance

Our useful guides are here to help you understand the fundamentals of health insurance. We also cover a number of key health topics – such as looking after yourself as a parent and taking care of your children’s health.

We don’t just provide health insurance.

We have a range of products and services designed with your health in mind.

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

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). We can then refer you to a consultant or therapist through the Direct Access service. Always call us first to check your eligibility.

††As of December 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 Health, 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)

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.

‡‡Customers who live in the Isle of Man, or have a Bupa Standard, Bupa Premium or Bupa Your Choice policy, do not have access to Digital GP provided by Babylon, but can access GP24, provided by HealthHero. Some corporate schemes don't include access to Digital GP or GP24, please check your scheme documents or give us a call.

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

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

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.