Compare our health insurance plans
If you’re still unsure which health insurance plan is right for you, we’ve got you covered. Choose between our two cover options, Comprehensive health insurance and Treatment and Care.
Need help understanding which cover is right for you?
Call us on 0345 609 0111
We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm.
Two plans to choose from
Comprehensive health insurance
- Our highest level of cover.
- Covers both private diagnosis and treatment.
Treatment and Care health insurance
- Covers private treatment but not private diagnosis.
- For those who are happy to be diagnosed by the NHS but would like to receive treatment privately.
Compare health insurance plans
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Comprehensive
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Treatment and Care
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Diagnosis |
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Outpatient appointments before treatment |
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Tests before treatment |
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Scans before treatment
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Treatment |
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Hospital treatment
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Mental health cover
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Outpatient therapies
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Tests after treatment
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Appointments after treatment
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Scans after treatment
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Digital healthcare
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Cancer cover |
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Choice of cancer cover
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Treatment in hospital |
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Choice of 3 hospital networks
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Dental allowance |
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Dental appointment + £300 allowance
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Other benefits |
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Anytime HealthLine
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Parent accommodation
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Private ambulance
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NHS cash benefit
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NHS cancer cash benefit
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Comprehensive
More about |
Treatment and Care
More about |
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Diagnosis |
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Outpatient appointments before treatment |
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Tests before treatment |
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Scans before treatment
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Treatment |
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Hospital treatment
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Mental health cover
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Outpatient therapies
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Tests after treatment
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Appointments after treatment
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Scans after treatment
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Digital healthcare
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Cancer cover |
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Choice of cancer cover
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Treatment in hospital |
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Choice of 3 hospital networks
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Dental allowance |
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Dental appointment + £300 allowance
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Other benefits |
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Anytime HealthLine
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Parent accommodation
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Private ambulance
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NHS cash benefit
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NHS cancer cash benefit
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Need help understanding this?
See our Comprehensive and Treatment and care pages.
What’s not covered on any policy?
- Life events like pregnancy, menopause or ageing.
- Allergies and food intolerances.
- Allergies and food intolerances.
- Conditions you had before your policy started.
We also call these pre-existing conditions. Your policy usually won’t cover injuries or conditions you had before your cover started.
For example, if you had a knee injury in March, and then took out health cover in June, your new policy wouldn’t cover this injury. You also couldn’t claim for any tests or treatment related to the knee injury. This is because your symptoms began before you had cover. - Ongoing health issues with no known cure,
We also call these chronic conditions. Diabetes and asthma are examples of ongoing health issues with no known cure. Your policy usually won’t cover treatment related to ongoing or chronic issues.
There are some exceptions. Bupa may cover ongoing care for mental health or cancer. Even if there is no cure.
There are other exceptions to the rules that might apply to you. So, if you have a question, it’s worth getting in touch.
What’s not covered on our Treatment and Care policy?
Our Treatment and Care policy also has these three exclusions. These are as well as the exclusions that apply to all policies.
- Outpatient appointments before treatment
These are appointments that a GP or specialist might recommend that you have before you’re diagnosed. You might have these at a hospital, but you wouldn’t need to be admitted for the day or stay overnight. These appointments would help to diagnose what’s wrong with you. - Tests before treatment
These are tests that a GP or specialist might recommend before you’re diagnosed. The tests would help to diagnose what’s wrong with you. - Scans before treatment
These are scans that a GP or specialist might recommend before you’re diagnosed. The scans would help to diagnose what’s wrong with you.
Our Treatment and Care policy is designed for those who are happy to be diagnosed by the NHS. It doesn’t cover appointments, scans or tests that you may need before you are diagnosed. If you’d like to include these, see our Comprehensive health insurance.
Important documents
Check our Comprehensive and Treatment and Care cover summaries for a quick overview of what’s covered in each policy. Or see Policy benefits and terms for full details. Our booklet, Important points about your cover, has examples showing how our cover works.
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.
Private health insurance exclusions
Before you take out health insurance, check what is and isn’t covered.
Inpatient and outpatient cover
Find out what terms like inpatient and outpatient cover mean.
Getting insurance when you’re self-employed
We’ve put together some FAQs about health insurance when you’re self-employed.
Will I need an excess on my health insurance policy?
Health insurance policies often include an excess. See our guide to understanding how excess works.
There are several benefits of taking out health insurance. If you develop a condition, you’ll have quick access to the treatment you need to help you back on the road to recovery.
Costs for treatments that are covered by your policy will be paid in full, as long as you:
- Use a fee-assured consultant. This means we have agreed to pay their fee in full.
- Get treatment from a hospital in your chosen network.
This could also depend on the terms of your individual policy.
Once you're a member, you can use your policy straight away for any conditions that begin after your policy start date. We may need to ask you some questions to check your policy covers the condition. For example, conditions that you had before your policy began are not covered.
You can also start to use our digital GP service and call our health lines, as soon as you have signed up.
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 your health and lifestyle.
Get a quote online
Call us for a quote on
We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm.
Contact us
Bupa Anytime Healthline is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
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 Digital GP services are provided by Bupa Occupational Health Limited. Registered in England and Wales with the registration number 631336.
Registered office: 1 Angel Court, London EC2R 7HJ.
Digital GP services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Bupa Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court,London EC2R 7HJ.
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.
Page last reviewed: 25/11/2024
