Comprehensive health insurance

Outpatient appointments before treatment

These are appointments that you have at a hospital, but where you don’t stay for the day or overnight. You’ll be covered for these if a GP or consultant has referred you for them. You can also be referred by some healthcare practitioners such as physiotherapists.

These appointments are covered in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Tests before treatment

These are tests that you may have at a hospital, but where you don’t stay for the day or overnight. You’ll be covered for these if a GP or consultant has referred you for them. You can also be referred by some healthcare practitioners such as physiotherapists.

These tests are covered in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Scans before treatment

These are scans that your consultant may ask for to help them find out what’s wrong. You may have these scans at a hospital. This could include MRI, CT, or PET scans. You’ll be covered for the costs of these scans in full.

Hospital treatment

You’ll be covered for the cost of your care while you’re being treated in a hospital in your chosen network. We’ll pay the hospital costs in full if you stay for the day or overnight, or if you’re treated as an outpatient. Outpatient means you’re treated in hospital, but you don’t stay for the day or overnight.

Hospital costs for outpatient treatment are covered in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Mental health cover

You’ll be covered for mental health treatment from a consultant or mental health and wellbeing therapist. We’ll cover eligible treatment in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

You may also be covered if you need to be admitted to hospital. This would depend on the terms of your individual policy.

Outpatient therapies

This means you’ll be covered for therapies such as physiotherapy. Outpatient means you’re treated in hospital, but you don’t stay for the day or overnight.

Treatment that's covered by your policy will be paid for in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Tests after treatment

These are tests that take place after treatment. They need to be linked to the treatment you’ve had. You may have these tests while you’re staying in hospital, or you may have them as an outpatient. Appointments are usually covered up to six months after your treatment.

These tests are covered in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Appointments after treatment

These are appointments that come after you've had private treatment in hospital. You'll be covered for these if they're linked to your treatment and if the treatment is covered by your policy. This includes appointments that come after private operations, even if you didn’t need to stay in hospital. Appointments are usually covered up to six months after your treatment.

These appointments are covered in full unless you’ve chosen to put a limit on your outpatient allowance.

If you have put a limit on your outpatient allowance, we’ll pay up to that amount. So, if you have an outpatient limit of £500, and your treatment costs £550, we’ll pay £500, and you’ll pay the remaining £50.

Scans after treatment

These are scans that take place after treatment. We’ll cover these in full if they’re linked to the treatment you’ve had. For example, you may need an MRI, CT, or PET scan. You may have these scans while you are staying in hospital, or you may have them as an outpatient. Appointments are usually covered up to 6 months after your treatment.

Choice of cancer cover

You can choose between two levels of cancer cover when you join:

• Cancer Cover
  If you choose to add our full cancer cover option to your Bupa health insurance policy, all of your eligible treatment costs are paid in full. You must use a healthcare facility from your chosen Bupa network and a Bupa-recognised consultant who agrees to charge within our limits. This is sometimes known as a fee-assured consultant. We're here every step of the way; from your cancer diagnosis to your treatment.


• No cancer cover
  You can choose to exclude cancer cover from your policy.

When you buy our health insurance online, we automatically include full Cancer Cover. If you’d like a quote for health insurance with no cancer cover, you’ll need to call us on 0800 600 500. Lines are open 8am to 8pm Monday to Friday. We may record or monitor calls.

Choice of three hospital networks

You can choose from three hospital networks when you join Essential Access, Extended Choice, or Extended Choice with Central London. If you have treatment that’s covered by your policy at a hospital in your network, we’ll pay the hospital costs in full, as long as you use a fee assured consultant. This is a Bupa recognised consultant whose fees we have agreed to pay.

Anytime HealthLine

With this cover, you’ll get access to Bupa Anytime Healthline, our 24-hour phone line. You can call day or night and talk to our GPs and nurses. And there’s no limit to the number of times you can call.

Dental allowance

Included is one dental appointment at a Bupa Dental Care centre, every year you have cover. This is for everyone, including children. Plus, a £300 allowance each towards keeping your teeth healthy.

Digital healthcare

Speak to GPs, nurses, physiotherapists and mental health practitioners virtually by video or audio in the My Bupa app.

Parent accommodation

If a child needs to stay in hospital for treatment that’s covered under the policy, we’ll pay for one parent to stay with them. The child needs to be 17 or under and included on the policy.

Private ambulance

If you’re admitted to private hospital and it’s medically necessary for you to travel by ambulance, we’ll pay for this. We’ll pay up to £60 for each journey, as many times as you need it.

NHS cash benefit

If you have treatment through the NHS instead of using your health cover, we’ll pay a cash benefit into your bank account.

NHS cancer cash benefit

If you have treatment through the NHS rather than using your health cover, we’ll pay a cash benefit into your bank account. The amount depends on the treatment you have. For example, if you stay overnight in an NHS hospital for cancer treatment, we’ll pay £100 for each night.

You can also claim £100 for NHS treatment you have in hospital without staying overnight, or that you have at home. You could also receive £100 every three weeks if you need to take oral cancer treatments.