Health insurance:
Back to Health insuranceComprehensive
This is our most comprehensive level of health insurance cover rated 5 Star by Defaqto that opens the door to private diagnosis, treatment and aftercare for all your eligible medical needs.
It’s an adaptable package offering two levels of cancer cover or the option to exclude cancer cover (if you would prefer to exclude cancer cover please call us), as well as a choice of out-patient limits and excess levels that let you reduce monthly costs while remaining covered for diagnosis and treatment.
or call us on
0808 256 9436^
† When we say benefits are paid in full - this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee assured consultant). Please note, there are certain exclusions that apply and you should refer to your policy benefits and terms (PDF, 229KB) for full details.
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Out-patient consultations
Paid in full† or, if chosen, up to your annual combined out-patient benefit limit of £500 £750 or £1000.
We’ll pay for all your fees for consultations when you are being seen as an out-patient to diagnose your condition.
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Diagnostic tests
Paid in full† or, if chosen, up to your annual combined out-patient benefit limit of £500 £750 or £1000.
These are diagnostic tests that your GP or consultant may ask for to help assess your condition, such as blood tests or X-rays.
We’ll pay the recognised facilities charges for these in full†, whilst you are undergoing eligible diagnostic tests as an out-patient, day-patient or in-patient to diagnose your condition. Included in this are any changes for interpreting the results of your tests.
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More complicated diagnostic procedures
These are more complicated diagnostic procedures, such as an endoscopy, that your consultant may undertake to determine a diagnosis from your symptoms.
We’ll pay the recognised facilities charges for these in full†, whilst you are undergoing eligible diagnostic tests as an out-patient, day-patient or in-patient to diagnose your condition. Included in this are any changes for interpreting the results of your tests.
We'll pay consultants' fees if, for medical reasons, your consultant has to undertake your diagnostic procedure.
Some more complicated procedures may be subject to your chosen out-patient benefit limit of £500, £750 or £1000.
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Diagnostic scans
Paid in full†
These are scans that your consultant may ask for to help them determine or assess your condition as an out-patient.
We’ll pay scanning facility charges for MRI, CT and PET scans. Included in this are any charges for interpreting the results of the scans.
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Hospital treatment
Paid in full†
This is the eligible treatment and care you have as an out-patient or whilst in hospital. We will pay hospital and clinic charges for your eligible treatment and looking after you whilst in their care.
We'll pay consultant fees (surgeons, anaesthetists or physicians) for your eligible treatment.
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Out-patient therapies
Paid in full†, when using a Bupa recognised therapist or, if chosen, up to your annual combined out-patient benefit limit of £500 £750 or £1000.
This includes therapies such as physiotherapy for your eligible treatment.
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Mental health
Out-patient therapies and consultations
Paid in full† or, if chosen, up to your annual combined out-patient benefit limit of £500 £750 or £1000.
In-patient/Day-case treatment
You have 28 days for in-patient and day-case treatment (combined) each year.
Mental Health benefits include eligible mental health treatment from a consultant or mental health and wellbeing therapist.
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Post diagnosis out-patient consultations
Paid in full† or, if chosen, up to your annual combined out-patient benefit limit of £500 £750 or £1000.
We'll pay your fees for eligible consultations following treatment when you have been referred for this by your GP or a consultant.
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Tests
Paid in full† or, if chosen, up to your annual combined out-patient benefit limit of £500 £750 or £1000.
These are tests that your consultant may ask for following an initial diagnosis. We will pay the recognised facilities charges for these in full, whilst you are undergoing eligible diagnostic tests as an out-patient, day-patient or in-patient to investigate your condition further. Included in this are any charges for interpreting the results of your tests.
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Scans
Paid in full†
These are scans that your consultant may ask for to help them determine or assess your condition following an initial diagnosis.
We’ll pay the scanning facility charges for these in full, whilst you are undergoing eligible diagnostic scans as an out-patient, day-patient or in-patient to investigate your condition further. Included in this are any charges for interpreting the results of your scans.
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Cancer treatment and drugs
Paid in full† if cancer cover is included.
This includes eligible treatment such as surgery, chemotherapy, radiotherapy, bone marrow and stem cell transplants.
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NHS cash benefits
We’ll pay a cash benefit for treatment provided to you free under the NHS when it would have been eligible for private treatment under your benefits.
- For in-patient treatment, you will receive £50 per night up to 35 nights per year.
- In relation to cancer treatment, you will receive £100 per night of an in-patient stay, as follows:
- radiotherapy: for each day radiotherapy is received in a hospital setting
- chemotherapy: for each day you receive treatment for IV-chemotherapy and for each three-weekly interval of oral chemotherapy, or part thereof
- a surgical operation: on the day of your operation
We only pay this benefit once even if you have more than one eligible treatment on the same day.
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Treatment at home
Paid in full†
Certain eligible treatments such as chemotherapy could potentially be administered in your home instead of a hospital. This benefit is subject to your consultant’s and Bupa’s approval.
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Procedure specific NHS cash benefits
For certain conditions, we offer cash payments in place of private treatment if you choose to be treated by the NHS.
- 1. Cancer
- 2. Cardiac
- 3. Eye-Care
- 4. Musculoskeletal conditions; and
- 5. Obstetrics and Gynaecology.
We know that these payments often help you stay in control of your finances while you're unwell and receiving hospital treatment. You can choose to spend this however you wish.
The procedure specific cash benefits offered may be changed from time to time. If you choose to accept a procedure specific NHS cash benefit, Bupa will not withdraw the offer unless you change your mind.
We recommend that you discuss your options with your consultant. It's entirely your choice whether you choose to receive a procedure specific NHS cash benefit or receive private treatment. There's no obligation for you to have future treatment within the NHS. You're free to revert back to private treatment if you wish to do so. For more information or to discuss your options, please call us on 0345 609 0999. ^ -
Home nursing
Paid in full†
We’ll pay for home nursing charges immediately following private eligible in-patient treatment that is covered under your policy. This benefit is subject to our approval.
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Private ambulance
We'll pay for travel by private ambulance if you need private day-patient treatment or in-patient treatment, and it's medically necessary for you to travel by ambulance:
Up to £60 per journey with no annual limit.
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Bupa Anytime HealthLine
Whether you need medical advice or just want to speak to someone about making improvements to your lifestyle, our Anytime HealthLine is here to help. You’ll be able to call our nursing team at any time, day or night and if you need more help, one of our GPs will aim to call you back within the hour.
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Choice of hospitals
Choosing a hospital network that's right for you.
Once you have chosen your Bupa By You product – either Comprehensive or Treatment and Care - you can change the price through the hospital access that you choose. By limiting the access you have, you can reduce the amount you pay on a monthly basis.
Some networks do not have hospitals in some areas, so you should check that you're happy with the distance you'll have to travel to the nearest hospital in your chosen network. The hospital network lists can change from time to time.
Search on Finder for a list of hospitals near you.
Essential Access
This is the lowest cost option where you’ll gain access to a limited national hospital network, including a selection of private hospitals and clinics. Treatment is covered in a selection of private hospitals outside of central London.
Extended Choice
This option offers more choice than Essential Access as you'll gain a longer list of hospitals and clinics available to you. Extended Choice also includes a limited selection of hospitals and clinics in central London.
Extended Choice with Central London
You can benefit from all the advantages of Extended Choice, plus a much larger selection of hospitals and clinics in central London, with this option.
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Out-patient limit
£500 £750, £1000 or no limits
Adding out-patient limits means you can reduce monthly costs while still being covered for diagnosis and treatment.
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Cancer cover options
There are two options for you to choose from;
Cancer Cover
Paid in full†
You’ll be covered for all private cancer treatment from diagnosis including eligible treatment such as surgery, chemotherapy, radiotherapy and bone marrow and stem cell transplants.
NHS Cancer Cover Plus
Paid in full†
You’ll receive cancer treatment in the NHS following diagnosis and will only be covered when the radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available to you under the NHS.
If you would prefer to exclude cancer cover please call us.
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Policy excess
You can choose an excess from £0 to £500.
An excess is applied once every membership year that you claim. Choosing a higher excess will help to reduce your monthly premiums.
Cover exclusions
Health insurance does not generally cover pre-existing conditions. You won’t need to attend a medical but underwriting will apply.
There are also certain conditions and treatments that, whichever plan you choose, will not be covered. These include chronic long-standing conditions like diabetes, or cosmetic surgery. Details of the full list of exclusions can be found in the Bupa By You policy benefits and terms (PDF, 229KB).
Health insurance explained
^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.
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.
