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Health insurance

What is health insurance?

Health 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 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. The level of cover you get will depend on the policy you take out. We have two different levels of private health insurance cover: Treatment and Care, and Comprehensive. 



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Step 1 of 3 - Your details

Please make sure that all of the information you provide is correct, as inaccurate information may affect your cover should you come to claims.

Title*
Gender*
Occupation*
Smoking Status*

Our health insurance

Our healthcare schemes and services aim to keep your employees feeling their best, which could improve productivity and contribute towards a healthier, happier business.

Our business health insurance, Select, has three levels of cover to choose from as well as a wide range of benefits for your employees:

  • access up to 600 hospitals in our networks
  • cancer cover as standard
  • mental health cover as standard
  • cover for eligible out-patient consultations and treatment
  • facility charges for eligible in-patient and day-patient treatment in a Bupa recognised facility within your chosen network are paid in full
  • cover for eligible musculoskeletal conditions, to care for your muscles, bones and joints
  • access to the Babylon Digital Healthcare app for unlimited GP appointments 24/7 and symptom checker
  • access 24/7 Bupa Anytime Healthline and Bupa Rewards for all employees

Download our guide for details of main benefits covered, plus standard exclusions: Products at a glance (PDF, 0.8MB).

To compare prices between the three different levels of Select health insurance, follow the link to get a guide price.

Get a guide price

 

Key benefits

Select Key - Our base level

Select Enhanced - 
Extra cover for added reassurance

Select Complete - 
Our highest tier of cover

Access to facilities nationwide

Over 300 partnership facilities

Over 300 partnership facilities

Over 600 partnership facilities

Out-patient cover for consultations, X-rays and diagnostic tests

£1,000 per year

£1,500 per year

Paid in full†

Out-patient complementary therapies medicine treatment

Up to £250 within out-patient benefit limit above Up

Up to out-patient benefit limit above

Paid in full††

Out-patient MRI, CT and PET scans

Paid in full ††

Paid in full††

Paid in full††

Consultant fees and facility charges

Paid in full††

Paid in full††

Paid in full††

Cancer cover

Paid in full‡

Paid in full‡

Paid in full‡

Mental health treatment

Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants

Babylon Digital Healthcare

Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included)

NHS cash benefit

£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment

Excess options

£0, £100, £150, £200, £500

£0, £100, £150, £200, £500

£0, £100, £150, £200, £500

Key exclusions

Ageing , menopause and puberty, AIDS/HIV, Allergies or allergic disorders, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatmet, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.
Please refer to the Bupa Membership Guide for our full list of exclusions

Key benefits

Select Key - Our base level

Select Enhanced - 
Extra cover for added reassurance

Select Complete - 
Our highest tier of cover

Access to facilities nationwide

Over 300 partnership facilities

Over 300 partnership facilities

Over 600 partnership facilities

Out-patient cover for consultations, X-rays and diagnostic tests

£1,000 per year

£1,500 per year

Paid in full†

Out-patient complementary therapies medicine treatment

Up to £250 within out-patient benefit limit above Up

Up to out-patient benefit limit above

Paid in full††

Out-patient MRI, CT and PET scans

Paid in full ††

Paid in full††

Paid in full††

Consultant fees and facility charges

Paid in full††

Paid in full††

Paid in full††

Cancer cover

Paid in full‡

Paid in full‡

Paid in full‡

Mental health treatment

Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants

Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants

Paid in full up to 45 days each year for eligible treatment in recognised facilities with fee-assured consultants

Babylon Digital Healthcare

Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included)

Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included)

Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included)

NHS cash benefit

£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment

£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment

£50 a night for up to 35 nights a year for treatment that would have otherwise been covered for private in-patient treatment

Excess options

£0, £100, £150, £200, £500

£0, £100, £150, £200, £500

£0, £100, £150, £200, £500

Key exclusions

Ageing , menopause and puberty, AIDS/HIV, Allergies or allergic disorders, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatmet, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.
Please refer to the Bupa Membership Guide for our full list of exclusions

Ageing , menopause and puberty, AIDS/HIV, Allergies or allergic disorders, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatmet, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.
Please refer to the Bupa Membership Guide for our full list of exclusions

Ageing , menopause and puberty, AIDS/HIV, Allergies or allergic disorders, Birth control, conception, sexual problems and gender reassignment, Chronic conditions, Cosmetic, reconstructive or weight loss treatmet, Deafness, Dialysis, Eyesight, Pregnancy and childbirth, Screening, monitoring and preventative treatment, Sleep problems and disorders, Speech disorders.
Please refer to the Bupa Membership Guide for our full list of exclusions

†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) or a Bupa recognised complementary medicine practitioner.

††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.

You may also be interested in our other schemes and services

Ways to get in touch...

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With Bupa cancer cover there are no time limits and all your eligible treatment costs are paid in full for as long as you have Bupa health insurance. If your employer has selected an overall annual maximum benefit, eligible costs will be paid up to that limit. You must use a healthcare facility from your chosen Bupa network and a Bupa-recognised consultant, who agrees to charge within our limits (a fee-assured consultant).

When we say paid in full, it means that all your costs are paid in full for eligible treatment when you use a healthcare facility within your chosen Bupa network, using a partnership consultant who agrees to charge within Bupa limits (a fee-assured consultant). For consultants who are not partnership consultants, we pay up to the limits of the consultant fee schedule.

Bupa Health Insurance and Dental Insurance are 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. 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.

Offer Terms and Conditions

1. This offer is available to UK residents aged 18+ who purchase a new Bupa Select company health insurance policy directly through Bupa for their small or medium sized business (“SME”). The offer only applies to new SME customers, including those switching from an alternative company health insurance provider, and is not available for existing Bupa SME customers or available on any other Bupa products or services.
2. The offer is not available to customers purchasing a Bupa Select policy via an intermediary and is only available to customers purchasing a company health insurance policy to cover 2 to 249 employees.
3. This offer is only available for new or switching customers for whom a quote is provided between 07 January 2019 and 28 February 2019 inclusive (the “Quote”). Quotes are valid and able to be accepted for 28 days but the policy start date on your Quote must be between 07 January 2019 and 28 February 2019 inclusive. In addition to the terms set out herein, Bupa’s standard Bupa Select policy terms and conditions will apply in full.
4. The discount amount is based on 20% of the total annual subscription amount that would otherwise be payable by you for your SME Bupa Select policy. Your discounted subscription amount will be stated in your Quote and shall be your base price going forward for your SME Bupa Select policy. At renewal of your policy, this base price will be used when calculating your renewal premiums. We also consider additional factors such as (but not limited to) claims history, age of members, the rising cost of healthcare and IPT and these will be factored into each year’s renewal subscription.
5. Bupa reserves the right to decline to offer a company health insurance policy in its absolute discretion, and Bupa’s decision regarding any aspect of this promotion is final.
6. Bupa reserves the right to cancel, suspend, amend or withdraw the promotion at any time.
7. The offer is non-exchangeable, non-transferable, has no cash value/alternative and cannot be used in conjunction with any other offers or discounts.
8. Bupa will use any personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy.
9. The promotion and these terms and conditions are governed by English law and the parties submit to the jurisdiction of the courts of England and Wales.

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