What benefits do you get with private health insurance?
Bupa health insurance does more than just care for your physical and mental health. It gives you peace of mind when you need it most.
Benefits include access to our quick and easy digital GP service‡ and to a choice of private hospitals. Our private health insurance also includes mental health support for a range of conditions.
Our health insurance benefits
Bupa private medical insurance looks after your health and your wellbeing. You can expect all of this and more:
Come to us direct, before talking to a GP
If you have Direct Access and are worried about cancer, mental health or muscles, bones and joints, you can call us directly. We'll check that your issue is covered and let you know if you can get treatment without a GP referral. We'll explain your next steps and could even refer you to a specialist on the call.
Access to breakthrough cancer drugs
Our cancer cover can offer some cancer drugs and treatments before they're available on the NHS. Helping you get the medicines you need, faster. Any drugs or treatments will need to be evidence-based and covered by your policy.
Nurses ready to help, every hour of the day
Late at night or first thing in the morning, our Anytime HealthLine connects you to a qualified nurse when you have a health concern. Clear and simple advice from someone who cares.
Whatever the mental health condition, we’ll be there.
Your emotional wellbeing is as important as your physical health. That's why we cover more mental health conditions than any other leading UK insurer.†
Talk to a doctor online, 24/7
Most Bupa cover includes Bupa Blua Health, or another digital GP service. This means you can talk to a GP within 24 hours - day or night. Book a video or phone call from home, work or wherever. And if you're happy to pay for a private prescription, you can pay to have it delivered to your door.
Rewards from brands you know and love
Fitness, nutrition, relaxation, getting outdoors. Whatever works for your wellbeing, we want to save you money on it.
Get a quote with us now
Our health insurance is designed to suit you. You can get a personalised quote by answering a few questions about your health and lifestyle.
What's not covered on any policy?
- Life events like pregnancy, menopause or ageing.
- 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.
- Out-patient 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
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.
In-patient and out-patient cover
Find out what terms like in-patient and out-patient 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.
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 questions about you and your health and lifestyle.
Call us for a quote on
0808 115 4172
We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm.
†As of February 2023, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa By You health insurance and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.
See PDF How we compare: Individuals (PDF 0.9MB)
‡Customers who live on the Isle of Man, or have a Bupa Standard, Bupa Premium or Bupa Your Choice policy, do not have access to Bupa Blua Health, but can access GP24 provided by HealthHero. Some corporate schemes don t include access to Bupa Blua Health or GP24, so please check your scheme documents or give us a call.
Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are powered by Babylon Healthcare Services Limited, registered in England and Wales with number 09229684, registered office: 1 Knightsbridge Green, London SW1X 7QA.
Bupa Anytime HealthLine, Bupa Blua Health and Rewards by Bupa are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Rewards by Bupa is promoted by Bupa Investments Limited, 1 Angel Court, London EC2R 7HJ. Terms and conditions can be found at bupa.co.uk/rewards
Bupa Investments Limited will use your information for the purposes of the administration of Rewards by Bupa. For details of how your information will be processed by Bupa, please visit: bupa.co.uk/privacy.
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.
