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.
Health insurance with dental care now included
Our private health cover now comes with one dental appointment at a Bupa Dental Care centre. This is for everyone, including children, every year you have cover.
Plus, a £300 allowance each towards keeping your teeth healthy.
Your questions answered about benefits
Transcript
Who are you?
Hi, my name's Kelly Holden. I'm a corporate account manager at Bupa.
Come and ask me your questions today about your health insurance and even what
you might be covered for.
How do I get the most out of my policy - if I don't need to claim?
You don't need to claim to
get the most out of your policy.
You can access our digital gps.
You can also use the Anytime Healthline,
and also you can access lots of content
and support through our inside health events
and through our websites.
Can I use my cover straight away?
As soon as your cover starts, you can speak
to a digital GP
or you can speak to one of our nurses on
the Anytime Health Line.
There's also lots
of health content available on our website that you can access.
If you do need to see someone, then just call us
to authorise this, and as long as your symptoms started
after your cover started, that should be okay.
In some cases, when you make a claim early on, we may need
to speak to your gp.
Are there any rewards?
Yes, there are lots of rewards for being with Bupa to save you money on health,
leisure, and wellbeing. Just visit our website for more information.
What's Anytime HealthLine?
In a nutshell,
it's a helpline stuffed by Bupa nurses who are available anytime
day or night to help with any health concerns that you may have,
big or small.
They're there to provide you with reassurance and guidance on the next steps.
Hopefully putting your mind at rest.
Is there a limit to the number of phone calls I can make to the Anytime HealthLine?
There are no limits to the amount of times you can call the Anytime Healthline.
They're available all year round,
anytime day or night to help with any health concerns that you may have.
Where can I find health advice?
Bupa's website at Bupa dot co.uk hosts a whole array of health
content and expert advice.
We have content from our health ambassadors and clinical expertise.
We also have our inside health content,
which will be delivered straight to your mailbox.
What is a platinum consultant?
Platinum consultants are covered by all of our healthcare policies and schemes.
They ared,
which means that you won't get any unexpected bills to pay for your eligible
treatments. They're rated 97% good or excellent by Bupa patients,
and they're also part of our Open Referral Network.
You can find our consultant and facilities finder highlights our platinum
consultants on our website.
Can I get help or treatment at home?
If you do need treatment at home, then this will depend on
what your policy covers you for
and the symptoms that you're experiencing.
This will be assessed on a case by case basis,
and there may be occasions when we may not be able
to cover treatment at home.
Do I get a no claims discount?
You will have a no claims discount applied when you join us.
Then depending on if you have or haven't claimed your no claims discount may
be affected when you renew with us.
If you've got any questions regarding how the No Claims discount works,
just give us a call and we'll help you through it.
Our health insurance benefits
Bupa private medical insurance is designed to suit your health and wellbeing needs, and you can expect all of this and more:
Dental care for all the family
Everyone with our health insurance can have one appointment at a Bupa Dental Care practice every year. This includes children. You’ll also get a £300 allowance each towards any restorative treatment you need. This covers things like fillings or crowns.
Fast and convenient access to healthcare
Most Bupa cover includes access to digital healthcare in the My Bupa app. Save time with our digital appointments where you can speak to GPs, nurses, physiotherapists and mental health practitioners face-to-face or virtually.
Whatever the mental health condition, we’ll be there
We believe emotional wellbeing is as important as physical health. That’s why we cover more mental health conditions than any other leading UK insurer.‡
Come to us direct, without waiting to see 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.
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.
- 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
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 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
We may record or monitor our phone calls. Lines are open Monday to Friday 8am to 8pm.
† Some corporate schemes don't include access to digital GP, so please check your scheme documents or give us a call.
‡ As of March 2025, 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 1MB)
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 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.
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 with registration number 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 with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.
Page last reviewed: 02/12/2024
