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I don’t have health insurance, but I’d like advice about my
mental health

Know someone who may need help with depression?

If you have a friend, colleague or family member who might be struggling with depression, there are ways we can help. If they have mental health cover as part of their private health insurance, they could refer to our How can Bupa help you section.

If they don’t have any cover, you could suggest specialist organisations such as Mind, Rethink, MHF and Young Minds.

Depression information and support from the experts at Bupa

Our wellbeing platform, Healthy Me, has lots of helpful articles about depression.

How can Bupa help me?

Pre-existing conditions are normally excluded, however, even if you have a history of mental illness, that doesn’t automatically mean we can never support you in future. Every decision we make is based on your personal circumstances, so please call us on 0113 495 0866^ to discuss your options. Here’s some more helpful information about our support for pre-existing mental health conditions.

Our health insurance is designed to cover you for the treatment of conditions that appear after you take out a policy with us, and that includes mental health conditions*. However, even if you have a history of mental illness, that doesn’t automatically mean we can never support you in future.

When you take out a policy, you’ll usually be asked for some medical history. We’ll ask you about any symptoms, treatment or advice you’ve had in the past, including your mental health and wellbeing. How recent that was will affect what we can cover you for in future. Then we’ll tell you how we could support you in future. This is a wide-ranging area, so even if you’ve struggled in the past with similar but unrelated symptoms, we’d still look to see if we can support you.

For example, if you’ve had PTSD before, we could still cover you for future unrelated episodes of stress. And if you’ve had post-natal depression, we could still cover you for unrelated episodes of depression. If we do exclude an existing mental health condition from your Bupa cover, we may be able to review any such exclusion whenever you renew your policy, so do ask us for a review. We can only consider covering you for previously excluded conditions for which you’ve had no symptoms, treatment or advice for at least 12 months**.

Every decision we make is based on your own personal circumstances, so do call us to discuss your options on 0113 495 0866^.

We may record or monitor our calls.


* Please check your policy to see if you have mental health cover.


** The period of time will depend on the condition.

As of 28th November 2019 https://www.nhs.uk/conditions/clinical-depression/

††Direct Access telephone services are available as long as the symptoms are covered under the policy. If your cover excludes conditions you had before your policy started, we’ll ask you to provide evidence from your GP that your symptoms are not pre-existing for a period of up to two years from policy start date (or five years in the case of mental health). We can then refer you to a consultant or therapist through the Direct Access service. Always call us first to check your eligibility.

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

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