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Diagnosed by the NHS. Treated privately.

 

 

 

What is Treatment and Care health insurance?

We have two health insurance products to choose from – Comprehensive and Treatment and Care. Our Comprehensive health insurance covers both private diagnosis and treatment. Our Treatment and Care health insurance policy covers the cost of private treatment for those who are happy to be diagnosed by the NHS.

Both of our products offer two levels of cancer cover, including the option where we will cover your radiotherapy, chemotherapy, drug therapy or surgical operation if it is not available to you with the NHS.

There's also the option to exclude cancer cover if you call us. We also have a choice of excess levels that let you reduce monthly costs while remaining covered for eligible treatment and aftercare.

How much does Treatment and Care health insurance cost?

Lots of things can impact the cost of your Treatment and Care health insurance. We aim to set your price as fairly as we can. Age is one factor we use to calculate your policy. Healthcare costs are different around the country and they also change at different rates each year. Unhealthy lifestyle choices, such as smoking, can also increase the cost of your cover.



Get a quote

Need help understanding the cover that’s right for you?
Call us on 01134950976^

What's included

Treatment and care

 Pre-treatment out-patient consultations care-pre-treatment out-patient consultationsQuestion mark

 Pre-treatment out-patient diagnostic testscare-pre-treatment out-patient diagnostic testsQuestion mark

 Pre-treatment MRI, CT and PET scans care-pre-treatment-MRI-CT-and-PET-scansQuestion mark

 Hospital treatment treatment-hospital-treatmentQuestion mark

 Mental health cover treatment-mental-health-coverQuestion mark

 Out-patient therapiestretament-out-patient-therapiesQuestion mark

 Post treatment diagnostic tests care-post-treatment-diagnostic-testsQuestion mark

 Post treatment out-patient consultations care-post-treatment out-patient consultationsQuestion mark

 Post treatment scans care-post-treatment-scansQuestion mark

 A choice of either full cancer cover, NHS
Cancer Cover Plus or no cancer cover treatment-a-choice-of-full-cancer-coverQuestion mark

 Anytime HealthLinetreatment-anytime-healthLineQuestion mark

 Parent accommodation treatment-parent-accommodationQuestion mark

 Private ambulance treatment-private-ambulanceQuestion mark

 NHS cash benefit treatment-nhs-cash-benefitQuestion mark

 NHS cancer cash benefit treatment-nhs-cancer-cash-benefitQuestion mark

 We have three hospital networks to choose
from - Essential Access, Extended Choice and
Extended Choice with Central London three-hospital-networksQuestion mark

What's included

Treatment and care

 Pre-treatment out-patient consultations care-pre-treatment out-patient consultationsQuestion mark

 Pre-treatment out-patient diagnostic testscare-pre-treatment out-patient diagnostic testsQuestion mark

 Pre-treatment MRI, CT and PET scans care-pre-treatment-MRI-CT-and-PET-scansQuestion mark

 Hospital treatment treatment-hospital-treatmentQuestion mark

 Mental health cover treatment-mental-health-coverQuestion mark

 Out-patient therapiestretament-out-patient-therapiesQuestion mark

 Post treatment diagnostic tests care-post-treatment-diagnostic-testsQuestion mark

 Post treatment out-patient consultations care-post-treatment out-patient consultationsQuestion mark

 Post treatment scans care-post-treatment-scansQuestion mark

 A choice of either full cancer cover, NHS
Cancer Cover Plus or no cancer cover treatment-a-choice-of-full-cancer-coverQuestion mark

 Anytime HealthLinetreatment-anytime-healthLineQuestion mark

 Parent accommodation treatment-parent-accommodationQuestion mark

 Private ambulance treatment-private-ambulanceQuestion mark

 NHS cash benefit treatment-nhs-cash-benefitQuestion mark

 NHS cancer cash benefit treatment-nhs-cancer-cash-benefitQuestion mark

 We have three hospital networks to choose
from - Essential Access, Extended Choice and
Extended Choice with Central London three-hospital-networksQuestion mark

General exclusions

Treatment and care

 Chronic conditions*

 Pre-existing or special conditions

 Natural ageing

 Allergies, allergic disorders or food intolerances

General exclusions

Treatment and care

 Chronic conditions*

 Pre-existing or special conditions

 Natural ageing

 Allergies, allergic disorders or food intolerances

You can ask the NHS to refer you to a private hospital for healthcare services if:

  • You have a private health insurance policy and would like to use your policy to claim for your treatment.
  • You don’t have private health insurance, but you’d like to pay for your own treatment at a private hospital. Private treatment can also be paid for on a pay-as-you-go basis in our nationwide health centres and in London’s Cromwell Hospital. We have a wide range of pay as you go treatments available, from physiotherapy appointments to hip surgery and access to private GPs.
  • You’ve had an NHS appointment and would like a second opinion on your treatment plan or diagnosis from a private healthcare expert.
  • You’d like to make improvements to your health and lifestyle and feel you’d benefit from a health assessment.

If you have a Bupa health insurance policy, you may be able to get referred for treatment with a private specialist within an NHS hospital or health centre.

For most medical treatment to be covered, you normally need to see a GP to obtain a referral to a specialist or consultant. A referral letter is usually provided, as consultants and specialists need to understand why a patient is being referred to best treat, diagnose, and guide them through a treatment plan. We do understand that there are some circumstances that a GP appointment may not be clinically necessary, and you may be referred by another Healthcare Practitioner. However, if you have health insurance with direct access cover and are worried about symptoms concerning cancer, mental health or muscles, bones and joints, you can call us directly for advice and treatment usually without the need for a GP referral.

Most of our health insurance customers also have access to Digital GP, an app provided by Babylon which gives you 24/7 access to GP appointments with a simple tap of your phone††. Learn more about Digital GP >

A doctor cannot refuse to treat a patient based on their personal views when it comes to a patient’s lifestyle. However, if a doctor has a legitimate objection or concern about a procedure, they can refuse to carry out a treatment. Should this happen, all patients have the right to see another doctor, if they wish to.

Any treatment carried out on the NHS is free, regardless of if you have private medical insurance or not. If you don’t have private medical insurance, the NHS won’t pay for private treatment.

^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.

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.

†† Customers who live in the Isle of Man, or have a Bupa Standard, Bupa Premium or Bupa Your Choice policy, do not have access to Digital GP provided by Babylon, but can access GP24, provided by HealthHero. Some corporate schemes don't include access to Digital GP or GP24, please check your scheme documents or give us a call.

Bupa Digital GP Services and Bupa Anytime HealthLine are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Digital GP services are provided by Babylon Healthcare Services Limited. Registered in England and Wales No. 09229684. Registered office: 60 Sloane Avenue, London SW3 3DD.

Bupa Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London EC2R 7HJ.

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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