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What is Treatment and Care health insurance?

Treatment and Care is a health insurance policy that covers the cost of private treatment for those who are happy to be diagnosed by the NHS.

This means that once you have your diagnosis from an NHS GP or medical professional, you can come to Bupa for your treatment. If you’d like to be diagnosed and treated by Bupa, take a look at our Comprehensive health insurance.


How much does Treatment and Care cost?

The cost of the policy will depend on the level of cover you want. For example, you can choose the level of excess you want to pay, and your policy benefit limits.

You can get a personalised quote for Treatment and Care cover. The cost of our policies depend on different factors, including age, lifestyle and where you live.

What does Treatment and Care health insurance cover?


What isn't covered by Treatment and Care 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.

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.

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.

Anytime HealthLine is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

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) before we can refer you to a consultant or therapist through the Direct Access service. For rolling moratorium underwritten members we will ask for evidence each time you claim for a condition not claimed for before. 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.

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

Please be aware that information you send to this email address may not be secure unless you send us your email through Egress. For more information and to sign up for a free Egress account, go to https://switch.egress.com. You will not be charged for sending secure emails to a Bupa email address using the Egress service.

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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