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Here’s a selection of questions and answers that we’ve already helped our customers with.

Health insurance covers treatment for acute conditions that develop after your policy has started. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment which aims to return you to the state of health you were in before suffering the condition, or which leads to your full recovery.

It can be tricky to know what to look out for when you’re choosing health insurance. The level of care you need will depend on your lifestyle and the areas of your health you’re most concerned about. You’ll also need to consider your budget.

This is why comparing different health insurance policies can be useful; by getting quotes for different levels of cover you’ll be able to compare the costs against the benefits so you can make an informed decision.

When contemplating your options, you might want to look for a package with the following:

  • Hospital treatment paid in full
  • Outpatient therapies paid in full
  • Eligible aftercare paid in full
  • Post treatment tests and scans paid in full

It’s important you fully understand the health insurance policy you’re considering before joining. You’ll need to know what it includes and excludes to be absolutely certain that it meets your needs. Most health insurers also offer the option to set up couple and family policies too.

As a starting point, think about your lifestyle, budget and the areas of your health that concern you the most. Comprehensive covers medical costs from diagnosis to eligible treatment.

If you want us to cover you to diagnose a condition and provide private treatment following a diagnosis, then you could select our Comprehensive Policy.

However, if you are happy to be diagnosed by the NHS, but want to receive any required treatment privately, then you have the option to take out our Treatment and Care policy, which will be cheaper than our Comprehensive option.

We have 2 cancer cover options, that offer either full cancer cover (from private diagnosis to treatment to aftercare) or if you want to reduce your monthly premiums, our Cancer Cover Plus option, which means private treatment only kicks in if the NHS can't provide your care (terms and conditions apply).

You can get a quote online now. Alternatively if you would like speak to us about health insurance call 0808 115 3461^and we can talk you through some suitable options. If you want to learn more about health insurance and how it works, take a look over our health insurance guide.

The level of cover you’ll get will depend on the policy you take out.

For some policies, you’ll need to go through initial diagnosis and get a referral from the NHS before you’re able to claim any private treatment. Other more comprehensive policies include consultations and tests to help diagnose your condition.

Bupa By You covers you for new conditions that occur once your cover has started - so you won't be able to use it for medical conditions that were apparent before you took out cover. There are also certain conditions that, whichever plan you choose, will not be covered, for example chronic long-standing conditions or cosmetic surgery. Learn more about health insurance exclusions.

You'll be covered for eligible treatment from the moment you have agreed on the level of cover that's right for you and you've set up your monthly Direct Debit. Once your cover has started, you can cancel it within 21 days and as long as you haven't made any claims we'll refund all of your subscriptions for that month or year. You'll be sent all of the documentation that details what is and isn't covered and how you get in touch with us should you need to claim. You can also find this information in our policy benefits and terms (PDF, 229KB).

Each year before your renewal we'll send your renewal details including your new subscription price.

Yes, you can add your partner and/or your children (including newborn or adopted children) as dependants on your policy. If you already have Bupa health insurance you can update your policy to add a partner and/or your children at any time, please call us on 0333 331 4195^.

Families save 10% when adding a child to their policy and couples save 5% when adding their partner to their policy.

Terms and conditions apply. 10% saving applies to new Bupa By You customers who take out a family policy that covers at least one adult and one child. This is based on the saving that you make by taking out one family policy compared to individual policies for each family member. We reserve the right to amend or withdraw our family rate at renewal.

Terms and conditions apply. A couple pay 5% less compared to the combined single premium price. Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our couples rate at renewal.

We’ll write to you at least 28 days before your renewal date, and your annual cover will automatically be renewed unless you decide to end your cover. Each year at renewal you can change elements of your cover if your circumstances change.

If you’ve been part of a company health insurance scheme but you’re leaving it now, you can still have Bupa health insurance.

Anything that was excluded on your company scheme would remain excluded on Bupa By You. When joining Bupa By You as a company leaver, you will be required to meet our eligibility criteria.

Find out more about leaving your company scheme or call us today on 0808 271 4693^ to talk through your health insurance options.

There are several benefits of taking out health insurance. In the event that you develop a condition, you can relax in the knowledge that you have quick access to the treatment you need to help you back on the road to recovery.

All of our policies cover eligible treatment costs in full, depending on the terms of the policy, providing you use a consultant who agrees to charge within Bupa limits (a fee-assured consultant) in a facility from your chosen hospital network.

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Jargon buster videos

We’ve created a series of helpful videos to help you to make sense out of some of the terms that you’ll commonly read and hear.

Learn more about private health insurance

Our useful guides are here to help you understand the fundamentals of health insurance. We also cover a number of key health topics – such as looking after yourself as a parent and taking care of your children’s health.

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

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

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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