Understanding health insurance
Find out more about health insurance and learn about what to look for in a provider.
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, 1.1MB).
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 new born or adopted children or children you have responsibility for) 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.
The good news is you have the option to stay with us on a new, personal policy. Even better, while your cover will be different, we may continue to cover any ongoing or existing conditions if you take out your new policy within three months of your company health insurance ending. This depends on your new policy’s benefits and limitations. Just give us a call and we’ll explain how it works.
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 whose fees we have agreed to pay in full (a fee-assured consultant) in a facility from your chosen hospital network.
† Quick access is subject to availability.