When you take out a health insurance policy with us, we’ll usually exclude cover for any symptoms, conditions, illnesses or injuries you had before you joined
…Your insurance is designed to cover future risk and so any previous conditions are usually not covered.
So, for example, if you injure your leg before taking out your policy and you then need further physio treatment after your policy has begun, this treatment would not be covered.
Or if you have a medical condition, such as a heart problem, before your policy begins, any health issues related to this condition that arise after you take out your policy will not be covered.
In this case you would need to seek treatment from the NHS or alternatively pay for private treatment yourself.
When you join Bupa, you can choose to be underwritten in a number of different ways. Most customers choose full medical underwriting.
In this scenario, we'll ask you to tell us about any previous health issues you've had when you join. It's important you answer these questions honestly or it may delay or invalidate a future claim.
When you make a claim, we may also check with your GP that you haven’t had the condition before.
You’ll be able to see any conditions that are excluded from your cover on your membership certificate. These will be under the section called special conditions
The same process will also apply for any members of your family included on your policy.
New conditions which arise after you take out your policy would most likely be covered. Check your policy documents for details on what you are and arent covered for. Just give us a call before making a claim to check!
You can speak to us at renewal to apply to remove any pre-existing conditions from your policy. It depends on the condition and the length of time you have been symptom, treatment and advice free.
Some conditions, such as pregnancies, cosmetic surgery and the maintenance of chronic conditions aren’t usually covered under your health insurance. Check your membership guide for full details.