Understanding health insurance jargon
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Health insurance jargon buster
The language used to talk about health insurance can be confusing and difficult to understand. 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.
To find out more or to get a quote call us on
0808 271 4869^
^We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12pm.
Understanding excess
Health insurance policies often include an excess. The level of your excess will impact the cost of your monthly payments. Understand how this works in this video.
Fee assured
Did you know that consultants sometimes charge different prices? We have a network for consultants with a certain level of experience and expertise who agree to charge within our limits, so you don’t have to pay extra. Take a look at this video to learn more about fee assured consultants.
Chronic conditions
Health insurance doesn’t cover you for chronic conditions. Not sure what is classed as a chronic condition? Watch this helpful video to get a better understanding of what you can and can’t claim for.
How is my price calculated?
Many factors are considered when we calculate a price for your health insurance. We try to determine your price as fairly as possible, looking at things such as lifestyle, age and where you live. Take a look over this video for more detail on the things that affect the cost of your policy.
GP referral
Visiting your GP before seeing a consultant can feel like an inconvenience. But we do this because they have full access to your complete medical history, so they’ll know what’s best for you. Discover more about why we ask for GP referral with our useful video and learn more about when it’s possible to skip this step.
Outpatient benefit limits
Outpatient benefit covers you for minor diagnostic tests such as X-rays, blood tests, ultrasound and therapies. Watch this video to find more about our outpatient benefit limits and how they can impact the cost of your monthly payments.
What are no claims discounts?
As with most insurance, if you don’t make a claim you may get a discount. With our cover, the discount you’re entitled to is determined by where you’re positioned on a sliding scale. Watch this video to learn more.
Understanding pre-existing conditions
Health insurance is designed to cover you for future risks, so any previous conditions you have will not be covered. Watch this video to find out more.
Still want to learn more?
- Our list of advanced therapies and specialist drugs (PDF, 1MB) helps us to keep up with the latest advances in medicines and treatments as they become available. The list may change from time to time as we keep it up to date.
- We’ve created a booklet to help clarify some important points about your cover (PDF, 0.5MB).
- And if you have cover for mental health treatments, the following information offering support for mental health conditions (PDF, 1MB), will guide you through how this works.
^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.
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: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.
