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Understanding health insurance jargon

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.

 

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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 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?

When we work out the price of your cover, we take lots of different factors into account. Things like age and where you live can have an effect. 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.

Direct access

Members who are worried or experiencing symptoms relating to muscle, bone or joint problems, mental health, cancer or cataracts can contact Bupa directly. This video explains how you can get direct access to our services usually without the need to see a GP first.

Underwriting

Underwriting is the process health insurers use to decide on what terms they’ll accept someone for cover, based on the information the customer provides. Our health insurance has two underwriting options, Full Medical Underwriting and Rolling Moratorium. Take a look at our video to see the options available to you and what they mean.

Still want to learn more?


Important points about your cover (PDF, 0.5MB)
Support for mental health conditions (PDF, 1.0MB)
Advanced therapies and specialist drugs list (PDF, 1.0MB) This helps us to keep up with the latest advances in medicines and treatments as they become available.

What's next?

Get a quote

Our health insurance allows you to adapt aspects of your policy to help suit your needs and your budget.
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Contact us

For more information or to get a quote over the phone, please call us.
0800 077 8961 ^ Email us
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^ 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: 1 Angel Court, London, EC2R 7HJ.

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