Health insurance costs
We’re here to answer your questions around the cost of health insurance, including what can affect the price of your cover and what exactly you get you for your money.
What can affect the price of my health insurance policy?
I want to keep the cost of my policy down – how do I do this?
When choosing health insurance, it’s important you select a policy that suits your needs and budget.
If you’re looking to keep the cost of your policy down, you could increase your excess limit or reduce your outpatient limit that may be included on the policy. Some policies also offer seasonal discounts or first year perks.
What do I get for my money?
Again, this depends on the health insurance provider and policy you choose. It also depends on your personal preferences and what you want to be covered for.
For example, most health insurance policies should cover you for treatment and care in private hospitals, as well as private consultations, physiotherapy and outpatient care such as scans and hospital appointments where you aren’t admitted.
Private treatment is now resuming in England and Northern Ireland, with the vast majority of independent hospitals offering a full range of services. A very small number will continue to just provide NHS care. Full private services will resume in Wales in early July. For now, restrictions remain in place in Scotland. Hospitals are taking extra precautionary steps to keep patients safe, such as asking them to self-isolate for 14 days before treatment and pre-admission testing. Hospitals will still need to catch up on all the treatment that was postponed at the start of the outbreak. Please be aware that there’s no private treatment available for COVID-19.
What does Bupa cover?
Bupa health insurance covers all the things we’ve discussed above but there are also some things we do a bit differently.
See our other guides on health insurance
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.