Questions after your medical diagnosis

Health insurance covers lots of different treatments, but some treatments are more commonly claimed for than others.

Common claims that are covered include:

• Physiotherapy for back, neck and knee pain
• MRI and CT scans for new symptoms
• Cancer treatment
• Mental health therapies
• Cataract surgery
• Ear, nose and throat (ENT) surgeries
• Dermatology

Common claims that aren’t covered include:

• In vitro fertilisation (IVF)
• Egg freezing
• Weight loss injections
• Sleep apnoea testing

To be sure you’re covered for treatment for any claim, contact your health insurer.

If you’re already a Bupa customer and want to understand what you’re covered for, there are multiple ways you can do this

My Bupa

You can find all your cover information and documents in the My Bupa app. Your documents will outline what’s covered and any limits.

Health insurance policy guides

Our health insurance policy guides explain common terms and cover information in plain language, making it easier to understand what you are and aren’t covered for.

Contact our team

If you have a specific question about your cover, our member support team are here to help. You can reach them in My Bupa or through our contact page.

Receiving treatment is just part of your healthcare journey. Depending on your condition, you might receive some after care too.

Follow up appointments

For most treatments, you can expect a follow-up appointment. These are usually needed to monitor your recovery and check for any complications.

Rehabilitation and recovery

Depending on the treatment you’ve had, you might need rehabilitation or physiotherapy to help with your recovery.

If your condition is covered for treatment, rehabilitation and physiotherapy is likely to be also covered, but check with your insurer.

Mental health support

Recovery isn’t always physical.

Sometimes you might need some mental health support to help to get you back to feeling yourself. Bupa policies often include mental health cover.


If you have received treatment for cancer and you have a Bupa policy, you’re likely to be covered to speak to a mental health professional too.

Choosing a health insurance policy depends on your health needs, budget and lifestyle. Some things you should consider are:  

Your health needs

It’s important to think about your needs to make sure you take out a policy that covers exactly what is important to you.

For private diagnosis and treatment, you’ll need comprehensive health insurance. 

If you’re happy to be diagnosed by the NHS but want to receive treatment privately, you can get Treatment and Care cover.

Your budget

There are different options you can choose when taking out health insurance cover that will influence the cost. These are things like: 


• Excess limits
• Outpatient allowances
• Hospital network

How you choose these options will impact how much you pay per month for your private health insurance.

Extras and rewards

Some health insurance policies include rewards and extras that might help you save money.

Some cover includes access to virtual GP and wellness programmes as additional extras to add more value to the cover.