What does health insurance cover?
We’ve put together a checklist of what’s usually covered by private health insurance, and what might be excluded, so you can choose the best health insurance for you.
Health insurance: what is covered?
Different health insurance policies offer different benefits. Think about your needs, and choose a policy that offers the right cover for you.
Most policies include cover for:
- Treatment in private hospitals
- Private consultations
- Access to Bupa Blua Health, our digital GP service
- Physiotherapy for muscle, bone or joint conditions
- Out-patient care such as scans, tests, x-rays and hospital appointments where you aren’t admitted
When considering the best health insurance policies, you need to think about what is important to you. For example, more comprehensive policies may give some of these additional benefits:
- Mental Health cover
- NHS hospital cash benefit
- Parent accommodation
When you compare health insurance, you might need to consider the needs of family members too. Some providers offer discounts if you insure your family
Questions to ask when comparing health insurance cover
1. Does the insurance provider offer access to a GP who can refer you if you need specialist help?
2. Are there limits to the amount of cover you can claim each year?
3. Does the provider offer ongoing treatment for mental health issues?
4. Will you get a discount on cover if you insure your family?
What’s not covered?
The best health insurance plans will make it really clear what is and isn’t included in your cover.
You can see what is and isn’t covered on Bupa’s policies on our Compare health insurance page.
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.