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Help understanding health insurance

Find answers to some common questions about our health insurance.

Questions about health insurance? Just ask

These helpful articles and videos explain how our health insurance policies work.

From what’s covered to what some medical terms mean.

Want to know more about health insurance?

Our jargon buster videos, insights articles and policy guide can help. Take a look to learn more about health insurance.


You'll be covered for treatment that’s covered by your policy from the moment you’ve chosen a policy and set up your Direct Debit. Once your cover has started, you can cancel it within 21 days. If you haven't made any claims in this time, we'll refund what you’ve paid for that month or year.



When you start your policy, you'll be sent documents with details of what is and isn't covered. We’ll also send details of how to get in touch if you need to claim. You can also find this information in our policy benefits and terms (PDF, 0.5MB).



Each year before your renewal we'll send your renewal details including any changes to the price of your policy.


Yes, you can add your partner and/or your children to your policy. This includes new born or adopted children or children you have responsibility for. If you already have Bupa health insurance, you can update your policy to add a partner and/or children at any time.



If you’d like to update your policy, please call us on 0333 331 4195. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.



Families can save 10% when adding a child to their policy. This saving applies to new Bupa health insurance customers who take out a family policy with at least one adult and one child. Taking out one family policy is 10% cheaper than taking out individual policies for each family member. You may not be offered the same discount when you renew.



Couples can save 5% when adding a partner to their policy. This saving applies to new Bupa health insurance customers. Taking out one policy as a couple is 5% cheaper than taking out two individual policies. You may not be offered the same discount when you renew.


Yes, your cover will renew every year, automatically.



We’ll write to you at least 28 days before your renewal date. Your cover will automatically renew unless you let us know that you’d like to end your cover.



When you renew your cover, you can make changes to your policy to reflect any changes in your circumstances.



If you choose not to renew your policy, you will no longer be covered for treatment or care for any condition.


The good news is you have the option to stay with us on a new, personal policy. Even better, we may continue to cover any ongoing or existing conditions if your new policy starts within three months of your old scheme ending. This will depend on your new policy’s benefits and terms. Just give us a call and we’ll talk through your options.



Find out more about leaving your company scheme or call us today on 0808 271 4693. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.


There are several benefits of taking out health insurance. If you develop a condition, you’ll have quick access to the treatment you need to help you back on the road to recovery.



Costs for treatment that’s covered by your policy could be paid in full, as long as you:

  • Use a fee-assured consultant. This means we have agreed to pay their fee in full.
  • Get treatment from a hospital in your chosen network.

This will be subject to the terms of your policy. For example, some policies have limits on the amount you can claim for some things. Some policies include an excess that you may have agreed to pay.

Digital GP services are provided by Babylon Healthcare Services Limited. Registered in England and Wales No 9229684. Registered office: 60 Sloane Avenue, London SW3 3DD.

Bupa Anytime HealthLine and Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

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.

Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London, EC2R 7HJ.

Page last reviewed: 31/05/23

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