Health insurance
What is health insurance?
Health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You will pay a monthly subscription that covers all or some of the cost of treatment for conditions that develop after your health insurance policy has begun.
You may take out private health insurance because it gives you quick access to medical treatment. The level of cover you get will depend on the policy you take out. We have two different levels of private health insurance cover: Treatment and Care, and Comprehensive.
£100 John Lewis vouchers for health insurance policies
Get a quote and start your policy between 1st April 2019 and 30 April 2019 and you’ll also receive £100 John Lewis vouchers. Available to new customers with one voucher per policy redeemable after month two of policy. Over 18’s only. Terms and conditions apply.
Or call us on
0808 256 9436^
For fast access to treatment
We want to make sure you can get the help you need as quickly as possible. That’s why we can give you fast access to treatment with our health insurance.
If you’re worried it’s cancer, you can speak to us directly without seeing your GP first. Depending on your health insurance cover and the nature of your symptoms, we could even refer you to a consultant there and then†. So you could soon be back to doing the things you love, with those you love.
About our medical cover
Our private health insurance puts you in control with the choice of two products that you can adapt to suit your needs.
Comprehensive
Rated 5 Star by Defaqto, this is our highest level of health insurance cover that opens the door to private diagnosis, treatment and aftercare for all your eligible medical needs.
Treatment and care
This cover option is for people who are happy to be diagnosed by the NHS but would like to receive treatment privately.
Our health insurance benefits
For detecting cancer as early as possible
Depending on your health insurance cover and the nature of your symptoms, we could even refer you to a consultant there and then.
For breakthrough drugs and treatment within your reach
For going further than funding treatment
For getting the help you need faster
You can call us for direct access to advice and treatment for muscle, bone or joint problems, mental health, cancer or cataracts from the moment you need it – usually without the need to see a GP first†. Our dedicated team of trained advisers will be able to give you clear advice on what to do next.
For fast help with muscle, bone and joint problems
For healthcare that rewards you
Your hospital network
Learn more
Medical history
Policy summary
You can find independent information about the quality and cost of private treatment available from doctors and hospitals from the Private Healthcare Information Network: www.phin.org.uk
Here’s a selection of questions and answers that we’ve already helped our customers with.
Health insurance covers treatment for acute conditions that develop after your policy has started. An acute condition is a disease, illness or injury that is likely to respond quickly to treatment which aims to return you to the state of health you were in before suffering the condition, or which leads to your full recovery.
You can compare our different levels of cover by taking a look over our Comprehensive page and our Treatment and Care page.
To help you decide which cover will be right for you, as a starting point, think about your lifestyle, budget and the areas of your life that concern you the most. Comprehensive covers medical costs from diagnosis and treatment to aftercare. If you choose Comprehensive and full cancer cover, it includes diagnosis, eligible treatment and aftercare.
If you choose Comprehensive and full cancer cover, it includes diagnosis, eligible treatment and aftercare. Alternatively if you choose NHS Cancer Cover Plus, cover is only available if the radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available under the NHS.
Treatment and care covers eligible treatment and following this, any consultations, diagnostic tests and scans that are needed after you have received your treatment.
If you’d like to speak to us about health insurance call 0808 159 2103^ and we can talk you through some suitable options. Alternatively you can get a quote online now.
If you want to learn more about health insurance and how it works, take a look over our health insurance guide.
As a starting point, think about your lifestyle, budget and the areas of your health that concern you the most. Comprehensive covers medical costs from diagnosis to eligible treatment.
If you choose Comprehensive and full cancer cover, it includes diagnosis and eligible treatment. Alternatively if you choose NHS Cancer Cover Plus, cover is only available if the radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available under the NHS.
Treatment and care covers eligible treatment and following this, any consultations, diagnostic tests and scans that are needed after you have received your treatment.
If you’d like to speak to us about health insurance call 0808 256 9436^ and we can talk you through some suitable options. Alternatively you can get a quote online now.
You can get a quote online now for our Comprehensive cover. If you’re interested in Treatment and Care give us a call on 0808 159 2103^
If you want to learn more about health insurance and how it works, take a look over our health insurance guide.
Bupa By You covers you for new conditions that occur once your cover has started - so you won't be able to use it for medical conditions that were apparent before you took out cover. There are also certain conditions that, whichever plan you choose, will not be covered, for example chronic long-standing conditions or cosmetic surgery. Details of the full list of exclusions can be found in the policy benefits and terms (PDF, 229KB) that will also be sent to you once you have taken your cover out.
You'll be covered from the moment you have agreed on the level of cover that's right for you and you've set up your monthly Direct Debit. Once your cover has started, you can cancel it within 21 days and as long as you haven't made any claims we'll refund all of your subscriptions for that month or year. You'll be sent all of the documentation that details what is and isn't covered and how you get in touch with us should you need to claim. You can also find this information in our policy benefits and terms (PDF, 229KB).
Each year before your renewal we'll send your renewal details including your new subscription price.
If you’ve been part of a company health insurance scheme but you’re leaving it now, you can still have Bupa health insurance.
Anything that was excluded on your company scheme would remain excluded on Bupa By You. When joining Bupa By You as a company leaver, you will be required to meet our of eligibility criteria.
Find out more about leaving your company scheme, or call us today on 0800 606 570 ^ to talk through your health insurance options.
Terms and conditions
£100 John Lewis voucher campaign
1. In addition to these terms and conditions, the terms set out in Bupa Insurance Limited (“Bupa”)’s Bupa By You Policy Benefits and Terms guide and your membership certificate will apply to your policy.
2. This offer is available to UK residents aged 18 and over who purchase a new consumer Bupa By You health insurance policy either:
a. directly from Bupa
b. from Bupa through an intermediary
3. The offer is not available on any other Bupa products or services. The offer is not available to customers switching from a Bupa company health insurance policy, switching from another provider’s health insurance scheme or for existing members transferring from a different health insurance policy, unless the customer is re-underwritten onto a new Bupa By You policy.
4. This offer is not available to employees of Bupa, their immediate families, their agents or anyone else professionally connected to this promotion.
5. This offer is available for new Bupa By You health insurance policies for which a quote is provided between 1st April and 30th April 2019 on a full underwriting or moratorium basis. Quotes are valid for 14 days and your policy start date must be on or before 30th April 2019. One John Lewis e-voucher per new policy purchased.
6. £100 John Lewis e-voucher can be redeemed after month two of your new Bupa By You policy, even if you pay for the first year of subscriptions upfront. Please note this offer will not apply in any subsequent years.
7. Bupa reserves the right to decline to offer a health insurance policy in its absolute discretion, and Bupa’s decision regarding any aspect of this promotion is final.
8. This offer is not available in conjunction with any other promotion or offer except the family and couples saving, and discounts associated with one of our partners. A full list of our partners can be found at www.bupa.co.uk/affinity-partners or by calling 0808 256 4840. Lines are open 8am to 8pm Monday to Friday and 9am to 12.30pm on Saturday. We may record or monitor our calls.
9. You will receive an email from Bupa’s fulfilment agency TLC Marketing UK after the second policy month at which point you become eligible to participate in the offer. You will be issued a unique single use claim code within the email and directed to a promotional website to claim. You will be asked to enter details including your name and email address. Once your request has been validated an email containing the John Lewis e-voucher will be sent within 5 working days to the email address provided. You will have 28 days to redeem your e-voucher via the promotional website after receipt of the email, after this point the e-voucher cannot be redeemed. Once redeemed from the website within the 28 day period, you are then free to spend the e-voucher either in store or on the John Lewis website using the code provided.
10. Vouchers can be redeemed via email only, so you must provide us with a valid email address to be eligible for the offer. We may also use your email address for marketing purposes if you have not previously opted out. (Each subsequent marketing email allows you to unsubscribe or you can email us directly at optmeout@bupa.com if you no longer wish to receive marketing messages from Bupa).
11. Applicants who do not give correct details or those who apply on someone else’s behalf will be disqualified, at Bupa’s discretion.
12. Neither Bupa, nor its agents or distributors can accept liability for lost or stolen Unique Reference Numbers. Lost or stolen Unique Reference Numbers will not be replaced.
13. The Promotion will not be open to you and your claim will be deemed invalid if (including but not limited to); you are under 18 years old; you reside outside of the UK; you are not the intended recipient of the reward; you have not completed all requested entry fields on the promotional website correctly; you have not submitted all requested entry fields before the end of the promotional period; you have failed in any way to otherwise comply with these Terms and Conditions as determined by Bupa in its sole discretion.
14. Bupa and agent reserves the right to offer a substitute reward of equal or greater value and to withdraw the promotion at any time deemed necessary owing to circumstances outside its reasonable control.
15. The terms of this promotion are as stated here and no other representations (written or verbal) shall apply.
16. Bupa reserves the right to cancel, amend or withdraw the promotion at any time.
17. The offer has no cash value or alternative and the offer is non-exchangeable and non-transferable.
18. Bupa will use your personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy.
19. Bupa will be the final arbiter in any decisions regarding this offer and these will be binding and no correspondence will be entered into in relation to this clause.
20. By participating in the promotion, you agree that no claim shall be asserted against Bupa, its parent company, affiliates, directors, officers, employers, employees or agents in respect of any and all losses or injuries (including without limitation special, indirect or consequential loses), damages, rights, claims or actions of any kind whatsoever that result from your acceptance of the reward to the full extent permissible in law.
21. To the fullest extent permitted by law Bupa Insurance Limited and the Bupa group of companies shall not incur any liability for any claims, damages, losses or other liabilities whatsoever arising under or otherwise in connection with this offer.
22. If for any reason you encounter a problem please call Bupa’s partner TLC Marketing UK quoting ‘Bupa John Lewis’ on 0330 124 2034 for assistance. Lines are open Monday - Friday 9.30am - 5.30pm. Calls cost 10p per minute from BT landlines. Calls from mobiles and other network providers may vary. Alternatively please send an email to: BupaJohnLewis@tlcrewards.com
23. This promotion is administered by (the agent) TLC Marketing UK Ltd. PO Box 468, Swansea SA1 1RH. All queries should be sent to this address titled ‘Bupa Thank You’.
24. This promotion is governed by English law.
25. 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 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. 382985. Registered office: 1 Angel Court, London EC2R 7HJ
^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.
†Direct Access telephone services are available as long as the symptoms are covered under the policy. If your cover excludes conditions you had before your policy started, we’ll ask you to provide evidence from your GP that your symptoms are not pre-existing for a period of up to two years from policy start date (or five years in the case of mental health) before we can refer you to a consultant or therapist through the Direct Access service. Always call us first to check your eligibility.
‡Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence-based. Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening.
Bupa Anytime Helpline is not regulated by the Financial Conduct 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.
