Health insurance
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.
Find out more about direct access to treatment with Bupa
Get a quote between 1 August 2018 and 31 October 2018 and you'll also benefit from 2 months’ free. Available to new customers and applied in months 11 and 12 of the first year of your cover. *Terms and conditions apply .
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.
About our medical cover
Our 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
Policy summary (PDF, 154KB)
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
Most frequently asked questions
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What does health insurance cover?
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.
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How do I compare different health insurance covers, and decide which one is right for me?
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.
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Which Bupa core health insurance option is right for me?
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.
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What isn't covered as part of my Bupa By You health insurance?
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.
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What happens once I have health insurance?
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.
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Can I add other members of my family to my healthcare policy?
For an additional cost you can add your partner and/or your children (including newborn or adopted children) as dependants at any time. Please call us so that we can update your policy on 0808 256 9436^. -
Is my health insurance cover renewed every year?
We’ll write to you at least 28 days before your renewal date, and your annual cover will automatically be renewed unless you decide to end your cover. Each year at renewal you can change elements of your cover if your circumstances change. -
What if I'm leaving my company scheme?
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.
2 months free T&Cs
1. In addition to the terms set out herein, the terms and conditions set out in Bupa’s standard Bupa By You policy terms and conditions, and any terms on your membership certificate, will apply in full.
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 through Bupa
b. directly through Bupa as part of the following affinity schemes: The Institute ofCharteredAccountantsin England and Wales (ICAEW), Blue Light Card (BLC), Association of Chartered Certified Accountants (ACCA),Leonardo MW Ltd or The National Farmer’s Union (NFU)
c. 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 or existing members transferring from a different health insurance policy, unless the consumer is re-underwritten onto a new Bupa By You policy.
4. This offer is available for new Bupa By You health insurance policies for which a quote is provided between 1st August 2018 and 31st October 2018 on a full underwriting or moratorium basis. Quotes are valid and able to be accepted for 14 days and the policy start date must be within 30 days of the original quote date.
5. Under this offer, the two free months of cover will be applied to months eleven and twelve of the first year of the customer’s new Bupa By You policy. Please note this offer will not apply in any subsequent years.
6. Customers will receive two free months of cover by either:
1.if paying monthly, not having to pay any monthly subscriptions in month 11 and 12 of the policy; or
2.if paying for the first year of subscriptions upfront, only being charged the equivalent cost of 10 months subscriptions for 12 months of cover.
7. Family members on the same policy are eligible for this offer provided that they are added to the new Bupa By You policy prior to or on the date of the start date of the policy. Family members who are added to the policy after the start date are not eligible for this offer.
8. 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.
9. This offer is not available in conjunction with any other promotion or offer except the family and couples savings, and discounts associated with the following affinity schemes : The Institute of Chartered Accountants in England and Wales (ICEAW), Blue Light Card (BLC), Association of Chartered Certified Accountants (ACCA),Leonardo MW Ltd or The National Farmer’s Union (NFU)
10. Bupa reserves the right to cancel, suspend, amend or withdraw the promotion at any time.
11. The offer has no cash value or alternative and the discount is non-exchangeable and non-transferable.
12. Bupa will use your personal information in accordance with its privacy notice which can be found at bupa.co.uk/privacy.
13. This promotion and these terms and conditions are governed by English law and applicants submit to the jurisdiction of the English courts.
†Direct access telephone services are available as long as the symptoms are covered under the policy. Direct access services may not be available for some underwriting methods, and you may need to provide evidence through a medical report that conditions are not pre-existing.
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.
