What is health insurance?
Health insurance, often called private medical 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 acute 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. We offer different levels of private health insurance cover for you to compare: Comprehensive and Treatment and Care.
Need help understanding the cover that’s right for you?
Call us on 0808 231 8434^
What type of health insurance are you looking for?
Our range of cover options allows you to adapt aspects of your health insurance to suit your needs.
Are you already a member?
If you’ve got Bupa health insurance and need help or treatment, check with Bupa before you visit a GP‡‡ and we can help you get the care you need. We can help with:
Learn more about private health insurance
Our useful guides are here to help you understand the fundamentals of health insurance. We also cover a number of key health topics – such as looking after yourself as a parent and taking care of your children’s health.
^We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.
†As of February 2022, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa By You health insurance and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.
‡With Bupa full cancer cover, there are no limits on how long your treatment lasts or how much it costs, for as long as you have Bupa health cover. If you set a maximum benefit limit, either for each policy year or the full length of time that you’re with us, we’ll cover eligible costs until you reach your limit. You must use a hospital or health centre from the Bupa network and a consultant that we recognise and charges within Bupa rates (a fee-assured consultant).
††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). We can then 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 HealthLine and Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
†††Customers who live in the Isle of Man, or have a Bupa Standard, Bupa Premium or Bupa Your Choice policy, do not have access to Digital GP provided by Babylon, but can access GP24, provided by HealthHero. Some corporate schemes don't include access to Digital GP or GP24, please check your scheme documents or give us a call.
Digital GP services, Bupa health and wellbeing plans and Bupa Private GP services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
Digital GP services are provided by Babylon Healthcare Services Limited. Registered in England and Wales No. 09229684. Registered office: 60 Sloane Avenue, London SW3 3DD
Bupa health and wellbeing plans and Bupa Private GP services are provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London EC2R 7HJ
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.