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What is health insurance?

Health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to medical 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. The level of cover you get will depend on the policy you take out. We have two different levels of private health insurance cover: Comprehensive, and Treatment and Care.

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or call us on 0808 256 9436^

Defaqto BBY Comprehensive 2019 large. Five stars

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.

Here’s a selection of questions and answers that we’ve already helped our customers with

Health insurance covers eligible 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.

It can be tricky to know what to look out for when you’re choosing health insurance. The level of care you need will depend on your lifestyle and the areas of your health you’re most concerned about. You’ll also need to consider your budget.

This is why comparing different health insurance policies can be useful; by getting quotes for different levels of cover you’ll be able to compare the costs against the benefits so you can make an informed decision.

When contemplating your options, you might want to look for a package with the following:

  • Hospital treatment paid in full
  • Outpatient therapies paid in full
  • Aftercare paid in full
  • Post treatment tests and scans paid in full

It’s important you fully understand the health insurance policy you’re considering before joining. You’ll need to know what it includes and excludes to be absolutely certain that it meets your needs. Most health insurers also offer the option to set up couple and family policies too.




Our health insurance benefits

Whether it’s getting the help you need faster, or for cancer care that helps get you there, we’re proud to give you nothing less than health expertise.

Our health insurance cover options

Our private health insurance puts you in control with the choice of two products that you can adapt to suit your needs.


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 don’t just provide health insurance.

We have a range of products and services designed with your health in mind.

^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. For rolling moratorium underwritten members we will ask for evidence each time you claim for a condition not claimed for before. Always call us first to check your eligibility.

Bupa Anytime HealthLine is not regulated by the Financial Conduct Authority and 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.

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