Guide to making a claim
We aim to do everything we can to make claiming as simple and straightforward as it can be.
Cancer symptoms
Muscle, joint or bone
Mental health
If your symptoms do not fall in to one of the following categories follow our step by step guide below
Step one: See your GP
Visit your GP† who will advise you if you need to see a specialist or healthcare professional for your health needs.
Want to see a private GP?
You can pay for a 15 or 30 minute private GP appointment at a Bupa centre convenient to you. Appointments can usually be arranged the same or next day.
†Seeing your GP may not be necessary for some symptoms
Step two: GP referral
If you have a condition that requires a GP referral, we recommend you ask for an ‘Open Referral letter’. This will detail the care your GP would like you to have, but will not be addressed to a specific consultant, hospital or healthcare professional.
We aim to offer a choice of two or three specialists. If the first choice consultant is unavailable, you’ll see an alternative specialist without the need to return to your GP for a second referral.
Important: Open Referral is mandatory on some personal, corporate and company schemes. Please call us on 0345 609 0444 ^ if you’re unsure.
Learn more
^Lines are open 8am to 8pm Monday to Friday and 8am to 4pm on Saturday. We may record or monitor our calls.
Step Three: Call us
As soon as you’ve seen your GP please call us so that we can discuss your options and explain which specialists and healthcare professionals are covered under your Bupa membership. We’ll let you know what you need to do next and send you any pre-treatment forms you may need to complete.
What you need before you contact us;
- your Bupa membership number
- details of when your symptoms first began
- details of when you first consulted your GP about your symptoms
- the symptoms you’re suffering from
- details of the treatment your GP has recommended
Were you involved in an incident or accident?
If you’re planning to claim treatment relating to an incident or accident in which you’re also making a personal injury claim with a third party, you’ll need to let us know.
We’ll put you in touch with our third-party claims team who’ll be able to ask you questions about your incident or accident and make arrangements to claim back the treatment cost from the insurance companies involved.
Bupa health insurance members
0345 609 0111^
^Lines are open 8am to 8pm Monday to Friday and 8am to 6pm on Saturday. We may record or monitor our calls.
Bupa By You members
0345 609 0777^
^Lines are open 8am to 8pm Monday to Friday and 8am to 4pm on Saturday. We may record or monitor our calls.
Bupa business scheme members
0345 609 0111^
^Lines are open 8am to 8pm Monday to Friday and 8am to 4pm on Saturday. We may record or monitor our calls.
What happens next?
Pre-authorisation
When we've confirmed that your treatment is covered, we'll discuss your claim with you and give you a pre-authorisation number. You can then contact your consultant or healthcare professional to arrange an appointment, giving them your pre-authorisation number. The invoice for any treatment costs can be sent to us directly.
Medical reports
When we need to ask your doctor for more information about your consultation, tests or treatment, we’ll need your permission
Invoicing
If (for any reason) you are sent an invoice, simply send it to:Bupa Place, 102 The Quays, Salford, M50 3SP
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
