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Guide to making a claim

We aim to do everything we can to make claiming as simple and straightforward as it can be.

Before you start


Do your symptoms fall in to one of the following categories:


  • Step one

  • Step two

  • Step three


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.


Learn more about private GP services


^Seeing your GP may not be necessary for some symptoms


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 about open referral

Lines are open 8am to 8pm Monday to Friday and 8am to 4pm on Saturday. We may record or monitor our calls.

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


Call us on

What happens next?

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