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Do your symptoms fall into any of these categories?

If you're experiencing any of the below symptoms, our Direct Access service is here to help. If these symptoms are covered under your policy, you can call us directly for advice and treatment usually without the need for a GP referral..

If your symptoms aren't listed here, follow our step by step guide.


Get treatment

What happens next?

The length of time your claim takes to process depends on a number of factors, including the amount of time it takes for our claims department to receive the necessary information to process your claim.

When you call our claims department, they’ll let you know if you need to complete any pre-authorisation forms and will send them on to you.

^Lines are open 8am - 8pm Monday to Friday, 8am-4pm Saturdays. We may record or monitor our calls.

†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 through the Direct Access service. Always call us first to check your eligibility.

Digital GP and the Anytime HealthLine 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: 1 Knightsbridge Green, London, SW1X 7QA. Customers who live in the Isle of Man do not have access to Digital GP provided by Babylon but can access GP24 provided by HealthHero.

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.

Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London, EC2R 7HJ. Anytime HealthLine is not regulated by the Financial Conduct Authority.

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