Bupa health insurance quote

Build the right cover for you...

  • 1. Your personal details Edit

    Please ensure that all of the information you provide is correct, as inaccurate information may affect your cover should you come to claim.

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  • 2. Your contact details Edit

    Please ensure that all of the information you provide is correct, as inaccurate information may affect your cover should you come to claim. We will only use your details to contact you in relation to this quote.

    Be the first to find out about Bupa offers, exclusive discounts and the range of products and services we provide. If you’re happy to receive such information by telephone or email from us please select this option. We’ll only use your details to contact you about services you’ve asked for or information you’ve agreed to receive. We won’t send you any junk mail, or share your details with anyone else who might. View our privacy policy.

    Your policy start date must be within 30 days

  • 3. Additional family details Edit

    Please ensure that all of the information you provide is correct, as any inaccurate information may affect your cover should you come to claim. Any additional members you add must be using the address on this policy as their main residence.

    Add a partner/spouse

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    Additional member 1

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    Please confirm that this dependant is in full-time education
    Dependants aged between 22-24 years who are not studying, require their own policy.

    Have you completed your details correctly?

Bupa health insurance - two months free online offer

We’re offering two months free health insurance for new customers when you get a quote online. Offer expires 30 June. Terms and conditions apply, see below for details*.

*Two months free eligibility terms and conditions:

1. Only available for the first year of the health insurance scheme.
2. Only available for policies which are quoted on between 7 May 2015 and 30 June 2015 inclusive.
3. Cannot be used in conjunction with any other offer.
4. Not available to existing Bupa members or those transferring from a Bupa Group scheme.
5. The eligible free months will be provided in months one and two.
6. Only available for health insurance policies quoted through the Bupa website
7. Bupa reserve the right to withdraw the promotion at any point without prior notice
8. There is no cash alternative

Having problems getting a quote? Report a technical issue >


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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: Bupa House, 15-19 Bloomsbury Way, London WC1A 2BA.

What you need to know before you start...

All applicants must:
  • be registered with a qualified GP for at least six months
  • be a UK resident that has lived here for at least six months
  • live at the same address with any family members also on the same application
  • not receive payment for participating in sports
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Your medical history

Before we can provide you with cover we will need to know your medical history.

It is important we know this information as we may not be able to cover some pre-existing conditions or symptoms. We also have general exclusions which are not covered as standard within most private medical insurance policies, such as maintenance of chronic conditions, the natural ageing process, cosmetic surgery and pregnancy.

I have read and understood the above information.
There are other ways to apply

0808 250 9391^

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Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 1pm.

Occupation

Professional or semi-professional sportsperson

If you (and/or your dependants) are a professional sportsperson, or a semi-professional sportsperson who follows a sport occupation as your secondary means of livelihood (including bursaries and/or expenses), please call us to discuss your options further on 0800 289 577 ^.

FAQs

Questions about Bupa By You health insurance Expand all
  • We will not cover you for any illnesses you are currently suffering from or have had before. These are known as pre-existing conditions.

    A pre-existing condition is any disease, illness or injury for which in the 7 years before your start date:

    • You have received medication, advice or treatment; or
    • You have experienced symptoms

    whether the condition was diagnosed or not.

  • When you become a member we’ll send you a Bupa Medical History Form to complete. If you prefer, you can download it and post it back to us. Medical conditions, and related conditions, that arose before the start of the policy will not be covered so if you would like information on what you will be covered for before you buy, please call us on 0800 289 577 ^.

    We will show any additional exclusions as special conditions on the membership certificate you receive from us when we have processed your Medical History Form. (The same process will also apply for any members of your family included in your application.) Until you complete the Medical.

    History Form, your cover will be very restricted. If you don’t complete the Medical History Form, it may delay the processing of your claim and you may not be covered.

    ^Calls may be recorded and may be monitored.

  • We’ll send you a Bupa Medical History Form to complete once you become a member. If you prefer, you can download it and post it back to us.

  • Health insurance does not cover for chronic conditions.

    A chronic condition is a disease, illness or injury which has at least one of the following characteristics:

    • It needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests
    • It needs ongoing or long-term control or relief of symptoms
    • Its requires your rehabilitation or for you to be specially trained to cope with it
    • It continues indefinitely
    • It has no known cure
    • It comes back or is likely to come back
  • Underwriting for health insurance is the process by which an insurer decides on what terms it will accept a person for cover based on the information they supply. For Bupa By You we use a method of underwriting called full medical underwriting.

    With full medical underwriting new medical conditions arising after the start of your policy will be covered immediately subject to the policy terms and conditions.

  • If you are enrolling online you will need to complete our Medical History Form. We may write to your GP for more information – with your permission of course.

    Every member’s application for Bupa By You is fully considered on a case-by-case basis and may result in you being offered cover without any additional exclusions or with specific exclusions for a pre-existing condition. It’s very rare for an application to be declined completely but it can happen.

    Until you have completed your Medical History Form and returned it to us a broad exclusion will apply to your cover and your ability to claim will be restricted. This underlines the importance of completing your Medical History Form as soon as you become a member so that we can process any claim you need to make as quickly as possible. If you aren’t sure whether you should mention an illness, it‘s better to do so.

  • If any of the following statements are incorrect in relation to you (and your dependants), you must inform us immediately as it may affect the cover we are able to provide for you.

    Living in the UK - You (and your dependants) have been resident in the UK for more than 6 months and you all reside at the address provided.

    Registration with a UK GP - You (and your dependants) have been registered with a UK GP for more than 6 months.

    Smoking status - If you have selected that you (or your dependants) do not smoke, this means that you or they have not smoked or chewed any tobacco products in the last 2 years.

    Professional sports people - You (and your dependants) are not a professional sportsperson, or a semi-professional sports person who follows a sports occupation as your secondary means of livelihood.

  • If you receive remuneration for playing sports, including bursaries and/ or expenses you will not be covered. If you are a semi-professional or professional sports person, please call us on 0800 077 8952 ^.

  • Yes, we offer a tailored approach to calculating the cost of your Bupa By You policy, by applying a no claims discount.

    Download our No Claims Discount leaflet (PDF, 767KB) to find out more.

  • With Bupa By You, full cancer cover comes as standard with Comprehensive 500, Comprehensive 1000 and Comprehensive.

    If you would like to reduce your costs, you can either:

    • select our Treatment and care option, which means your cancer will be diagnosed through the NHS, and any subsequent eligible treatment you need will be covered by Bupa.
    • select our NHS Cancer Cover Plus option instead of Bupa Cancer Cover, which means you will be treated by the NHS if you develop cancer. However, if you need chemotherapy, radiotherapy or a surgical operation that is not available on your NHS, Bupa will step in to cover these treatments for you.

    When we say full cancer cover it means you have no limit to how much you can claim for eligible treatment provided that you use a Bupa recognised consultant we have already agreed our fees with, within your chosen Bupa hospital network.

  • Bupa membership gives you access to proven eligible cancer drugs and treatments, and the latest advances in medical technology, when there is good-quality clinical evidence to support it. If a specialist recommends a new drug for your cancer, we will pay for it as long as it is licensed by the European Medicines Agency for your condition and included on our list of advanced therapies and specialist drugs, we will pay for it.

  • We will always evaluate requests to fund new or experimental treatment. Bupa’s own clinical appraisal process takes an average of just 48 hours.

  • As long as there is sound clinical evidence to prove benefit, we will fund it.

    What if my cancer spreads once my treatment has started?

    Whereas some insurers only provide treatment for the primary cancer (the cancer you are initially diagnosed with), Bupa will cover you even if your cancer spreads.

  • If you select full cancer cover, we will provide cover and support at every stage of your cancer, including palliative treatment, even if your cancer is incurable. If you select NHS Cancer Cover Plus, the NHS will provide palliative treatment but if your radiotherapy, chemotherapy or surgical operation recommended by your oncologist is not available on your NHS, Bupa will cover your palliative treatment.

  • No - Bupa does not take family history of cancer into account when deciding whether or not to offer cover to a new customer.

  • Bupa does not pay for unproven treatments. The only exception is when the treatment is part of a clinical trial, the protocols of which have been reviewed and approved by us. If you select NHS Cancer Cover Plus, Bupa will not cover treatments that are available on your NHS.

  • Our support team is able to give members and their carers or family, advice related to their specific situation and discuss options for being treated at home (where your consultant feels this is clinically appropriate). Our informed decision making service helps members understand the options available to them and the information they need to be able to make informed decisions about their own care.

  • If you are treated by a Bupa fee assured consultant in a Bupa recognised facility that is within your chosen Bupa network, we will fund all of your eligible diagnostic tests and investigations and all eligible treatment for cancer provided you have selected our full cancer cover.

  • If you have full cancer cover and you opt to receive your cancer treatment in an NHS hospital and the treatment is funded by the NHS, Bupa’s practice is to offer an NHS cash benefit which allows members to claim £100 for every day/night or session up to a maximum of 35 days/nights a year or sessions for eligible cancer treatment. If you have selected NHS Cancer Cover Plus, being treated by the NHS is standard unless you need chemotherapy, radiotherapy or a surgical operation that the NHS cannot provide.

    For each day you receive treatment for IV-chemotherapy and for each three-weekly interval of oral chemotherapy or part thereof.

  • Yes – if you have full cancer cover or you have NHS Cancer Cover Plus and treatment is not available on the NHS, Bupa gives you the option to receive your chemotherapy at home safely (where your consultant feels this is clinically appropriate) from a specialist nurse. Treatment at home means there is as little disruption to your life as possible. If you have NHS Cancer Cover Plus and the treatment is not available at home on the NHS but is available in hospital, we will not pay for you to have this at home. We will only pay if it is unavailable on the NHS.

  • Payments are usually made directly by Bupa when you use our fee assured consultants and your chosen Bupa hospital network. So there is no need to pay any costs yourself (except where an excess payment is applicable).

  • Our online cancer health hub contains information which has been developed to provide our members and their friends and families with helpful information about how and why cancer develops and details of the range of cancer treatments available.

  • Once you have chosen your Bupa By You product, you have a few ways to reduce your monthly premium if you reduce your level of cover. You can choose to select NHS Cancer Cover Plus which provides reduced cover compared to our full cancer cover. There are also different excess levels and Bupa hospital network access options that you can choose from. Depending on which ones you select you may be able to lower your monthly premium.

    • Having an excess means that you have to pay part of any eligible treatment costs that would otherwise be paid by us up to the amount of your excess. By eligible treatment costs we mean costs that would have been payable under your benefits if you had not had an excess.
    • An excess for Bupa By You applies per person per membership year. So, your excess could apply twice to a single course of treatment if your treatment begins in one membership year and continues into the next membership year.
    • We will write to the main member to tell them who you should pay the excess to, for example, your consultant, therapist or recognised facility. The excess must be paid directly to them - not to Bupa.

    We will also write to tell the main member the amount of the excess that remains (if any). You should always make a claim for eligible treatment costs even if we will not pay the claim because of your excess. Otherwise the amount will not be counted towards your excess and you may lose out should you need to claim again.

  • Unless we say otherwise in your membership certificate:

    We apply the excess to your claims in the order in which we process those claims.

    When you claim for eligible treatment costs under a benefit that has a benefit limit your excess amount will count towards your total benefit limit for that benefit.

    The excess does not apply to NHS cash benefit.

  • Most of us feel better if we’re treated in a hospital as close to home as possible or in a hospital recognised for its expertise in treating certain conditions. We give you a choice of up to three hospital networks, to meet your needs and manage your budget. Some postcodes may be excluded from the Essential Access Network.

  • You have a choice of up to three hospital networks across the UK, depending on where you live:

    Essential Access: Excludes Central London. This is the lowest cost option where you’ll gain access to a national hospital network, including a selection of private hospitals and clinics in your area.

    Treatment is covered in hospitals outside of central London.

    Extended Choice: Excludes Central London. This option offers more choice than Essential Access as you’ll gain a longer list of hospitals and clinics local to you. Extended Choice excludes central London hospitals and clinics.

    Extended Choice with Central London. You can benefit from all the advantages of Extended Choice, with central London hospitals and clinics included in this option.

    The hospital network you choose is a list of hospitals across the UK which you can use. Each network includes a different level of access to hospitals nationwide.

    • All hospital networks will provide access to all types of possible tests, scans, treatment and aftercare, but you may be able to reduce your premium if you are willing to travel further.
    • Some networks do not have hospitals in some areas, please check the hospital availability in your area and that you are happy with the distance you will have to travel to the hospital in your selected network. The hospital network lists can change from time to time.
    • If you go for your treatment to a hospital that is within the network of facilities you have chosen as part of your cover your hospital charges will be covered in full.
    • If you go to a Bupa recognised hospital that is outside of your chosen network you will have to pay a proportion of your treatment costs. It is therefore important that you choose your network carefully.
    • All of the local and national hospitals available in the Essential Access network are available in the other two networks, it’s just that Extended Choice and Extended Choice with Central London include more choices for you. Some of the networks may not have hospitals included in some geographical areas. You should check availability in your area. Hospitals and facilities included in the networks can change from time to time.
    • All of our networks include treatment given by specific Bupa approved consultants specialising in the procedure.

    For eligible treatment on your core health insurance when you use a facility from your chosen Bupa network and a Bupa recognised consultant who agrees to charge within Bupa limits (a fee assured consultant)

  • You can add your partner and/or your children (including newborn or adopted children) as dependants on your membership at any time. Speak to a Bupa healthcare adviser so that they can update your policy.

  • Yes- Bupa By You allows you to select the appropriate level of cover for each member of your family.

    So if you feel that there are family members who would benefit from more Comprehensive cover, but others who might need access to Treatment and care, for example, that’s not a problem. Please call us in order to arrange different levels of cover, as this service is not available online.

  • As a Bupa member, you get more than health insurance. You get a whole range of benefits tailored to your health and wellbeing.

    Bupa Anytime HealthLine

    There may be occasions when you have concerns about high blood pressure, raised cholesterol or diabetes in your family. Or perhaps you need advice on long-term contraception or niggling back pain.

    But when you are balancing work and family commitments, finding the time to see a doctor can be difficult. With Bupa Anytime HealthLine you can have around-the-clock, unlimited telephone consultations with our team of GPs and nurses for medical advice and health information.

    • accessible 24 hours a day, seven days a week
    • with no time restrictions placed on calls, you can have a relaxed and full consultation with a member of our team.
    • speak directly to a nurse. If further advice is required, a GP will aim to call you back within the hour.
  • Treatment for the most commonly diagnosed cancers (breast, bowel and gynaecological) is provided through our unique network of specialist cancer centres, which guarantee you will be treated by an expert cancer specialist team. If you have NHS Cancer Cover Plus, you will have access to specialists through the NHS.
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