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Health insurance, often referred to as private medical insurance, gives you access to private healthcare for conditions that are covered by your policy and develop after your policy starts. One of the main benefits of health insurance is the speed of access to medical treatment.

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.

With Bupa, you’ll be covered for acute conditions (disease, illness or injury that are likely to respond quickly to treatment) that begin after your policy starts (pre-existing conditions may affect what your policy will cover you for). The environment you’ll be treated in will vary depending on where you’re located and the type of treatment you need. You could be treated in a private hospital, health centre or private section of an NHS hospital.

There are general exclusions which are not covered as standard within our health insurance policies, for example the long-term treatment and monitoring of chronic conditions or cosmetic surgery.

We’ll also need to know about any pre-existing conditions or symptoms you may have. Pre-existing conditions won’t affect the cost of your policy, but they may affect what your policy will cover you for. Pre-existing conditions, and related ailments, are often excluded from your policy because health insurance is designed to treat new conditions that occur after your cover has started.

Details of the full list of exclusions can be found in the Bupa By You policy benefits and terms (PDF, 0.4MB).



Don't forget that as a member of the Institute of Directors you could save 10% on Bupa By You health insurance.

To get a quote you'll need to call the IoD dedicated telephone number 0800 030 8007 (provided by Healthier Intermediaries) and advise them you are an Institute of Directors member so they can apply your discount.

Applies to eligible Institute of Directors members on quotes for new Bupa By You policies. Discounts will be reviewed on 22 October 2021 and any changes will then apply to renewals and new quotes taken out after that date. Quotes are valid for 14 days. Terms and conditions apply.

Our health insurance benefits

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

Ways to get in touch….



^We may record or monitor calls. Lines are open between 10am and 6.30pm Monday to Friday. Closed weekends.

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 will 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.

††As of August 2021, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa By You health insurance and other health insurance products offering mental health cover. The comparison excludes any special offers or promotions which may temporarily alter the cover offered. Cover comparison information is for personal use and guidance only and does not constitute any contractual representation, warranty or obligation by either Bupa or Defaqto about the completeness, accuracy, reliability, suitability or availability of the comparison. Neither party accepts any liability for errors, omissions, direct or consequential loss in relation to this comparison.

See PDF How we compare: Individuals (PDF 0.2MB)

Babylon Healthcare Services Limited is a limited company registered in England and Wales No 9229684. Registered office: 60 Sloane Avenue, London SW3 3DD.

‡‡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.

Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence-based. Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening.

^We may record or monitor calls. Lines are open between 8am and 8pm Monday to Friday and 9am and 12.30pm on Saturday.

Bupa Anytime HealthLine and Digital GP are not regulated by the Financial Conduct Authority or 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. 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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