Legal notices and terms of use

Please note that these terms apply to the use of our Site. If you buy products or services from our site, additional terms and conditions for those products and/or services will apply.

Before you buy a health insurance policy online please make sure you read the terms and conditions and declarations which apply to this type of purchase.

Where, and to the extent that any section of our Site allows users to upload and/or post content or other information, our Social Media Terms and Conditions will also apply to the use of and access to this part of our site.

If you have any questions about this, or any other aspects of our Site, please Contact Us, and we’ll be happy to help.

Bupa.co.uk has been designed to allow access by internet users and to help you to find out about Bupa, its businesses and services.

We welcome your feedback on any of the Materials on our site, which you can do via the Contact Us page. From time to time some areas of our site, such as Bupa job application pages, are password protected and access is restricted to particular users who have chosen to register their details with us. This is to protect the personal data that they have provided to us from public access.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures in relation to our Site, you must treat this information as confidential. You must not disclose it, or allow it to be disclosed, to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of these terms of use or any other term or policy set out or referred to therein or otherwise on our site or that apply to you.

If you know or suspect that anyone else knows your user identification code or password, you must promptly notify us by email to [email protected].

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales with registration number 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Bupa health insurance is arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.

Bupa Insurance Limited and Bupa Insurance Services Limited are subsidiaries of The British United Provident Association Limited.

The Financial Conduct Authority does not regulate the activities of Bupa Insurance Limited that take place outside of the UK.

The PRA and FCA regulation numbers of Bupa Insurance Limited and Bupa Insurance Services Limited are 203332 and 312526 respectively.

Details of the FCA (including its rules) can be found on its website and the PRA (including its rules) can be found on the Bank of England . Details of the rules and handbooks for both the FCA and PRA can also be found on the Bank of England website.

You can check the Financial Services Register by visiting https://register.fca.org.uk or by calling the Financial Conduct Authority on 0800 111 6768.

We may revise these terms, and/or the other terms and/or notices set out on this site at any time by amending the relevant page and/or updating the terms or notices on it. Please check this page from time to time to see any changes we make, as your continued use of our Site after we’ve posted them or made any changes confirms that you accept them.

We also reserve the right to change any of the content and/or Material on the site from time to time.

We may sometimes and possibly without notice, withdraw or suspend access to some or all of the material or pages available on our site. This is so we can maintain or protect our site. While we don’t expect this to happen regularly, if it does, we apologise for any inconvenience that may be caused.

We are not liable for any loss or inconvenience you may suffer if our Site or any of its Material become unavailable at any time or for any period. Please respect our Site and the right of other users to use its Material. Your access is as our guest and If you breach any of these terms, or we reasonably suspect a breach of these terms, your right to use our site will end immediately and without notice.

We follow design principles, like using simple language instead of health jargon, so that everyone can access our website on a mobile, tablet or computer, or with assistive technology.

We aim for both Web Accessibility Initiative (WAI) and WCAG 2.0 level A accessibility to improve experiences for anyone with a disability.

Finding your way around our website

• Links to useful information - If a word is underlined, you can click on it to find out more. Links to non-Bupa websites and downloadable files such as PDFs will open in a new window.
• Help with downloads - To open files on our website, download Adobe Acrobat Reader from the Adobe website.
• Customise your visual web settings - You can adjust your settings to change things like the size and colour of fonts. Follow these guides to make changes in Firefox, Microsoft Edge or Google Chrome.
• Screen readers and non-mouse users - Access our website using your standard keyboard short cuts. We make our links as descriptive as possible.

Insurance customers accessing documents

We offer a choice of Braille and large print for our letters and literature. Call us on 01784 410 900^{^} and we’ll aim to provide these by post within 10 working days.

Main policyholders can also view documents online by logging into My Bupa. You can zoom in to increase the font size of these documents when using My Bupa.

We also offer audio versions of our documents. Please dial 18001 01784 410 900^{^} to request these using Relay UK. Their call assistants are bound by confidentiality, so your details will be safe and protected.

All the information and content on our Site, including but not limited to the Materials posted on the Site, attract various legal rights, known as intellectual property rights (“IPRs”), and are protected by laws and treaties around the world. We are the owner or the licensee of all IPRs in our Site and in the Materials published on it, such IPRs including but not limited to copyright, database rights, domain name rights and trademark rights (whether registered or unregistered), and we reserve all rights in the same, wherever in the world such rights may arise.

Nothing in these terms grants you any right, title or interest to any of the IPRs on, or within, our Site or any Materials on our Site.

Please note that you can enjoy the rights set out below (see: Sharing our Site and its content) and we encourage you to share our Materials in this way in the hope that they will help others to adopt a healthier lifestyle.

However, we reserve our right to take any appropriate legal action required to protect or enforce our legal rights if you should seek to misuse or otherwise abuse our Site or any of the Materials in any way or if you infringe our IPRs in any way.

Please also be aware that you are responsible for obeying all applicable laws in any relevant jurisdiction relating to the IPRs subsisting in our Site and any Material, especially if you are accessing our Site from outside the UK.

Bupa and/or its licensors are the owners of the copyright and database rights in our Site, except where specifically stated otherwise, including without limitation content data, design, graphics, text, images, software and underlying source codes. Bupa is the owner of all trademarks, service marks, trade names, logos and devices appearing on our Site, whether registered or unregistered, except where specifically stated otherwise.

If you see any Materials on our Site that you want to download, copy or share with others, or if you want to link to our Site, you should check carefully that this sort of activity is allowed. Many pages on our Site are provided with functionality to share links and/or content to Facebook, Twitter, email and other sharing services. In these instances specific permissions should have been set out. If it is unclear then please see the permission terms set out below.

If you want to reproduce or publish any of our Bupa content in your own publication or website, you must always identify Bupa as the source of the extract copied and provide a link back to our Site. Linking to our Site is dealt with in the section set out below. Otherwise, you will not be authorised to reproduce or publish content from our Site or the Materials in this way or to link to our Site and may be in breach of UK IPR laws or other similar local laws outside the UK (see above) which could result in sanctions or legal action being taken against you. You must also comply with the following sections (Permission to download or print content and Linking) in each case to the extent these are relevant.

You must not use any of the Materials or otherwise link to or access our Site for commercial purposes without our consent. If you are a member of the press please seek permission to use these Materials (and others) from our media centre.

If you print off, copy, download, share or repost any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

If you wish to make any use of our Site, its content and Materials other than as set out in these terms of use, please contact us.

You may link to our home page, as long as you do so in a way that’s fair and legal and doesn’t damage or take advantage of our reputation.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that isn’t owned by you.

Our site must not be framed on any other site, and you must not create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all material respects with the content standards set out in these Legal Notices and Terms of Use and any documents referred to in them and in our Social Media Policy.

Other websites, apps or resources may be available via a link from our Site and they are not all owned or controlled by us. As such, before clicking a link to other websites, apps or resources, please be aware that they may be subject to separate terms and conditions. Please carefully check these terms of use before accessing or using their content. We have no control over the content of any third party non-Bupa sites, apps or resources, and so cannot accept any responsibility for them or for any loss or damage that may arise from you using them. In particular, it is the relevant third parties’ responsibility to make sure that their websites, apps and resources (and any related material) comply with all relevant laws and regulations. To the fullest extent permissible by law, Bupa excludes any and all liability for any third party content including, without limitation any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations. Please note, the inclusion of a link to a third party website should not be taken in itself to mean endorsement by Bupa of the website, the site owner, or any specific content to which it points.

This Site, or other Bupa websites or apps that it links to, may enable you to enter into a contract with us, or another Bupa entity for the supply of certain information, goods or services. Where you use any other such Bupa websites or apps or where you make any purchase, your use of the website or app or any purchase made will be governed by the specific terms and conditions set out on that website or app, or made available to you at the time of purchase.

You may not conduct, facilitate, authorise or procure any text or data mining or web scraping in relation to our Site. This includes but is not limited to: use of any "robot", "bot", "spider", "scraper" or other automated device, program, tool, algorithm, or process to access, obtain, copy, monitor or republish any portion of the Site or any data, content or information accessed via the same; use of any automated analytical technique aimed at analysing text and data in digital form to generate information which includes but is not limited to patterns, trends and correlations.

The provisions in this clause should be treated as an express reservation of our rights in this regard.

This clause shall not apply insofar as (but only to the extent that) we are unable to exclude or limit text or data mining or web scraping activity by contract under any laws applicable to us.

This Site is only targeted to, and intended for use by, individuals located in the United Kingdom (each, a “Permitted Territory”). By continuing to access, view or make use of this Site, you hereby warrant and represent to us that you are located in a Permitted Territory. If you are not located in a Permitted Territory, you must immediately discontinue use of this Site.

Given the informational nature of our Site, relatively little information may be collected about our Site visitors. However, should any information be collected or processed about you, that will be done and carried out under and in accordance with our Privacy and Cookie Policy. By using our Site, you consent to this processing and warrant that all data provided by you is accurate. If you have any queries or concerns please contact us .

We are the owner of various trade mark registrations in the UK and elsewhere. Our registrations include but are not limited to our “Bupa” trading name and “Bupa heartbeat” logos. You are not permitted to use them without our approval, unless they are part of Materials you are using in accordance with these terms of use.

For more information about how we use cookies on our Site, please see our Privacy and Cookie Policy.

This section applies to any relevant direct debits.

• This guarantee is offered by all banks and building societies that accept instructions to pay direct debits.
• If there are any changes to the amount, date or frequency of your direct debit, Bupa will notify you 10 working days before your account is debited, or as otherwise agreed. If you ask Bupa to collect a payment, we will provide you with confirmation of the amount and date at the time of the request.
• If Bupa or your bank or building society make an error in direct debit payment, you’re entitled to a full and immediate refund of the amount paid from your bank or building society. If you receive a refund you’re not entitled to, you must pay it back when Bupa asks you to.
• You can cancel a direct debit at any time by contacting your bank or building society. Written confirmation may be required. Please also let us know.

While we make efforts to try and ensure that any Materials available for download from our Site are free from infection, viruses and/or other harmful code, we cannot and do not guarantee or warrant that it will be so. When you visit our Site, please understand that you are solely responsible for implementing sufficient procedures and virus checks (including anti-virus, firewall and other security protection) on any system or equipment you might use to access it.

As such, we aren’t liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our site or to you downloading any material posted on it, or on any website linked to it.

We cannot accept any liability or responsibility for any reliance you, or anyone else who may be informed about or with whom you share any of our content, might place on any of the Materials. Any medical or other professional advice or information posted on our Site should be regarded as general information only and not a substitute for professional advice. You should always seek specific advice about your circumstances from your doctor or other appropriate healthcare professional.

Updates to content

While we update the Materials on our Site, from time to time, this is not always possible or practical. This means we don’t give any guarantee or commitment that our Materials will always be accurate or up-to-date, so please check this before placing any reliance on the information freely provided.

Content locality

Unless otherwise specified, the content and Material on our Site are directed solely at those who access our Site from the United Kingdom mainland. The Bupa group makes no representation that any information, product or service referred to in the content or Materials on our Site are appropriate for use, or available, in other locations outside of the United Kingdom mainland. People who choose to access our site from other locations are responsible for compliance with all applicable local laws.

Accuracy of content

Unless otherwise stated, our site is for information only. Bupa has aimed to use reasonable care and skill in compiling the content of our site. but makes no warranty or representation as to the accuracy of any information on our site and Bupa shall not be liable for any errors or omissions.

Sensitive content

Our site may contain content featuring or graphically representing medical or surgical procedures, which are provided for educational or informative purposes only. If you find or are likely to find such images offensive please don’t view them. If necessary, click on the "Back" button at the top left hand corner of your screen, or the "Home" link which appears as the first tab on the row of tabs towards the top of your screen. Given that there is such content on our site, parents are advised not to allow their children to browse it. You should not access our site if you are under the age of 18.

Use of content

Bupa shall not be liable to anyone for any loss or damage that may arise from their use of or reliance on any of the information, content or materials included in our site including without limitation, indirect or consequential loss or damage, loss of actual or anticipated profits, loss of revenue, loss of business, loss of opportunity, loss of anticipated savings, loss of goodwill, loss of reputation, loss or damage to or corruption of data, loss of use of money or otherwise.

The information, content or material on our site is/are for information only and is not intended nor implied to be a substitute for professional medical advice, or for medical diagnosis or treatment, generally or in any given situation. You should seek specific professional or specialist advice before doing anything based on any content on our site.

Third party content

Material appearing on our site may include advertising and other material submitted by parties other than Bupa. It is the responsibility of the relevant third parties to make sure that such material complies with all relevant laws and regulations. To the fullest extent permissible by law, Bupa excludes any and all liability for any third party content including, without limitation any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.

Our site and all Materials are provided on an ‘as is’ and ‘as available’ basis. This means that there are no guarantees, conditions or warranties (express or implied) offered by Bupa, or the other members of the Bupa group of companies, or any third parties connected to us that any of our Materials will be:

• complete, accurate, up-to-date or error-free
• available or uninterrupted
• suitable for any particular purpose or capable of performing any function or providing any particular result; or
• free of viruses, contamination or destructive features

To the extent permitted by law, we, the other members of the Bupa group of companies and all third parties connected to us hereby expressly exclude:

• all conditions, warranties, representations and other terms which might otherwise be implied by statute, common law or the law of equity
• all liability for any direct, indirect or consequential loss or damage incurred by any person in connection with our site or in connection with or resulting from the use or inability to use our site and/or any materials and any websites linked to our site or materials including, without limitation, any liability for:
• loss of income or revenue
• loss of business
• loss of profits or contracts
• loss of anticipated savings
• loss of data
• loss of goodwill
• wasted management or office time

and however the loss in question arises and whether it is caused by tort (including, but not limited to, negligence), breach of contract or otherwise, and regardless of whether it was foreseeable or not.

If, in any way whatsoever, we are found to be liable to you for any damage or loss (including, without limitation, through negligence) which arises in any way out of, or is in any way connected with, your use of our Site or Materials or service. Our liability shall not exceed the total of GBP50 (fifty pounds).

These terms do not affect, or exclude or limit Bupa’s liability for

(a) death or personal injury caused by the negligence of Bupa or any of its employees or agents

(b) liability arising from any fraud or fraudulent misrepresentation by Bupa or any of its employees or agents

(c) any liability which cannot be limited or excluded by applicable law.

If any part of these terms or notices is or are deemed unlawful, void, invalid, illegal or for any reason unenforceable under applicable laws then that part will be deemed deleted and will not affect the validity and enforceability of the remaining parts. Any failure by us to enforce our rights or remedies under these terms of use or otherwise shall not be construed as a waiver by us of those or any other rights or remedies.

These terms and the notices on this site and any dispute or claim arising out of or in connection with our site or its material, including any intellectual property rights infringement or dispute and/or non-contractual dispute or claim will be governed by and construed in accordance with English law.

The English courts will have exclusive jurisdiction over any claim (including, without limitation, any non-contract claim) arising from any use of our site or its material although we retain the right to bring proceedings against you for breach of these terms in your country of residence or any other relevant country.

Bupa’s purpose is to help people live longer, healthier, happier lives and to make a better world. We care for our customers over the long term, build trust and strong relationships with our communities and grow our business in a safe, ethical and sustainable way.

Combating financial crime plays an important part in achieving these goals: building a culture of honesty and integrity, playing our part in reducing crime and identifying those involved in criminal activity and, by reducing fraud, better managing costs and protecting our customers.

Bupa has zero tolerance for all forms of financial crime including fraud, bribery and corruption, sanctions, money laundering and terrorist financing and the facilitation of tax evasion. We take these matters extremely seriously and we have policies, training programmes and monitoring processes to manage the risks.

Our people are required to maintain high standards of conduct and integrity. The Bupa Code sets out what we expect of them. We expect the same of our business partners; those who supply goods and services to Bupa, agents, brokers or other intermediaries acting on our behalf.

If you have a financial crime concern about Bupa, we encourage you to share it with us. We have a “Speak Up” facility to enable any suspicions or concerns about possible fraud or other types of financial crime to be reported confidentially. All reports will be directed to a Speak Up Officer who will contact you via our Speak Up website to discuss your concerns. The Speak Up service is completely confidential and, although we encourage openness at Bupa, you can keep your name secret if you prefer.

Bupa is committed to combating the real and growing problem of modern slavery and human trafficking.. Read our latest Modern Slavery Act Statement for the financial year ending 31 December 2023 here: https://www.bupa.com/important-notices/modern-slavery-statement

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales with registration number 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 with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.