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I need help. What’s my next step?

Even if you have a history of mental illness, that doesn’t automatically mean we can never support you in future. Every decision we make is based on your personal circumstances, so please call us on 0113 495 0866^ to discuss your options. Here’s some more helpful information about our support for pre-existing mental health conditions.

Our health insurance is designed to cover you for the treatment of conditions that appear after you take out a policy with us, and that includes mental health conditions*. However, even if you have a history of mental illness, that doesn’t automatically mean we can never support you in future.

When you take out a policy, you’ll usually be asked for some medical history. We’ll ask you about any symptoms, treatment or advice you’ve had in the past, including your mental health and wellbeing. How recent that was will affect what we can cover you for in future. Then we’ll tell you how we could support you in future. This is a wide-ranging area, so even if you’ve struggled in the past with similar but unrelated symptoms, we’d still look to see if we can support you.

For example, if you’ve had PTSD before, we could still cover you for future unrelated episodes of stress. And if you’ve had post-natal depression, we’d still cover you for unrelated episodes of depression. If we do exclude an existing MH condition from your Bupa cover, we may be able to review any such exclusion whenever you renew your policy, so do ask us for a review. We can only consider covering you for previously excluded conditions for which you’ve had no symptoms, treatment or advice for at least 12 months**.

Every decision we make is based on your own personal circumstances, so do call us to discuss your options on 0113 495 0866^. We may record or monitor our calls.

* Please check your policy to see if you have mental health cover.


** The period of time will depend on the condition.

Hear real-life stories from some of our members

Mental health problems affect 1 in 4 adults every year1, so no one should feel ashamed.
We’re here to help: see how we’ve supported other Bupa members on their mental health journeys.††

As of November 2019, analysis based on internally conducted review of the consumer health insurance market. Refers to standard mental health cover when this is included in the selected consumer health insurance product.

Conditions that come back are defined as chronic. As of June 2019, we removed the chronic mental health rule on our consumer policies. However, if you joined Bupa or renewed your policy before June 2019, the chronic rule will still apply until you renew. Your certificate will show the date of your next renewal – but please call us if you are unsure. For any business policies please refer to your policy documents to see if you have mental health as part of your cover. If you have mental health benefits your policy documents will confirm if your employer has chosen to remove the chronic rule for mental health conditions.

††Each story refers to mental health cover and reflects the experience of one particular Bupa member. The cover you choose will have specific terms and conditions and pre-existing conditions are normally excluded.

1 . Mind.org: https://www.mind.org.uk/media/34727125/facts-statistics-2017-pdf-version.pdf (PDF, 0.3MB)

‡‡Most of our policies (with mental health benefits) cover one addiction treatment plan per membership lifetime. If additional treatment was needed, we could fund out-patient addiction treatment - subject to available benefit limit in the policy year. If you are unsure of your benefit limits, please refer to your policy documents or call us.

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 by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London EC2R 7HZ.

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