Bupa health insurance for Santander customers

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£150 cashback for Santander customers

We understand that looking after the health and the wellbeing of your family is more important than ever. That’s why we’re working with Santander to give you £150 cashback when you buy a new Bupa By You health insurance policy.

The cashback gets paid to you after six months of you holding the policy. You must purchase your policy over the telephone using the dedicated telephone number 0808 304 4169^{^} to qualify.

Terms and conditions (PDF, 0.9MB) apply.

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Health insurance: your questions answered

Transcript

Can I use health insurance abroad?

Bupa Bayou Health Insurance is a UK only product.

If you work or live abroad,

then you can look at our Bupa global suite of products.

If you are going on holiday, then you should look at travel insurance.

What is comprehensive cover?

Comprehensive cover is our highest level of cover.

One of the main differences is the outpatient limit. It's got full outpatients,

which means things like consultations, diagnostic tests,

your x-rays, your blood tests, your M R I scans, for example,

would be paid in full physiotherapies covered as well,

as well as mental health outpatient therapies,

and that is kind of the main difference.

The only thing to bear in mind is if you have an excess, the excess would apply.

Does health insurance cover dental treatment?

No health insurance doesn't cover dental treatment.

Bupa does have dental insurance policies,

and you can find out more on the dental insurance policies either on our website

or given us a call.

Does health insurance cover cancer?

Yes it does. Bupa has its cancer promise.

If you have cancer cover included on your policy,

we will cover you for as long as you have cancer. From diagnosis,

right through to treatment.

Can I change my cover once I have signed up?

You have 21 days from when you receive your paperwork to change your cover.

You can change your cover at your renewal, but you can cancel anytime.

How quickly can I get an appointment with a private GP?

You can get an appointment with a GP very quickly.

You can download the Bupa Blue Health app in the App store and the Google Play

Store.

The appointments are 24 hours a day and seven days a week.

Can each person on my policy have different options of cover?

Yes, different family members on the policy can have different levels of cover.

So if you, as a parent wanted one level of cover, say for example,

to have full outpatient cover and you wanted your child to have limited

outpatient cover, that's absolutely fine.

Are there different levels of cover?

There are different levels of cover.

You can change the hospital lists because we've got lots of different hospitals

through the uk. You can add and remove cancer cover,

you can change your outpatient limits.

There's different options to suit different budgets.

You can give us a call to talk through these options or find the options on our

website.

What is a platinum consultant?

A platinum consultant is covered on all of our healthcare policies,

including open referral.

They rated good or excellent by the majority of Bupa patients.

They are assured, which means there'll be no shortfalls.

There'll be no extra costs for you unless you have an excess. Of course,

they also are, you can find them on our consultant and facilities finder.

That's finder dot Bupa co uk,

and on their facilities finder and consultant Finder,

you'll see a banner indicating that they're rather a platinum consultant.

Where can I find out more about a hospital, or someone treating me?

Bupa has a consultant and facilities finder.

You can find this on our website.

The address is finder dot Bupa dot co.uk.

On the consultant facilities finder, you can put in your postcode,

you can find consultants and hospitals.

You can even go in and read more details about the hospitals and consultants

that can after you. For example, I saw a physio recently. I play a lot of golf.

I had a golf injury, and I wanted to find a physio that treated golf injuries,

and I was able to do this using the consultant and facilities finder.

What does fee assured mean?

Fear Assured means that the consultant work within our agreed

limits, so there'll be no shortfalls or hidden costs for you.

If you do have an excess, this may apply.

You can find Fear Assured Consultants on our Bupa Consultant and Facilities

Finder. That's finder dot Bupa dot co uk,

and within the finder,

there'll be a banner indicating that they're fear assured.

Does health insurance cover mental health?

Yes, Bupa has one of the most extensive mental health covers in the market,

and we're really,

really proud of it as mental wellbeing is as important as physical wellbeing.

We cover ongoing mental health conditions so long as the mental health condition

started After the policy starts,

we have an array of support and advice available.

One of the health lines that are available is the family mental health line

where you can call up and speak to a speciality trained nurse about a child's

mental wellbeing and get some advice and support,

and the child doesn't have to be covered on the policy.

Who are you?

Hello, my name's Ed Reed. I've been at Bupa for 16 years.

Come and ask me about health insurance, what you're covered for,

and any other questions you might have.

Can I cover my children as well?

Yes, you can add a child up to the age of 21 or

24 in full-time education.

There is a discount sometimes for adding them to your policy.

You can also cover your child independently on their own policy

if you are the parent or guardian.

Will the cost go up every year?

Yes, it's likely the cost will go up each year.

There's a few reasons for that.

The first reason would be age. So as you get older,

you are more likely to make claims, your risk goes up.

Another factor would be medical inflation.

So that is the advancement in technology of drugs and

treatments. And then another factor would be claims.

Claims can affect the cost of your policy.

At each renewal,

you have the option to review the cover and look at cost options,

and you can give our friendly team a call who can take you through those

options.

How much does health insurance cost?

That's a really good question and one we get asked a lot.

It depends on a few factors. One of the factors is your age,

so as you get older, you're more likely to make claims.

Also, your lifestyle can affect the price.

How many people you have on your policy, the policy makeup.

So whether you have a comprehensive policy or your excesses,

there's various different options that you can pick to adjust the price.

The best thing you can do is you can go on our website or you can give us a call

and speak to our friendly team who can go through all the options with you.

What's the difference between health insurance and the NHS?

Everybody has access to the N H s.

You would keep your N H Ss GP and in an accident and emergency situation,

again, you'd use the N H Ss.

Where it's really different is the access or speed of access to

consultations, your treatment, your diagnosis, and your care.

It's also convenient in the sense that you can pick your own appointments around

your schedule, and that's a really big factor.

Does health insurance cover physiotherapy?

Yes, it does cover physiotherapy.

You have the ability to speak directly to a physio through our digital

GP app by speaking to a physio.

It could be quicker than getting referral via your gp, the physiotherapists.

We'd be able to go through different treatment options with you.

It might be that they'll be able to give you a self-management

referral, basically, so you can manage the condition at home,

or they may refer you into physical therapy or physiotherapy sessions.

Once you've been referred, then the outpatient limit does apply,

so that would depend on how many sessions you get. But there are, as I say,

options there to have the physiotherapy sessions available to you.

Does health insurance cover A&E?

No health insurance doesn't cover a and e.

It's because there isn't facilities in private hospitals.

If you have an accident in emergency situation,

then you need to call 9 9 9 or use the one service.

If you following an accident in emergency situation,

there may be times that the private medical insurance will be able to help you

in a follow-up situation.

Can I use my cover straight away?

You can use your cover straight away.

You can speak to a nurse on the Anytime Healthline.

You can also speak to a GP on the digital GP app.

If you do need to make a claim straight away,

we may need a medical report from your gp.

And health insurance is designed to cover new conditions after the policy

started.

How can I get a quote, does this take long?

You can get a quote online. That's the quickest way to get a quote.

If you know what it is you want,

you don't need to talk through any of the options. You've done your research.

Then you can get a quote online and you can actually buy online as well. If,

however, you do have questions and you want to run through your medical history,

and you've got questions maybe about some of the options that are available at

hospital lists and excesses, et cetera,

you're able to give our friendly team a call and they'll be able to talk you

through everything.

What does health insurance cover and what cant it cover?

Health insurance covers any new conditions that started after the policy

starts. For any conditions that started before the policy starts,

they wouldn't be covered.

There are also general exclusions that apply to all of our policies,

and a few examples of the general exclusions are pregnancy, cosmetic surgery,

and chronic conditions.

And a chronic condition is a condition and that can't be cured,

and that would just be maintained. Two examples are asthma and diabetes.

You would typically use the N H S A full list of our general exclusions can be

found on our website.

How does health insurance work?

So health insurance works. It starts off if you have a problem, an ailment,

you would need a GP referral and you can either get a GP referral via your N H

S gp or you can use our digital GP app. Once you have a referral,

you would give us a call and speak to one of our friendly advisors who would

talk you through everything from your policy limits,

if you have an excess who and where to pay your excess.

And we can also help you find a consultant to see.

Once you have the consultant you need to see, you'd give them a call,

book your appointment. At the point that you've called us,

we'd give you an authorization number so we would pay bills directly.

Once you have seen the consultant,

you could then give us a call for any further treatment, but it's really,

really easy.

You just need to give us a call once you've got that referral and we will talk

you through everything to help you.

What's the difference between the three hospital networks?

The main difference is the amount of hospitals in each network,

so you've got the smallest, then the medium, then the largest,

which includes the Central London hospitals.

The best way to find out about the hospitals is to go on a consultant and

facilities finder at Finder Bupa dot co uk.

Type in your post code and have a look at the local hospitals nearest to you.

If you are happy to or want to have hospitals outside of your local area,

then it may be best to look at the higher levels of hospital cover.

What is treatment and care, and what does it cover?

Treatment in care is a policy option that is more cost

effective than our full comprehensive cover. It will cover,

you have access to the digital gp, so you could use that to get a referral.

The main difference is that consultations and diagnostic tests of the

diagnosis side would be covered via the N H Ss.

Once you've been diagnosed with a condition and you need treatment and care,

you would use the policy to cover an operation In a private hospital,

you have a full therapies limit.

So we've covered physiotherapy or mental health therapies,

and once you've had your operation,

we would cover any follow-up consultations within six months of that treatment

and care.

Can I speak to someone if I'm worried about my health?

Yes, we have nurses that you can access through our Anytime Healthline.

We also have GPS Pharmacists,

physios that you can access via our digital GP app,

Bupa Blue Health that you can download in the App Store.

You can access these healthcare specialist 24 hours a

day, seven days a week.

Can I cancel at any time and will I be charged to do so?

Yes, you can cancel at any time. If you are thinking about canceling,

please give us a call.

Will I have access to private GP's?

Yes, you will have access to private gps.

You can access the private GPS via our digital GP app,

Bupa Blue Health.

You are able to speak to GPS over video or on the telephone.

You can access them night and day and 24 hours a day

and it's unlimited appointments.

If you do want to see a G P face-to-face,

you're able to use our pay as you go service.

This isn't included in your policy,

but full details can be found on our Bupa website.

What is PMI/health insurance?

Health insurance or private medical insurance,

often referred to as P M I is an insurance product that can cover

the cost of private treatment, anything from physiotherapy,

the smaller things to the larger things like cancer and everything in between.

And you can pay monthly or annually.

And health insurance is there for any new conditions that arise after the policy

has started.

What does out-patient cover mean?

Outpatient cover is well means when you don't occupy a bed in a

hospital, so you're not a day case or an inpatient.

Outpatient can consist of consultations, physiotherapy,

or mental health therapies.

You have different outpatient limits that you able to choose from.

You can cap the outpatient limit. You can have full outpatient,

or you can exclude it altogether and use the N H Ss for your diagnosis.

When you call us up to pre authorize your claim,

we can talk you through the limits that are available because if you are capping

your outpatient limit,

please bear in mind that that may only cover a few consultations.

When/ how do I pay my excess?

We will let you know who and when to pay your access to when you speak to us.

Please don't pay a provider unless we tell you to do so.

Do I pay an excess for using services like Anytime Healthline or Digital GP?

No, you don't pay an excess for using the digital GP or using the Anytime

Healthline. If you do need to pay an excess,

then we will let you know when to pay the excess and who to pay the excess to.

Can I change my excess part way through the year?

You can't change your excess partway through the year.

You do have the ability to change your excess 21 days after receiving your

documents.

You also have the ability to change your excess at your policy renewal,

and you can find details of your excess on your policy documents.

What is an excess and how does it work?

An excess can make your policy more affordable.

There are a range of different excesses to choose from.

You don't have to have an excess in the policy. The higher the excess,

the lower the monthly subscriptions are.

The good thing about the excess is it's once per person, per policy year,

not for every single claim that you make.

It's not like car insurance excess where you pay it on every single claim.

It is just that once per person, per policy year.

What is a no claims discount and how does it work?

No claims discount affects the price at renewal,

so depending on the size of the claim,

a small claim wouldn't affect the no claims discount as much as a large claim

would. Everyone on the policy has their own no claims discount,

and there are some services that don't affect the no claims discount,

such as the anytime Healthline to speak to a nurse or the digital GP

to speak to a GP or pharmacist.

Those services wouldn't affect the no claims discount.

Can I pay extra to have a pre-existing condition covered?

You can't pay extra to have a preexisting condition covered as part of the

cover. You do have access to a nurse or a digital gp,

and if you've got any questions about what is and what isn't covered,

you can give us a call.

What is full medical underwriting?

Full medical underwriting means we'll ask you some questions about your health

before you join to help you understand what is and what isn't covered.

What is moratorium underwriting and how does it work?

Moratorium underwriting means we won't go through any health questions when you

join. However, when you do need to make a claim,

we will ask you some health questions at the point of claim,

and if we need further information from your gp,

you will need to get this permission for the GP to send us in any medical

reports. There may be a cost to this associated.

It's quicker to buy the policy,

but may slow things down ever so slightly when claiming.

Will my claim take longer if I have moratorium underwriting?

Sometimes yes, as every time you make a claim,

we may need to reach out to your doctor,

but please note your Dr. May charge for this.

What is a pre-existing condition?

Preexisting condition is a symptom or a medical condition that you

had prior to joining us. To give you an example,

if I've got a mobile phone and I crack the screen and I don't have insurance for

it, and I try to get insurance,

that insurance wouldn't cover the crack screen As part of the cover,

you can speak to a nurse or a GP about preexisting

conditions.

If you have any questions about any preexisting conditions or to find

out what is or what isn't covered, please give us a call.

Our health insurance benefits

From fast GP access to flexible cover options, we're there for you.

Health insurance, or private medical insurance, gives you access to private healthcare. It covers all, or some, treatment costs for:

conditions covered by your policy
conditions that start after your policy begins

You pay an annual or monthly subscription for your insurance. You'll then have quick access to medical treatment.

We'll cover you for acute conditions after your policy starts. This covers disease, injury or illness that will likely respond quickly to treatment. Pre-existing conditions may not be covered.

Where we treat you may depend on the type of treatment you need and where you live. You may be treated in a private hospital, health centre or private section of an NHS hospital. This will all depend on if your treatment is eligible, is fee assured and there's a hospital within your chosen network.

Some things aren’t covered as standard in our health insurance policies. For example, most policies don t cover emergency treatment, maternity care or pre-existing conditions.

When you take out a policy, we may need to know about any pre-existing conditions or symptoms you have. This depends on the type of underwriting you choose.

There are two types of underwriting, full medical underwriting and rolling moratorium underwriting. Full medical underwriting means you’ll let us know about any pre-existing conditions or symptoms you already have. You’ll then know what you will and won’t be covered for. Rolling moratorium underwriting means you won’t give us your medical history. Instead, you’ll complete a pre-treatment form each time you need to make a claim. This is so we can confirm if the condition is new or is pre-existing.

Though we don’t cover pre-existing conditions, we can still support you. You can chat to a nurse any time of day or night on the Anytime HealthLine. Or, speak to a doctor with a virtual or face-to-face appointment.

More information about exclusions can be found in the Bupa By You policy benefits and terms (PDF, 0.5MB).

We offer two different types of health insurance cover to give you more choice. You can choose from either:

Comprehensive cover - includes both private diagnosis and treatment
Treatment and Care cover - offers private treatment following a private self-paid or NHS diagnosis

To find out which cover is best for you, you can compare health insurance.

Cover all your children for the price of one

Add more than one child under 20 years old to your policy and you'll only pay for the eldest child. You’ll still receive our 10% family discount, too.

Children aged 20 or over cannot receive free cover or count as an ‘eldest child’ for this offer.
Cover must include at least two children aged 19 or under.
Children do not have to live at the same address as the main member.

These offers apply to our Comprehensive and Treatment and Care policies. We may remove or change these offers when you renew. Read our full terms and conditions (PDF, 0.9MB) for more information.

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Why call us?

When you speak to us over the phone, we offer much more than just setting up a policy.

Get a quote and enjoy £150 cashback
when you buy a Bupa policy

Terms and conditions (PDF, 0.9MB) apply.

Articles to support your wellbeing

^{^} Lines are open between 8am and 8pm Monday to Friday. We may record or monitor our calls.

^‡ As of September 2023, 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 1.0MB).

Bupa Blua Health is provided by Bupa Insurance Services Limited, registered in England and Wales with number 3829851. Digital GP services are powered by eMed Healthcare UK Limited, registered in England and Wales with number 15086104, Registered Office: 184-192 Drummond Street, London, England, NW1 3HP

Bupa Anytime HealthLine and Bupa Blua Health are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Everyday Rewards is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority

Bupa Anytime HealthLine is provided by Bupa Occupational Health Limited. Registered in England and Wales No. 631336. Registered office: 1 Angel Court, London EC2R 7HJ

Santander Insurance Services Limited introduces Bupa health insurance. 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 and Prudential Regulation Authority. Registered in England and Wales No. 382985. Registered office: 1 Angel Court, London EC2R 7HJ.

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