Bupa health insurance for ACCA members
Save 10% on Bupa By You health insurance
When life’s non-stop, taking time out for a health issue might not feel like an option. Which is why, with Bupa, you’ll get fast access to treatment and specialist support, so you’ll soon be back to business as usual.
This offer applies to eligible ACCA members on quotes for new Bupa By You policies.
Our discounts will be reviewed on the 12 December 2024 and any changes will then apply to renewals and new quotes taken out after that date. Our quotes are valid for 14 days. Terms and conditions apply.
Health insurance: your questions answered
Transcript
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.
What is 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.
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.
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.
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.
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.
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.
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.
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.
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.
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 guide (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.
Our health insurance benefits
From fast GP access to flexible cover options, we're there for you.
Talk to a doctor online within 24 hours
Leave waiting behind thanks to Bupa Blua Health.† Our 24/7 digital GP service lets you speak to a doctor online, by phone or video. Call day, night, on weekends or on bank holidays. Our door is always open.
Nurses ready to help, every hour of the day
For the symptoms that niggle or keep you up at night, we can help. Call our Anytime HealthLine to talk to a qualified nurse about any health concerns. Open 24/7 for clear advice, we're always here to talk.
Direct care, for symptoms that won’t wait
If you have symptoms related to cancer, mental health or muscles, bones and joints our Direct Access service is here for you. We'll check your symptoms over the phone and offer guidance on your next steps. We may be able to refer you to a specialist too.
Any onward referrals for consultations, tests or treatment are subject to the benefits and exclusions of your cover.
Whatever the mental health condition, we’ll be there
If you develop a new mental health condition during your policy, we’re here. When it comes to your wellbeing, we cover more mental health conditions than any other leading UK insurer‡. We're proud to offer a number of support options, so you can get the right help, for you.
Cover for yourself and those around you
Couples save 5%
Couples pay 5% less for a joint policy compared to the price of two separate policies. Both people covered must live at the same address.
Families save 10%
Families pay 10% less for a joint policy compared to the price of separate policies for each family member. The cover must include at least one adult and one or more children.
You can also add more than one child under 20 years old to your policy and you'll only pay for the eldest child. No matter how many more children you add. You’ll still receive the 10% family discount, too.
The couple and family 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, 0.04MB) for more information.
Couples’ health insurance
Family health insurance
Our cancer promise
If you have cancer symptoms that start after your policy begins, call us directly. And if appropriate, we can refer you to a consultant right away.
Our full cancer cover means there are no time limits and all of your eligible costs are covered. Just use a hospital or health centre from our network and a consultant that we recognise who charges within our limits. As long as you have cancer cover with your policy, we’ll be with you from diagnosis to treatment.
This is our promise to you.
About the Bupa cancer promise
† Customers who live on the Isle of Man, or have a Bupa Standard, Bupa Premium or Bupa Your Choice policy, do not have access to Bupa Blua Health, but can access GP24 provided by HealthHero. Some corporate schemes don’t include access to Bupa Blua Health or GP24, so please check your scheme documents or give us a call.
‡ As of March 2024, this comparison to other products in the market is based on Bupa’s and Defaqto’s interpretation of the differences between Bupa’s Bupa By You, health insurance products 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.
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 is provided by Bupa Occupational Health Limited. Registered in England and Wales with registration number 631336. Registered office: 1 Angel Court, London EC2R 7HJ.
Rewards by Bupa is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Rewards by Bupa is promoted by Bupa Investments Limited, 1 Angel Court, London EC2R 7HJ. Terms and conditions can be found on the Bupa Rewards page.
Bupa Investments Limited will use your information for the purposes of the administration of Rewards by Bupa. For details of how your information will be processed by Bupa, please visit: bupa.co.uk/privacy.
ACCA introduces Bupa health insurance. 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.
