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Compare our health insurance plans
If you’re still unsure which health insurance plan is right for you, we’ve got you covered. Choose between our two cover options, Comprehensive health insurance and Treatment and Care.
Need help understanding which cover is right for you?
Call us on 0808 250 9209
Lines are open Monday to Friday 8am to 8pm.
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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 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.
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.
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.
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.
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.
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.
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.
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.
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.
Two plans to choose from
Comprehensive health insurance
- Our highest level of cover.
- Covers both private diagnosis and treatment.
Treatment and Care health insurance
- Covers private treatment but not private diagnosis.
- For those who are happy to be diagnosed by the NHS but would like to receive treatment privately.
Compare health insurance plans
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Comprehensive
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Treatment and Care
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Diagnosis |
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Treatment |
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Cancer cover |
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Treatment in hospital |
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Other benefits |
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Comprehensive
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Treatment |
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Cancer cover |
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Treatment in hospital |
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Other benefits |
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Need help understanding this?
See our Comprehensive and Treatment and care pages.
What’s not covered on any policy?
- Life events like pregnancy, menopause or ageing.
- Allergies and food intolerances.
- Allergies and food intolerances.
- Conditions you had before your policy started.
We also call these pre-existing conditions. Your policy usually won’t cover injuries or conditions you had before your cover started.
For example, if you had a knee injury in March, and then took out health cover in June, your new policy wouldn’t cover this injury. You also couldn’t claim for any tests or treatment related to the knee injury. This is because your symptoms began before you had cover. - Ongoing health issues with no known cure,
We also call these chronic conditions. Diabetes and asthma are examples of ongoing health issues with no known cure. Your policy usually won’t cover treatment related to ongoing or chronic issues.
There are some exceptions. Bupa may cover ongoing care for mental health or cancer. Even if there is no cure.
There are other exceptions to the rules that might apply to you. So, if you have a question, it’s worth getting in touch.
What’s not covered on our Treatment and Care policy?
Our Treatment and Care policy also has these three exclusions. These are as well as the exclusions that apply to all policies.
- Out-patient appointments before treatment
These are appointments that a GP or specialist might recommend that you have before you’re diagnosed. You might have these at a hospital, but you wouldn’t need to be admitted for the day or stay overnight. These appointments would help to diagnose what’s wrong with you. - Tests before treatment
These are tests that a GP or specialist might recommend before you’re diagnosed. The tests would help to diagnose what’s wrong with you. - Scans before treatment
These are scans that a GP or specialist might recommend before you’re diagnosed. The scans would help to diagnose what’s wrong with you.
Our Treatment and Care policy is designed for those who are happy to be diagnosed by the NHS. It doesn’t cover appointments, scans or tests that you may need before you are diagnosed. If you’d like to include these, see our Comprehensive health insurance.
Important documents
Check our Comprehensive and Treatment and Care cover summaries for a quick overview of what’s covered in each policy. Or see Policy benefits and terms for full details. Our booklet, Important points about your cover, has examples showing how our cover works.
Learn more about private health insurance
Get a better understanding of our health insurance cover. We also cover topics such as looking after yourself as a parent and looking after your children’s health.
Private health insurance exclusions
Before you take out health insurance, check what is and isn’t covered.
In-patient and out-patient cover
Find out what terms like in-patient and out-patient cover mean.
Getting insurance when you’re self-employed
We’ve put together some FAQs about health insurance when you’re self-employed.
Will I need an excess on my health insurance policy?
Health insurance policies often include an excess. See our guide to understanding how excess works.
There are several benefits of taking out health insurance. If you develop a condition, you’ll have quick access to the treatment you need to help you back on the road to recovery.
Costs for treatments that are covered by your policy will be paid in full, as long as you:
- Use a fee-assured consultant. This means we have agreed to pay their fee in full.
- Get treatment from a hospital in your chosen network.
This could also depend on the terms of your individual policy.
Once you're a member, you can use your policy straight away for any conditions that begin after your policy start date. We may need to ask you some questions to check your policy covers the condition. For example, conditions that you had before your policy began are not covered.
You can also start to use our digital GP service and call our health lines, as soon as you have signed up.
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Get a health insurance quote with us now
Our health insurance is designed to suit you. You can get a personalised quote by chatting to us and answering a few questions about your health and lifestyle.
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‡ 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.
Bupa Anytime Healthline and Bupa Blua Health services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.
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 No. 631336. Registered office: 1 Angel Court,London EC2R 7HJ.
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 and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.
Page last reviewed: 13/05/23