Bupa Health Insurance Overview

Bupa was established in 1947 under the name British United Provident Association. Today Bupa is one of the most recognisable health insurance providers in the UK. They believe in helping people to live longer, healthier and happier lives. It is not just private medical insurance Bupa provide, they also own other healthcare services like care homes and dental clinics.

There are three Bupa health insurance policies available ranging from fully comprehensive to a entry-level product with Bupa Fundamental 

Bupa offer 3 policies to suit different customer needs, they are:

  • Bupa By You (comprehensive cover)
  • Bupa Treatment and Care (in or day patient only)
  • Bupa Fundamentals (limited outpatient option). This product is only available through intermediaries like Healthcare Clarity. 

Health Insurance Awards

Health Insurance & Protection Awards – Best Group PMI Provider (2018)
Health Insurance & Protection Awards - Best Online Intermediary Service Provider (2018)
Moneyfacts – Highly Commended – Best PMI Provider (2018)
Moneyfacts – Commended Best Healthcare Services (2018)
Cover Excellence Awards – Highly Commended – Best Group PMI (2018)
Bupa By You Comprehensive 5* Defaqto Star Rated

Bupa Health Insurance Review

  • Bupa are currently very competitive against the rest of the market, when it comes to the comprehensive level of cover. Including full outpatient benefit on their Bupa By You product.
  • There are 3 different hospital lists available.
  • They work with many specialists and consultants (you can check online if your consultant is Bupa recognised).
  • In our experience the claims process is very simple and this year we have had a number of clients claim successfully, in a very short window. This is not something that can be guaranteed, but as a health insurance broker that helps assist clients with their claims, we have been very happy with the service from Bupa.
  • If you choose to limit your outpatient cover on a Bupa By You product, this also limits your access to outpatient diagnostic scans and tests, that are not MRI, CT or PET scans.
  • There is currently no option to add on private GP cover to personal plans.

Bupa Health Insurance Policy

Bupa’s comprehensive health insurance policy provides the highest level of cover. The 5-star Defaqto rated policy ensures you are covered for diagnosis of your condition, treatment and the aftercare. The comprehensive policy can be adapted to set an out-patient limit, excess level and the option to exclude cancer cover.

Inpatient Cover

  • In patient and day patient treatment is covered in full with Bupa Comprehensive. 

Outpatient Cover

  • The outpatient cover can be set from £500 to No Limit.  

Hospital List 

  • On this policy there are three hospital lists to choose from, Essential Access, Extended Choice and Extended Choice with central London. 

Additional Benefits

  • This policy gives you the peace of mind that you will be able to be treated privately every step of the way.
  • Bupa Anytime Healthline – 24/7 unlimited telephone consultations with Bupa’s team of nurses and GP’s
  • Access to a range of special offers such as 20% of Aasics Sportswear and 10% off hotels.com
  • Mental Health – up to 28 days per person, per year

Bupa’s Treatment & Care policy is suitable for those looking to be treated privately but are happy to be diagnosed by the NHS. 

Inpatient Cover

  • In patient and day patient treatment is covered in full with Bupa By You Treatment & Care. 

Outpatient Cover

  • None pre-treatment, post treatment in full within 6 months of the discharge date of your treatment.

Hospital List 

  • Bupa By You Treatment & Care policy has three hospital lists to choose from, Essential Access, Extended Choice and Extended Choice with central London. 

Additional Benefits

  • Bupa Anytime Healthline – 24/7 unlimited telephone consultations with Bupa’s team of nurses and GP’s
  • Access to a range of special offers such as 20% of Aasics Sportswear and 10% off hotels.com
  • Mental Health – up to 28 days per person, per year

The Bupa Fundamental policy is the most basic of all three policies and is only available through intermediaries like Healthcare Clarity. With this plan there are limited options to increase cover. 

Inpatient Cover

  • In patient and day patient treatment is covered in full with Bupa Fundamentals. 

Outpatient Cover

  • Paid in full, only when directly following and consultations related to private day-patient or in-patient treatment. Consultations must follow within six months of the discharge date of that treatment and are limited to a maximum of two per year.

Hospital List 

  • Bupa Fundamentals policy has three hospital lists to choose from, Essential Access, Extended Choice and Extended Choice with central London. 

Additional Benefits

  • Bupa Anytime Healthline – 24/7 unlimited telephone consultations with Bupa’s team of nurses and GP’s
  • Access to a range of special offers such as 20% of Aasics Sportswear and 10% off hotels.com

Healthcare Clarity is a Bupa intermediary. We are authorised by the financial conduct authority (FCA) to give clients advise on private medical insurance plans. Our service is free to clients and we are paid a percentage commission on the business placed with the health insurer. This does not mean you will pay more by using our service.

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