BUPA Health Insurance Review

  • Up to 10% saving on family plans
  • A choice of 2 main plans
  • A leading  health insurance brand

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We hope our independent review of the BUPA Health Plan will help you decide whether it's the right plan for you.

About BUPA

BUPA was created on 3 April 1947.

It was originally called the “British United Provident Association” but today BUPA is a private company limited by guarantee without shareholders.

Today it provides services to over 27 million people across the globe, employing around 86,000 people in the process. Its headquarters are in London.

The BUPA Health Insurance options

BUPA offer 2 main health insurance plans plus other related products that maybe of interest.

BUPA Medical Insurance options

As with most policies of this type, the cover exists to help with conditions that arise after you have taken out a policy.  Although there are typically no medicals required in advance, there are special provisions and exclusions that apply to pre-existing medical conditions and these would be discussed with you on a case-by-case basis.

BUPA offer 2 main plans names; Comprehensive and Treatment & Care - details of cover are listed below.

Dental Care Plans

BUPA Dental care offer a range of services whether you are an NHS or private dental patient.

They have 3 dental insurance plans to choose from:

  • Dental Cover 10
  • Dental Cover 20
  • BUPA Dental Health Plan

Each offer a range of services depending on your budget - visit the BUPA website for more details or call us for a quote.

Pay as you go treatments

This is as simple as it sounds, you pay for the teatment as you need it.

The most popular types of treatment are:

  • Knee replacement surgery
  • Dermatology
  • Physiotherapy
  • Cataract surgery
  • Hip replacement surgery
  • Private GP services

Elderly Care Services

BUPA offer a support service to the elderly and their families seeking long term care.

What's covered in the BUPA Health Insurance Plan

Comprehensive Plan Cover

The BUPA Comprehensive Medical Insurance Plan

This is BUPA’s highest level of private health service provision. It covers (in summary) diagnosis and treatment in areas such as:

  • Access to outpatient diagnostic services (some are subject to financial limits)
  • Treatment as an in-patient or out-patient. That includes further tests if required by a consultant. Some financial limits may apply in some cases
  • NHS cash benefits if you select NHS treatment for an eligible private treatment case 
  • Treatment at home – paid if you’re treated at home (e.g. some forms of chemotherapy) in a qualifying case  
  • Procedure specific NHS cash benefits – paid to you if you opt to have certain specified qualifying ailments or conditions treated under the NHS
  • Home nursing 
  • Private ambulance 
  • BUPA Anytime HealthLine 

Treatment & Care Plan Cover

BUPA Treatment and Care Medical Insurance Plan

This level of cover typically is based around cases where your condition has already been diagnosed by the NHS and you are seeking to now have private treatment. It typically provides treatment in areas including:

  • Hospital treatment 
  • Out-patient therapies 
  • Mental health 
  • Post treatment out-patient consultations 
  • Post treatment tests 
  • Post treatment scans 
  • Cancer treatment and drugs
  • NHS cash benefit 
  • NHS cancer cover cash benefit 
  • Treatment at home 
  • Procedure specific NHS cash benefits 
  • Home nursing 
  • Private ambulance 
  • BUPA Anytime HealthLine.

Please note, as with all health insurance, the above benefits are subject to conditions and requirements. You may also be able to vary them based upon your own personal requirements (e.g. for specific hospitals) and that may affect the cost of your cover.

Plan exclusions

This type of policy typically doesn’t cover

BUPA, as all health insurance providers, typically do not cover pre-existing conditions and they also exclude a range of other conditions and treatments from cover.

A summary of those is provided here and it is always advisable to read the policy’s conditions carefully to be sure that they’re aligned to your needs.

Their cover will typically exclude (this list is not exhaustive):

  • Ageing, Menopause and Puberty
  • AIDS/HIV
  • Allergies or Allergic Disorders
  • Birth Control, Conception, Sexual Problems and Sex Changes
  • IVF investigations or treatment
  • Surrogacy, harvesting donor eggs or donor insemination
  • Treatment of infertility
  • Pregnancy and Childbirth
  • Chronic Conditions and Chronic Mental Health Conditions
  • Treatment costs arising from complications caused by experimental procedures
  • Contamination, Wars, Riots and Terrorist Acts
  • Therapist, Complementary Medicine Practitioner or Mental Health and Wellbeing Therapist
  • Cosmetic, Reconstructive or Weight Loss Treatment
  • Treatment to change the shape or appearance of breasts, including gynaecomastia (the enlargement of breasts in males) Treatment or surgery for or with the intention, directly or indirectly, of removing healthy tissue or surplus or fat tissue, including surgery related to obesity/ morbid obesity
  • Scar revision or treatment of keloid scars
  • Deafness including or deafness arising from congenital abnormality, maturing or ageing
  • Dental/Oral treatment
  • Treatment relating to jaw shrinkage or loss, as a result of dental extractions or gum disease, bone disease when related to gum disease or tooth disease or damage
  • Dialysis treatment
  • Drugs and dressings for Out-patient or Take Home Use and Complementary and Alternative Products.
  • Eyesight treatment
  • Epidemics/Pandemics
  • Intensive Care
  • Learning difficulties, behavioural and developmental problems
  • Physical aids and devices
  • Pregnancy and childbirth

Pre-existing medical conditions

Will I be covered if I have an existing medical condition?

BUPA will require you to complete a health declaration form, though no medical is required.

Typically, pre-existing conditions will not be covered though there may be some exceptions. A discussion is usually required to be sure.

Switching an existing health insurance plan to BUPA

Can I switch my existing health insurance cover to BUPA?

Yes, whether you have a private health insurance policy or part of a company health insurance scheme, BUPA will guide you through the process.

Any eligible conditions you might have could remian covered with BUPA and there is no need for your application to be re-underwritten.

Simple Illustration of costs

Can I afford a BUPA health insurance plan?

The following is provided to help you compare health insurance quotes (correct as at June 2017).

Comprehensive cover commences at £60.01 for a 50-year-old male living in the South East of England who is a non-smoker and in a professional occupation.

Treatment and Care cover starts at £48.37

The prices may vary significantly depending upon which additional options and excess levels you select.

That needs to be considered when you’re trying to compare health insurance quotes.

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Reasons why you may consider BUPA Health Insurance

Is a BUPA health insurance plan right for me?

  • Access to BUPA rewards, which provides discounts from some of the UK’s biggest names in health and wellbeing, leisure, travel, home entertainment and retail
  • Affordable and simple cover levels
  • Payment in situations where you choose (or have no choice) other than to seek NHS treatment in qualifying conditions
  • One of the most experienced providers of health care in the UK.

How to get a BUPA Health Insurance Quote

You can go direct to BUPA Health or you can use our comparison service through our partner Assured Futures, who will look at the whole of market for you offering the same plans at the same price, but ensuring that you get advice on all providers plans that suit your circumstances and budget.

You could start by getting online health insurance quotes here and then if you wish call them on 0845 145 0070 to discuss your options and how they can keep the price as low as possible for you.

Or you can take a look at other health insurance reviews to compare before getting quotes.

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We will give you £50 if you find a cheaper like for like plan elsewhere

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