Bupa Health Insurance Overview

Bupa Global 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 and well-being services, like care homes and dental clinics.

There are three Bupa UK insurance policies available, ranging from fully comprehensive to an entry-level product with Bupa Fundamental.

Bupa offers three policies to suit different customer needs, which are:

Bupa By You (comprehensive cover)

Bupa Treatment and Care (in or day patient only)

Bupa Fundamentals (limited outpatient option); 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. This means Bupa Global insurance policy will pay for the eligible tests, treatments, and consultations done, even when you weren’t admitted to a hospital.
    • A Bupa private client with cancer will get needed support for each stage of the disease or treatment. They will also have access to NICE-approved cancer treatments and drugs available on the NHS.
    • As experienced insurance intermediary partners, we can attest that coverage for mental health conditions is critical when choosing an insurance provider. Bupa Global is one of the companies offering such. They also have a mental health hub where their clients and the public can find information about mental well-being and health conditions and avail free consultation.
  • There are three different hospital lists available.
  • They work with many specialists and consultants (you can check online if your consultant is Bupa recognised).
  • 24/7 access to a qualified GP is one of the most convenient benefits you’ll enjoy when you have Bupa Global insurance. They have a downloadable app you can use to book a video consultation.
  • In our experience, the claims process is very simple. This year, we have had several 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 pleased 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 aftercare. The comprehensive policy can be adapted to set an outpatient 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 

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

Additional Benefits

 

  • This policy gives you the peace of mind that you will 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 Asics 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 yearBupa’s Treatment & Care policy is suitable for those looking to be treated privately but 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 six months of the discharge date of your treatment.

    Hospital List 

    • Bupa By You Treatment & Care policy has three hospital lists: 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 Asics Sportswear and 10% off hotels.com
    • Mental Health – up to 28 days per person, per year

     

The Bupa Fundamental Health Insurance 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 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: 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 Asics Sportswear and 10% off hotels.com

For business owners who want to ensure their employees stay healthy and have access to quality healthcare without worries, Bupa has two insurance policies available: small business and corporate.

Small Business Health Insurance

This Bupa Global insurance policy is for businesses with less than 250 employees. It comes with the following benefits:

  • Access to 600 hospitals
  • In, day, and out patient coverage
  • Cancer and musculoskeletal condition coverage
  • 24/7 Access to Bupa Anytime Healthline and digital app

Corporate Healthcare

Companies with at least 250 employees can apply for insurance so that their employees can enjoy the small business insurance benefits and the following (plus more), depending on the level of cover:

  • Direct access to specialists without GP consultation
  • Flu vaccination
  • Dental treatment coverage
  • Occupational health support

Other Available Services for Companies

The non-insurance services of Bupa are as follows:

  • Employee health assessment: A daily check and discussion with employees about health for better physical and mental health. It also includes 12-month support services.
  • Employee Assistance Programme (EAP): Employee counselling to provide support and advice regarding issues impacting their overall well-being
  • Cash Plan: An amount of money employees can claim as reimbursements for common health expenses such as medicines and diagnostic tests
  • Flu Vaccination: Although you can include this in your corporate healthcare policy, businesses can also avail of flu vaccination services from Bupa. A nurse can go to the company’s office and administer it. Alternatively, Bupa can issue a voucher that your employees can use to get vaccinated in participating pharmacies in the country.

* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.

Benefits Healthcare Clarity

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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.