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BUPA Health Insurance

Bupa are one of the UK’s most established health insurance providers. Bupa stands as a pillar of health insurance expertise in the UK, with a storied history of providing top-tier coverage. However, their commitment extends far beyond insurance products alone — Bupa is fervently dedicated to fostering enhanced well-being, promoting longevity, and boosting life satisfaction for individuals. To cater to the diverse requirements of its clientele, Bupa provides a trio of policy options, each designed to align with varying customer needs:

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 health insurance brokers like Switch Health

Some of BUPA older products include

 

BUPACARE

BUPA ESSENTIALCARE

BUPA LOCAL HOSPITALCARE

BUPA LOCALCARE

BUPA CLIENT CHOICE ESSENTIAL

BUPA CLIENTCHOICE

BUPA CLIENTCHOICE PLUS

BUPA HEARTBEAT

BUPA EMPLOYEECHOICE

BUPA EMPLOYEECHOICE ESSENTIAL

BUPA INTERNATIONAL

Top 10 Bupa Health Insurance Benefits

 

Why Review Your BUPA Policy?

If you’ve held your BUPA plan for over two years, it’s worthwhile to consider a complimentary review!

Bupa’s policies are free from age-related restrictions, allowing individuals to join at any age, which sets them apart from some other providers. Additionally, Bupa upgrades members under 17 to their highest tier hospital list at no extra cost.

Premiums at Bupa are subject to an increase for individuals who have consumed nicotine products in the past two years.

If your coverage does not include full outpatient services, you will have a set limit for consultations and minor diagnostic procedures—which can range from £500 to £1,000. This cap covers expenses for services like blood tests, X-rays, and ultrasounds. Since the costs for diagnostic tests can vary and potentially be significant, obtaining comprehensive coverage for these services is generally recommended.

 

Product: Bupa Fundamental

Plan overview

Private Health Insurance
Insurance Product Information Document

Company: Bupa Insurance Limited

 

In-patient and day-patient treatment

Hospital treatment – paid in full
Diagnostic tests – paid in full
Scans (MRI, CT, PET) – paid in full
Radiotherapy and chemotherapy – paid in full

Out-patient treatment

Scans (MRI, CT, PET) and diagnostic tests – paid in full
Consultations – paid in full
• only when they follow on from, and are related to, private
day-patient treatment or in-patient treatment and they take place within six months of the discharge date of that treatment
• up to two consultations within the six month period
Therapies – up to £350 per person, per year
• only when they follow on from, and are related to, private
day-patient treatment or in-patient treatment and they take place within six months of the discharge date of that they take place within six months of the discharge date of that treatment
Radiotherapy and chemotherapy – paid in full

When out-patient consultations or therapies are for eligible cancer treatment, benefit and time limits don’t apply

Other benefits

  • Anytime HealthLine – 24/7, unlimited telephone consultations with our team of nurses and GPs
  • Family Mental HealthLine – 8am to 6pm Monday to Friday, telephone information and advice from a trained adviser and mental health nurse about your child’s emotional wellbeing
  • Parent accommodation – child aged 17 or under, one parent
    per night
  • Private ambulance – £60 per journey
  • NHS Cash Benefit for NHS hospital in-patient treatment – £50 per night, up to 35 nights per year
  • NHS Cash Benefit for treatment for cancer
    • £100 each night for NHS in-patient treatment, or
    • £100 for NHS out-patient, NHS day-patient or NHS home treatment for cancer or
  • 100 for each three-weekly interval, or part thereof, during which you take oral chemotherapy, or oral anti-hormone therapy that is not available from a GP

 

BUPA Cancer cover options available

• Full cancer cover
• NHS Cancer Cover Plus (covered if chemotherapy, radiotherapy, drug therapy or surgical operation for cancer treatment is not available on the NHS)
• No cancer cover

Other options
• A number of excess options are available. You can choose to pay a policy excess, where you pay up to the first £100, £150, £200,£250 or £500 of your eligible treatment costs in any policy year. Details of the excess option that you have chosen are shown on your membership certificate. The membership guide provides full details of how it works
• Hospital Lists
– Essential Access; Extended Choice; Extended Choice with Central London

 

 

Product: Bupa By You Comprehensive Policy

Plan overview

Private Health Insurance
Insurance Product Information Document

Company: Bupa Insurance Limited

 

In-patient and day-patient treatment

Hospital treatment – paid in full
Mental Health treatment – up to 28 days per person, per year
Diagnostic tests – paid in full
Scans (MRI, CT, PET) – paid in full

Out-patient treatment

Consultations, diagnostic tests, therapies and mental health treatment – paid up to out-patient limit
Scans (MRI, CT, PET) – paid in full

Out-patient limits available (combined limit per person, per year)

• No limit
• £1,000
• £750
• £500

Other benefits:

Anytime HealthLine – 24/7, unlimited telephone consultations with our team of nurses and GPs
Parent accommodation – one parent only, up to 16 years old
Private ambulance – £60 per journey
NHS Cash Benefit for NHS hospital in-patient treatment – £50 per night up to 35 nights per year
NHS Cash Benefit for treatment for cancer – £100 per day or night, except for oral chemotherapy where it is paid for each three-weekly interval, or part thereof

Cancer cover options available

• Full cancer cover
• NHS Cancer Cover Plus (covered if chemotherapy, radiotherapy or surgical operation for cancer treatment is not available on the NHS)
• No cancer cover

Other options

• Hospital Lists:
– Essential Access; Extended Choice; Extended Choice with Central London
• A number of Excess options are available
• Underwriting options available:
– Full medical underwriting: you declare your medical history at point of sale
– Moratorium underwriting: we will not ask for your medical history until you submit a claim

 

                                                                                         

 

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