Key policy features
- Bupa owns a large number of private hospitals and clinics
- It offers two levels of cover
- Bupa provides quick access to consultants and treatment
BUPA is the UK largest health insurance company and has a large network of private hospitals and clinics, and medical services such as diagnostics and treatments.
It aims to cover you from diagnosis to treatment and can include home nursing, private ambulances and even post-diagnostic therapies (such as physiotherapy).
Find out if Bupa is included in our guide to the best health insurance providers.
You can compare health insurance policy features and prices, including Bupa, at the price comparison site Activequote.com.
Overview of Bupa health insurance cover
Bupa By You is the company’s health insurance product and it offers two main policy levels.
‘Comprehensive’ cover, as the name suggests, is their policy that has greater cover.
It includes cover that pays for the investigations, scans and consultations that are needed to investigate a problem you might have, and reach a diagnosis (for example blood tests, CT, MRI and PET scans).
The cover then extends to include any treatment you might need as a result of the diagnosis – from out-patient treatments like physiotherapy through to in-patient surgery (note that Bupa sell separate dental insurance policies).
‘Treatment and care’ cover is Bupa’s more affordable policy. However, as with all insurance, when you pay less, you are likely to get less cover.
In this case, BUPA have removed any cover for the investigations to reach a diagnosis, but kept covers for the treatment that you might need after the diagnosis. In practice, this would mean that you would need to rely on the NHS (or pay your own private fees) until a firm diagnosis were reached, after which the health cover can kick in.
You can compare health insurance policy features and prices, including Bupa, in depth at Activequote.com.
How much does Bupa health insurance cost?
As with most health insurance policies, the cost of Bupa cover is dependent on many lifestyle factors, such as your age, state of your health, your claim history and any pre-existing conditions you may have. Factors such as whether you smoke can also impact on insurance costs.
You can get a quote using Activequote.com.
What do Bupa themselves say?
Bupa themselves choose to emphasise several benefits that come with either of their Bupa By You Health Insurance policies:
- Rapid access to consultants and treatment
- Choice of hospitals
- Full cancer cover
- Access to evidence-based breakthrough cancer drugs and treatments
- 24-hour helpline
- Discounts with a number of leisure, travel, health and wellbeing companies
What do Bupa customers say?
Money.co.uk rates Bupa health insurance highly at 4/5 from 104 reviews. However, Reviewcentre.com gives an overall rating is only 1.4/5 from 114 reviews. These customer reviews show no clear pattern with good and bad comments on the levels of service, value-for-money and willingness to pay claims.
What do the experts say?
Bupa has been awarded 3 out of 5 Stars by independent financial reviewer Defaqto for both its Bupa By You Comprehensive cover and Treatment and Care policies.
Get a quote for a Bupa policy and compare it with other health insurance providers by using Activequote.com.