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Bupa was founded in April 1947 with the objective of providing health funding to the UK's general public. Originally named the 'British United Provident Association,' today it is a private company limited by guarantee without shareholders. The profit it earns is reinvested in the company itself to provide support to employees.
Along with being an international health insurance provider and one of the leading healthcare specialists in the UK, Bupa currently provides services to more than 31 million global customers through 85,000 employees. It is headquartered in London.
The following in-depth Bupa health insurance review will help you decide whether it is a good option for you or not.
Here are some key facts about Bupa health insurance to consider:
Up until the date of this review, Bupa has collected over 11,300 reviews on Trustpilot. It has received 4.4 stars out of 5 and has been rated as 'Excellent.' A few customers have had an unsatisfactory experience. However, 82% have voted the company as 'Excellent' and 'Great,' indicating the high-quality services Bupa provides.
Most customers who have given 5-star ratings mention the reasons as being ease of use, friendliness, efficiency, and the speed claims are dealt with.
The customer's lifestyle variables determine the price of Bupa health insurance. This would include age, claim history, health status, and history of illnesses. Another influencer is whether the customer smokes or not.
It is well known that health insurance is costlier for the older generation. The cost of health insurance is dependent on the cover itself, along with the excess levels set by the customer's side.
The following table contains all prices of the two types of insurance covers for a non-smoking male living in Dorset:
|Insurance Cover||Insurance Cost/ per month|
|Treatment and Care||£36.76|
This health insurance cover is called Bupa By You. It is a 12-month private policy designed for anyone wanting to cover the cost of healthcare in the UK.
The Bupa By You package is further expanded into covers:
|Diagnosis Variables||Comprehensive||Treatment and Care|
|Consultations as an outpatient before treatment||Yes||No|
|Diagnostic test as an outpatient before treatment||Yes||No|
|CT, PET, and MRI scans before treatment||Yes||Yes|
|During Treatment Variables||Comprehensive||Treatment and Care|
|Cover for Mental Well-Being||Yes||Yes|
|Therapies for Outpatients||Yes||Yes|
|Diagnostic testing after treatment||Yes||Yes|
|Outpatient consultations after treatment||Yes||Yes|
|Scans After Therapy||Yes||Yes|
|Cancer Cover Variables||Comprehensive||Treatment and Care|
|No Cancer Cover, Full Cover, or NHS Cancer Cover Plus||Yes||Yes|
|Extra Variables||Comprehensive||Treatment and care|
|Bupa Anytime HealthLine||Yes||Yes|
|Private Road Ambulance||Yes||Yes|
|Cash benefit for treatment under the NHS||Yes||Yes|
|Cancer cash benefit for treatment under the NHS||Yes||Yes|
|Bupa- Recognised Hospital Accessibility Variables||Comprehensive||Treatment and Care|
|Essential Access Network, Extended Choice Network, and Extended choice with Central London Network||Yes||Yes|
Bupa’s comprehensive plan is its top-most rank, which in short provides private treatment along with diagnosis in the following areas:
The excess options available are £0, £100, £150, £200, £250 or £500.
The following table depicts the options available to 30-year-old, non-smoking individuals in the UK. Within the comprehensive health insurance plan, an excess of £500 is applied.
|Outpatient Limitation||Cancer Cover||Hospital Access Network||Premium|
|£500||NHS plus||Essential Access||£33.16|
|£1000||NHS plus||Essential Access||£38.32|
|£500||NHS plus||Extended choice||£42.38|
|£1000||NHS plus||Extended choice||£48.98|
Bupa's treatment and Care health insurance plan is for those who have received their diagnosis via the NHS and want to continue with their treatment as a private patient. This plan covers treatment by a consultant and post-treatment care. The payment for diagnosis is excluded. The following options are included in the subject plan:
£0, £100, £150, £200, £250 or £500 are the excess options available in the Treatment and Care health insurance cover. The following table depicts the cover options available to a 30-year-old non-smoking individual residing in the UK. With the Treatment and Care plan, an excess of £500 is applied.
|Cancer Cover||Hospital Access Network||Premium|
|NHS plus||Essential Access||£25.32|
|NHS plus||Extended choice||£32.37|
With outpatient cover, the treatment or appointment at a hospital does not require an overnight stay or a bed for the patient. These appointments may include short-term consultations, diagnostic testing, therapies, physiotherapy etc. After the yearly outpatient limitation has been crossed, you would be required to fund the tests or consultations personally.
For the Comprehensive plan, outpatient consultations and therapies include limitations of £500, £750, £1000, or unlimited.
For the Treatment and Care Plan, the outpatient consultations and therapies are paid in full.
In the cancer cover by Bupa, all cancer treatments are included, starting from the diagnosis of the disease to treatment ranging from surgery, radiotherapy, chemotherapy, and transplants, including stem cells and bone marrow.
When you buy a Bupa By You Health Insurance policy, you may select between the following cancer cover options:
If you add cancer care to your insurance, Bupa does not place any financial or time limitations on treatment. In addition to cancer treatment, Bupa's cancer care includes:
There are three hospital access networks:
Because every hospital in the network is Bupa-approved, you can be assured that any qualifying treatment you get will be completely covered when you visit one of their hospitals.
It's crucial to pick your network wisely because if you travel to a Bupa-approved hospital outside of the selected network, you'll be responsible for a portion of the treatment expenses.
If you seek treatment at a hospital within your preferred network, the hospital costs will be paid in full as long as you are seen by a Bupa-approved consultant whose fee the policy agrees to pay in full.
Bupa offers certain additional benefits. They are as follows:
Yes, Bupa has listed various exceptions in its healthcare insurance policy. These include pre-existing medical conditions, natural ageing, menopause, pregnancy, childbirth, allergies, dialysis, audio and visual issues, dental issues, accidents, rehabilitation, chronic conditions, and more.
With Bupa, you can add an excess to your health insurance policy. This equals the total amount of money paid in advance for private medical treatment. This can also help reduce the cost of your monthly premium.
Excesses offered by Bupa are:
Certain variables are excluded from the Bupa health insurance cover. The following list of exemptions are made in the Comprehensive cover and Treatment and Care cover of Bupa By You:
As mentioned in point 20 above, any pre-existing conditions are excluded from the Bupa health insurance cover. You will be required to fill a health declaration form stating your medical history.
Pre-existing conditions are not included because the policy pays for health conditions that arise after the cover has begun.
Bupa health insurance has a calendar year reset, which means your health fund will reset on the 1st of January every year.
Yes, you can switch to Bupa’s health insurance cover from another health insurance provider. But any pre-existing conditions may be excluded.
To switch, first, select the health insurance cover you want and then connect with Bupa’s customer service online or through a call. They will handle the switching process from this point onwards.
There are many changes you may make to the Bupa policy to lower the insurance quote and receive lower health insurance rates, such as opting for excess, family health insurance plan, etc.
The most significant change to make is to choose ‘basic' health insurance from the start. This will only cover inpatient treatment, not any outpatient therapy, such as diagnostic testing, that may be required before your admission to the hospital.
The exact method will be determined by the degree of coverage and type of treatment necessary. Still, the amount of outpatient coverage you choose to include in the health insurance policy will greatly influence the price.
Opting for a Bupa health insurance plan without outpatient cover variables saves money. However, this would lead to being on the NHS waiting list for diagnosis and consultations.
The Bupa health insurance certificate you receive will also state the no claims discount applicable to your cover. A maximum of 70% discount can be received if you are on Discount level 14.
Members of Bupa can discontinue their membership by filling out an online cancellation form. If you're transferring health plans, they'll also send your clearance certificate to your new provider. You may also cancel your Bupa membership over the phone. Below are the steps you should follow:
Or you can just cancel the Direct debit and that will lapse the policy.
You should write to them for cancellation within 21 days of receiving the annual policy year documents. If no claims are made within this timeframe, Bupa will refund all the subscriptions.
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