In 1947, seventeen British provident associations joined together to form Bupa. Originally known as the British United Provident Association, Bupa’s aim was to provide healthcare for the general public.
Today it is the UK’s largest provider of Private Medical Insurance by number of policyholders.
Bupa is a private company limited by guarantee. With no shareholders, it therefore reinvests its profits back into the company to further support its members.
Bupa Private Health Insurance has more than 7,000 reviews on independent reviews website Trustpilot, rating it as excellent with 4.4 stars out of 5.
Bupa launched its Fundamental Private Medical Insurance policy in 2015 as an entry-level plan. It offers lower cost access to Health Insurance.
Bupa’s core private medical insurance product is called Bupa By You, you can read our review here.
Bupa Fundamental pays mostly for private inpatient care only. As Bupa’s Low Cost Health Insurance plan, it pays for very little in the way of outpatient treatment. You therefore use the NHS for outpatient diagnostic tests and scans etc.
Inpatient and day-patient treatment involves all medical care requiring a hospital bed. This might be overnight (inpatient) or just for the day (day-patient). This most commonly, but not exclusively, involves surgical procedures.
Bupa Fundamental Health Insurance Coverage
Specialist / consultant fees
Tests / scans
All medical care not requiring a hospital bed. Bupa Fundamental Health Insurance limits the outpatient treatment it will pay for to keep your monthly premiums down on this entry-level plan.
A Fundamental plan therefore offers the following outpatient care:
In addition to the core outpatient cover our clients get peace of mind from knowing that they can access GP appointments 24/7 with Digital GP, which now includes Covid-19 Care Assistant to help recognise Covid-19 symptoms.
Health and Wellbeing Expert
Cancer cover is one of the most valuable elements of any Private Medical Insurance policy. It pays for diagnosis and treatment of cancer, including offering access to drugs, treatments, therapies and procedures the NHS may not yet offer due to their cost.
When you take out a Bupa Fundamental Health Insurance policy, you have three cancer cover options to choose from:
If you add cancer care to your policy, Bupa doesn’t impose any financial or time limits on treatment. It pays for all inpatient and outpatient chemotherapy and radiotherapy in full.
As well treating cancer, Bupa’s cancer care offers:
Your hospital list impacts which facilities you get private healthcare in and also how much your premiums will be. Some hospitals are more expensive than others, so opting for access to a wider array of private facilities increases premiums.
Bupa has three tiers of hospital lists:
When you apply for Health Insurance as an individual, you choose how you want your insurer to underwrite you.
Bupa has two medical underwriting options:
These are two very different options which can impact the way your insurer decides on exclusions for any pre-existing conditions you may have. The best underwriting for you depends on your circumstances.
Bupa includes these as standard with Health Insurance:
Bupa’s Health Insurance exclusions are fairly standard to those across other providers. For example, they include:
Bupa offers the option to add an excess to your policy, which is a sum of money you agree to pay upfront towards your private medical care. The higher your excess, the lower your monthly premiums.
However, you don’t have to add an excess if you don’t want to. Bupa offers a choice of excesses:
The £1,000 and £2,000 excesses are only available at policy renewal.
With Bupa, you pay your excess once per policy year. That means you can claim for multiple eligible conditions in a single policy year and only pay your excess once.
Bupa has a fourteen level no claims discount system. This can offer up to 70% off premiums if you’ve made no Health Insurance claims.
Unlike other providers, Bupa does not offer the 6 week NHS wait option, which can be a way of keeping costs down by only paying for private inpatient treatment if the NHS wait for that treatment exceeds 6 weeks.
Bupa has one of the UK’s largest networks of private hospitals and clinics.
Bupa is a big name in private healthcare in its own right. This means it has access to its own range of facilities that you can choose to self-fund treatment in rather than having Health Insurance.
Bupa’s NHS Cancer Plus option offers you a way to keep premiums down while still getting access to the breakthrough cancer drugs that the NHS does not offer if necessary.
This option means the NHS will manage all of your cancer care. However, if there’s a drug, treatment or procedure the NHS does not offer due to cost, Bupa will still step in to pay for this treatment.
With a Bupa By You Health Insurance policy, you have the option to add additional coverage to your policy for an extra premium. This includes a cash benefit towards dental and optical care.
However, a Bupa Fundamental policy is Bupa’s entry-level plan. As such, Bupa does not provide these additional extras on a Fundamental plan. You can take out separate dental insurance with Bupa or, alternatively, consider choosing a Bupa By You policy and adding these elements.
We have years of experience finding our clients the best Health Insurance policy for their needs. We’re independent, so we search every UK insurer for the right fit for you.
We started Drewberry™ because we were tired of being treated like a number.
We all deserve a first class service when it comes to issues as important as protecting our health. Below are just a few reasons why it makes sense to talk to us.
If you have existing cover with Bupa or are looking to set-up a new policy give us a call on 02074425880 or email email@example.com.
Really good service: prompt, efficient and helpful. Would definitely use Drewberry again.