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bupa

Bupa Health Insurance

Bupa By You Health Insurance

Founded

1947

Company Type

Company limited by guarantee

Company Overview

Bupa was founded in the UK in 1947 when 17 separate provident associations joined together. With 38,000 members initially, the British United Provident Association as it was then known was dedicated to prevent, relieving and curing sickness and ill health of every kind.

Bupa offered the first major Company Health Insurance scheme in 1950 and, by 1955, had more than 200,000 members.

Bupa began to expand abroad in the 1970s, first into Malta and then Hong Kong. It also diversified in the UK, moving to offering care homes in the 1980s and significantly growing that business throughout the 1990s and the subsequent decades.

Today, the company has personal Health Insurance customers in markets around the world and it’s the largest provider of PMI in the UK. Bupa employs more than 86,000 people, principally the UK, Australia, Spain, Poland, Hong Kong, Chile, Brazil, Saudi Arabia, India, New Zealand, Thailand and the US.

Documentation

Bupa Health Insurance key facts
Bupa Health Insurance policy terms
Bupa Health Insurance - Hospital list

Bupa By You Health Insurance Overview

Bupa is one of the top UK Medical Insurance providers in terms of brand recognition. Its full PMI offering is comprehensive plan covering a wide range of treatments, while Bupa Fundamental, an entry-level product offering lower-cost PMI, is available only through intermediaries like Drewberry.

  • Bupa Anytime HealthLine
    An expert 24/7 phone information line staffed by healthcare professionals.
  • Bupa Fundamental
    An entry-level PMI product offering lower-cost cover that’s only available through intermediaries
  • Mental health cover
    Mental health conditions are covered both on Bupa’s Comprehensive plan and its mid-range Treatment and Care option
  • Bupa Fitness Check
    An annual health checkup offered to most members at a Bupa Health Centre, including a cardio-respiratory report and a range of other tests
  • Cancer Cover
    Offers the potential for you to have genetic testing to match chemotherapy drugs (even ones approved by NICE but not yet available on the NHS) to you and your cancer
  • Treatment at Home
    At Bupa’s discretion and subject to your consultant’s medical approval, Bupa will pay for certain eligible treatments, such as chemotherapy, to be carried out in your home.

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Health Insurance policy.

Simply fill in the form below to apply your two months free discount or call us on 02084327333 and state the code VC2MF.

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Bupa By You Policy Conditions

Bupa’s Comprehensive plan covers all eligible inpatient and outpatient treatment, while its Treatment and Care plan covers largely inpatient treatment only.

Inpatient and Day Patient Cover
 
Comprehensive
Treatment & Care

Cancer Care

Cancer Cover
Diagnosis and treatment paid in full*
NHS Cancer Cover Plus
Diagnosis paid in full*, but treatment on the NHS unless the treatment you need is only available privately.

Cancer Cover
Treatment paid in full*
NHS Cancer Cover Plus
Treatment on the NHS unless the cancer treatment you need is only available privately.

Diagnostic Tests/Scans

Paid in full*

Limited
Paid in full*, but not for diagnostic purposes and only if needed during inpatient/day patient treatment or as a followup within six months of an eligible inpatient treatment

Hospital Charges

Paid in full*

Specialist/Consultant Fees

Paid in full*

Mental Health Cover

Yes
Up to 28 days per year of inpatient and day patient treatment combined* (unless the condition becomes chronic)

*providing the treatment is an eligible Bupa facility and undertaken by an approved Bupa consultant
Outpatient Cover
 
Comprehensive
Treatment & Care

Diagnostic Tests/Scans

Paid in full

Optional
You can opt for an add-on to your Treatment and Care plan to be covered for outpatient diagnostic tests/scans

Post-treatment outpatient followups

Paid in full

Paid in full within six months of treatment

Therapies cover

Paid in full

Mental Health Cover

Paid in full
Outpatient treatment from a mental health therapist, consultant or mental health and wellbeing therapist (unless your condition becomes chronic)

.
Key Policy Options
 Comprehensive and Treatment & Care Plans

Excess

Optional
£0-£500

No claims discount

Yes
Up to 70%

Protected no claims discount

No

6 week NHS wait

No

NHS Cash Benefit

Yes
£50 per night (£100 for cancer-related treatment)
Up to 35 nights per year when using the NHS for treatment you were eligible to claim for

Underwriting

Either full medical underwriting or moratorium

Hospital Choice

Essential Access
Treatment in selected private facilities outside of central London
Extended Choice
A wider range of facilities, including a selection in central London
Extended Choice with Central London
As extended choice, but with a far wider selection of central London facilities

Outpatient Limit

Optional
£500 / £750 / £1,000 / Unlimited

Optional Extras and Additional Benefits

Dental Cashback

Optional
Cashback for treatment from your dentist and optician
Dental 20
Pays for a set proportion of private dental treatment, up to a maximum annual limit
Dental 10
Pays for your NHS dental treatment or, if you opt for private treatment, pays the cost of that treatment in the appropriate dental treatment band on the NHS.

Optical Cashback

Optional
Cashback for prescription glasses, contact lenses and routine sight tests

Prescription Cashback

Optional
Cashback for prescriptions from your GP or dentist

Cancer Treatment

Standard
Palliative care if necessary for those with Cancer Cover (those with NHS Cancer Cover Plus will only receive palliative care if they’re receiving treatment from Bupa at the time of the terminal diagnosis)

Genetic testing to match chemotherapy to you and your cancer

Access to counselling

The option to be treated at home where medically advised

For breast and bowel cancer symptoms, the option to bypass your GP and go straight to Bupa, where you have diagnostic cover and your symptoms are covered by the policy

Covers cost towards wigs

Private Ambulance

Standard
If you need a private ambulance to transfer you to another medical facility while receiving treatment, or to your home, Bupa will pay

Children’s Cover

Standard
Hospital accommodation paid in full for one parent when a child under 16 is receiving eligible inpatient treatment

Drewberry Reviews Bupa By You Medical Insurance…

PMI from Bupa offers two main tiers of cover and a number of options within those tiers, making Bupa’s Medical Insurance offering a flexible, dynamic product.

Key Comparison Points

  • As well as providing care through Medical Insurance, Bupa also offers a self-pay option, where you can fund all of your treatment in a Bupa hospital yourself. Few other providers offer this as an option as they don’t have the large network of private hospitals and clinics Bupa has across the UK.
  • As it is a big name in the UK private healthcare market in its own right, Bupa therefore has a large number of approved facilities for its patients to use. This may mean you’re more likely to find a hospital local to you than with other providers with smaller networks.
  • To keep costs down, Bupa’s Health Insurance customers can opt to limit the number of Bupa-approved hospitals they have access to, ruling out the most expensive ones to get cheaper PMI premiums.
  • The biggest worry many people have about cancer treatment on the NHS is that breakthrough drugs that could help them might not be funded. Bupa’s Private Health Insurance addresses this with the offer of NHS Cancer Cover Plus as an option, which can help keep premiums down as you’ll receive available cancer treatment on the NHS but the Health Insurance will kick in if a treatment that could benefit you is not available on the NHS due to cost.
  • Unlike some other providers, PMI from Bupa does not offer a six week NHS wait option. For the providers that do offer it, it can be a way of keeping costs down because the Health Insurance only kicks in if the procedure you need has a waiting list longer than six weeks on the NHS.
  • Bupa’s Health Insurance offers the chance to have chemotherapy, which would normally be a day patient treatment, in the comfort of your home if medically advisable.
  • Bupa offers a 2.5% discount for paying your Private Medical Insurance premiums annually. While some providers offer no such discount, there are others on the market, such as AXA PPP, that offer a larger discount.

Policy Exclusions

Bupa’s Medical Insurance exclusions are generally the standard across the industry, such as:

  • Treatment required following suicide attempts or self-inflicted injury
  • Emergency care
  • GP appointments (Bupa offers access to private GPs, but these are not funded buy its PMI)
  • Cosmetic treatment for aesthetic reasons (with the exception of certain procedures for younger children)
  • ‘Normal’ pregnancy and childbirth
  • The long-term management of chronic conditions.

Financial Strength

Bupa is a major player in the private healthcare market in the UK, both in terms of PMI and offering healthcare in facilities operating under the Bupa brand. Owning and operating facilities, as well as its partnership with many others, makes Bupa particularly integrated in today’s healthcare market.

Bupa celebrates its 70th birthday in 2017 and has millions of customers worldwide, particularly in Australia and New Zealand, Latin America, parts of Europe and China. It is a diversified company, offering not just PMI but also private healthcare and private care homes. It also offers travel insurance (although not as part of its PMI offering) and a standalone private dental insurance plan.

Bupa By You Health Insurance: Questions and Answers

We aim to know the policies we advise on, inside out and back to front. Below is a couple of commonly asked questions with regards to the policy coverage of Bupa’s Medical Insurance. If you need any further help please do not hesitate to call us on 02084327333.

Q. Will Bupa Health Insurance cover me for holidays and overseas trips?

A. No, Bupa’s PMI offering does not extend to offering cover for medical treatment that becomes necessary while abroad. If you’re travelling abroad, Drewberry strongly recommends that you take out a separate and comprehensive travel insurance policy, which will cover you for any medical issues that arise while you’re overseas. You’ll also be covered for lost baggage and other travel-related mishaps.


Q. Does Bupa PMI cover me for private GP appointments?

A. No, although Bupa does have a separate service offering private GP appointments. However, these are not covered by its Medical Insurance and require you to pay upfront.

Bupa does have a 24/7 helpline staffed by medical professionals, however, which may come in useful if you have any medical concerns. Known as the Bupa Anytime HealthLine, it’s staffed by qualified nurses. If your question or symptoms go beyond their expertise, the helpline guarantees you’ll be called back by a GP within the hour.

Need Expert Health Insurance Advice?

As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2149 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
nadeem farid, head of employee benefits at drewberry

If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.

Pop us a call on 02084327333 or email help@drewberry.co.uk.

Nadeem Farid
Head of Employee Benefits at Drewberry

Oliver did a great job setting me up with Income Protection. I would highly recommend using his service and will use again.

Jason Cooper
01/12/2018
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