Bupa Private Medical Insurance: What's Covered And What's Not

what does bupa private medical insurance cover

Bupa is a private health insurance company that offers policies to individuals, companies and other organisations. Bupa's services include privately run hospitals, outpatient clinics, health assessments, GP services, dental centres, digital health, aged care and other health services. Bupa offers international private health insurance plans, providing direct access to a global network of specialists without the need for a referral. Bupa's plans also provide worldwide medical cover to people working outside their home country. Bupa's international health insurance plans offer a range of premium products and services, giving customers direct access to world-leading specialists and medical providers, both at home and abroad.

Characteristics Values
Cancer treatment Covered
Access to a global network of specialists Direct access without waiting for a referral
Medical expertise Over 50 years
International coverage Available
Dental centres Available
Health assessments Available
GP services Available
Aged care Available
Digital health Available
Outpatient clinics Available
Privately run hospitals Available
Health services Available
Coverage for family members Available

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Cancer treatment

Bupa offers comprehensive cancer cover, which includes the cost of eligible cancer treatments, such as radiotherapy, chemotherapy, surgery, and stem cell transplants. This is available as an add-on to both of Bupa's health insurance policies: Comprehensive and Treatment and Care.

With Bupa full cancer cover, there are no limits on how long your treatment lasts or how much it costs, as long as you have Bupa health cover. If you or your employer has set a maximum benefit limit, Bupa will cover eligible costs until you reach that limit. You must use a hospital or health centre from the Bupa network and a consultant that Bupa recognises and who charges within Bupa rates.

Bupa's cancer cover also includes support from diagnosis to treatment. Bupa Direct Access allows you to call as soon as you have symptoms, and they may be able to book you in with a specialist there and then. Specialist Centres for Breast and Bowel Cancer can provide all initial tests in one visit, meaning you could get the all-clear in a single visit.

If you have cancer cover and choose to receive treatment through the NHS instead of using your Bupa health cover, Bupa will pay a cash benefit into your bank account. For example, if you stay overnight in an NHS hospital for cancer treatment, Bupa will pay £100 for each night. You can also claim £100 for NHS treatment you have in hospital without staying overnight, or that you have at home. You could also receive £100 every three weeks if you need to take oral cancer treatments.

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Dental cover

Bupa offers dental cover for both NHS and private dental services, including check-ups and cosmetic treatments. You can get treatment on a pay-as-you-go basis, on subscription with Bupa Smile Plan, or get dental insurance cover.

The Bupa Smile Plan is a subscription-based plan that covers routine dental care. It spreads the cost of check-ups and hygiene appointments across 12 monthly payments.

Bupa dental insurance provides access to exclusive discounts, easy claiming, and a specialist support line to help with appointment booking. It covers a range of treatments, including worldwide treatment and dental injuries from contact sports.

Bupa has recently introduced a dental allowance to its health insurance, offering one Bupa Dental Care appointment per year and a £300 allowance for dental care for everyone on the policy. This allowance can be used for restorative treatments, such as fillings, crowns, or bridges, and also includes children. It is important to note that this benefit is only available to private customers and not through employer-provided Bupa cover.

Bupa also provides a range of payment options to make private dental care more accessible, including finance options. You can receive treatment without insurance and pay for what you need.

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Family cover

Bupa offers private medical insurance that covers you, your partner, and your family members. With Bupa Family+, you can pay for one child under 20 years old, and every other child will be covered for free, regardless of how many children you add. This offer applies to Comprehensive and Treatment and Care policies.

If you have more than one child under 20 years old, you only need to pay for the eldest child, no matter how many additional children you add. To qualify for this offer, your policy must include at least two children under the age of 20. You will still receive a 10% family discount if you have free child cover. Children do not need to live at the same address as the main member.

Bupa's private health insurance provides access to a range of healthcare services, including remote GPs, mental health support, physios, and more. They also offer dental insurance, with monthly payment plans for routine dental care, and cover for check-ups and hygiene appointments.

Additionally, Bupa members can access various digital health services through the My Bupa App, such as 24/7 online doctors, audio or video appointments with healthcare professionals, and chemist delivery. Bupa also provides cancer cover, offering drugs and treatments that may not be available on the NHS.

It is important to note that pre-existing conditions and chronic conditions, such as diabetes and asthma, are typically not covered by Bupa's private medical insurance.

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International cover

Bupa Global provides international health insurance coverage for individuals and companies all over the world. It has been involved in the international health insurance business since 1971. Bupa Global has a support network that spans the globe, allowing it to provide its clients with assistance no matter their situation.

Bupa Global provides premium international coverage with a range of exceptional products and services, giving its customers direct access to world-leading specialists and medical providers, at home or abroad. It offers comprehensive worldwide medical coverage, including inpatient/outpatient claims and emergency evacuation, with no annual limit and no deductible. Bupa Global also provides access to a team of international doctors by telephone or video call, with multiple language options available.

In some locations, Bupa Global works with local partners to provide international health products and global health plans. For example, Bupa Global works with Raffles Health Insurance Pte Ltd in Singapore and Lifecare International in Qatar. There may be restrictions depending on your country of residence that prevent Bupa Global from offering you a suitable health plan.

Bupa Global also offers international group medical insurance plans for employers with international employees, as well as for organised groups, non-profit agencies, and other groups interested in group options.

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Specialist access

Bupa health insurance offers access to a wide range of specialists. Depending on your policy, you may be able to access specialists without a referral. In these cases, you can call or follow an online triage process to get access to specialists without first seeing a GP. Bupa offers fast access to a GP, with appointments available the same or next day, face-to-face or over the phone.

Many Bupa customers can get Direct Access to specialists. This means they can call about symptoms as soon as they are worried, before they speak to a GP. Bupa also offers digital appointments through the My Bupa App, where you can speak to GPs, nurses, physios, and mental health specialists. These appointments can be booked during the day, in the evenings, on weekends, or on bank holidays.

Bupa health insurance also offers access to a range of digital health services like 24/7 online doctors, chemist delivery, and more. Bupa covers more mental health conditions than any other UK insurer, and cancer cover can offer some cancer drugs and treatments before they're available on the NHS.

Frequently asked questions

Bupa is a private healthcare company that offers medical insurance and health coverage to individuals, companies and organisations.

Bupa offers comprehensive health insurance plans that cover a wide range of services, including but not limited to:

- Consultations and diagnostics

- Endoscopy, MRI and CT services

- Cancer treatment

- Dental care

- Mental health support

- Physio

- Aged care

- Hospital stays

Bupa offers flexible insurance plans that can be tailored to your budget and needs. You can choose from different subscription types to access various healthcare services.

Bupa has expanded internationally and is available in many countries, including the UK, Ireland, Spain, Poland, Chile, Brazil, Turkey, Mexico, India, Hong Kong, Malta, Australia and New Zealand.

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