Best Private Health Insurance Uk - Quick View > insurance > Bupa health insurance review - The best health insurance provider in the UK?
Bupa was founded in 1947 and is the result of a group of seventeen British providers working together to provide specialist care for the whole of the UK. Initially offering private healthcare to individuals and businesses, Bupa expanded to include independent Bupa hospitals, which were sold to Spire Healthcare in 2008.
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Bupa is a well-known and respected name in the health insurance industry and continues to serve more than 38 million customers around the world. In this article we look at Bupa health insurance, explaining the benefits, the cost, whether it's affordable and where it's best to buy it.
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Health insurance is a special insurance product that provides you with cover to pay for certain medical needs if required by the policy holder. For those who want to skip the NHS list and access private health care, health insurance can cover the monthly cost.
Health insurance is a very complicated product due to the increasing number of insurance companies that have entered the market. The competition has helped to reduce costs and stay ahead, insurers have to develop new features and other benefits, resulting in a comprehensive product. As policies become more complex, it becomes more difficult to compare products online, so in this article we will explain the best way to shop for health insurance to ensure you get the right policy good at a good price.
Bupa offers individual health insurance, joint health insurance, family health insurance and business health insurance. Couples get a 5% discount and there is a 10% discount on family cover. For this article, we will focus on personal health insurance. For family health insurance, see our article 'Which is the best health insurance policy for my child?'
Bupa's personal health insurance policy provides cover for a variety of health needs and
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Treatment and Care cover for those who are happy to be seen by the NHS but prefer to seek private treatment. With a treatment and care policy, the NHS will manage your check-up and appointment but the policy will only start if treatment is required.
Bupa's Comprehensive policy is progressive in its provision of screening and diagnostic tests, outpatient consultations as well as post-treatment tests, examinations and consultations. Medical and care plans are cheaper than Comprehensive plans. The table below shows what each Bupa health insurance plan covers.
£50 per night paid for inpatient treatment if you are discharged under the NHS (up to 35 nights)
Cost of inpatient stays under the NHS and various treatments provided under the NHS
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When choosing health insurance you will want to know where Bupa health insurance is available and the many great benefits that a Bupa health insurance policy covers including:
Bupa covers a range of additional benefits that are added to your health insurance policy whether you choose the 'Treatment and Care' option or the 'General' option. These additional benefits include:
Like most health insurance plans, Bupa health insurance policies have flexible features that allow you to tailor your cover to your needs and the price you want to pay. These include your deductible, the hospital you can access, the level of cancer cover and your out-patient payment limit. We explain each of these options and how they work with Bupa health insurance policies below.
Most health insurance providers provide higher premiums than what the policy holder pays in case of a claim. The excess you choose is the amount to cover your medical costs before Bupa pays the balance. Bupa health insurance offers an annual supplement to your policy. This means you have to pay the excess once a year even if you make multiple claims in the same year. However, if your claim is more than one year old, you will have to pay more than the annual claim.
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Bupa health insurance offers you a choice of premiums to choose from depending on what you want to pay for your primary health needs. The higher the excess you choose, the lower your monthly health insurance premium will be, helping you choose the best value for money.
Options above £1,000 and £2,000 must be ordered by phone as these are not available online.
Although cancer is covered by 'Treatment and Care' and 'Comprehensive' health insurance deals with Bupa, you can choose from other NHS cancer options.
If you choose this option, it will be automatically included if you register online, and you will receive the following:
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If you choose this option, you will need to be treated by the NHS if you have cancer. So, if possible, you can get specialist treatment through Bupa if the radiotherapy, chemotherapy, chemotherapy or surgery you need to treat your cancer is not available on the NHS. It is important to note that NHS treatment waiting lists do not encourage Bupa to offer special treatment in this area.
Although it is more expensive to choose full cancer cover, we chose this option in our cost analysis because there are small savings by choosing NHS Cancer cover as well. Bupa list of health insurance hospitals
The list of hospitals indicates where you can have treatment, tests, examinations and information covered under your health insurance plan. Bupa health insurance policies offer three tiered options offering different levels of hospital coverage across the UK. Although it is difficult to predict which hospital you will need in the future, here are some hospitals that you should consider if necessary. It may be wise to make sure that the hospital in your area is on the list of your choice.
The list of 'Essential Access' hospitals is the smallest; Admission to a 'distant choice' hospital is more expensive and a 'distant choice and hospital in Central London' will cost you the most.
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Outpatient cover, available only on Bupa's general health insurance policy, is designed to cover time in hospital or clinics that does not require a bed, and stay for the night. It can be used for consultations, minor tests such as X-rays, blood tests, ultrasounds and treatments. Once you've reached your out-patient limit, special tests, consultations and treatments may cost more than if you hadn't opted for out-patient coverage. it's there.
The amount of sick leave benefit will affect your monthly payment and is available in the following four options:
This depends on many factors and includes (but is not limited to) your health, age, smoking status, where you live and the type of cover you are looking for. A healthy 30-year-old pays between £25 and £35 for basic health insurance, with the option to add other options which we explain below.
The table below compares the cost of Bupa's 'Treatment and Care' cover, as well as the cost of choosing comprehensive cancer cover. We adjusted the surcharge and the list of selected hospitals to show the impact on prices. However, keep in mind that the difference may be greater for older applicants.
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As you can see from the table above, there are many options to choose from, so do your research before you buy. It may be a cheaper option than the NHS cancer cover option but it is not available online so you will need to check with Bupa. We've done this and found that choosing NHS Cancer cover and paying will only reduce your monthly cover by £1 but this may change for others. Better yet, talk to a private health insurance specialist* , as they have access to quotes from only one insurance company, so it's best to find you the perfect cover at lowest price.
Bupa's Comprehensive cover has an additional benefit that covers outpatient costs so we looked at the impact of choosing different levels of outpatient cover and acute and hospital admission in this price analysis. Also, we have retained full cancer cover because it is cheaper to choose NHS cancer cover as well.
As you can see from the chart above, there are so many options to choose from that it can be difficult to know which cover is right for you. We will explain how private health insurance works in the next section
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