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Are you thinking about taking out a private health insurance policy with Bupa? The brand name is undoubtedly well-known throughout the UK and the world.
However, you may wonder whether the policies live up to their worldwide reputation? This review will analyze whether Bupa Health Insurance is a good investment for private health coverage.
Bupa is arguably one of Britain’s more well-known private health insurance companies, originally titled the ‘British United Provident Association.’ The insurer started in 1947 when several different organizations
amalgamated to form a private health care entity in the UK.
Today, Bupa boasts an excellent reputation among health insurers, serving over 30 million clients across 190 countries. It’s a global enterprise with a vast network of hospitals and personnel, offering clients a range of private health
insurance policies tailored to their needs.
This review will look at whether the size of the insurance company means it’s also one of the best. We’ll look at the plans on offer and whether they hold up in the competitive insurance market.
Let’s begin with an overview of Bupa’s services.
We compare plans from the leading health insurance providers
Bupa’s size means that it offers a substantial range of health insurance plans, options, and services. However, we’ll look at the insurer’s fundamental policy, the Bupa By You plan, to gauge health insurance’s core features and values.
The Bupa By You plan has two levels of coverage – the comprehensive plan and the ‘treatment and care’ policy.
The former overs cover in line with its namesake – comprehensive cover insurance. The latter is a more affordable option for prospective policies, generally only covering inpatient care.
Let’s look at the core benefits of the Bupa By You plan to get insight into its quality.
Get 24/7 remote GP access
The plan offers a portal to get virtual GP consultations within 2 hours of requesting an appointment. It’s one of the fastest services to get a private medical consultation.
Access to the latest, cutting-edge cancer drugs and therapies
Get comprehensive cover with therapies and breakthrough cancer drugs not available on the NHS. Clients have peace of mind should cancer arise. They’ll have access to the best industry treatments.
Fast-track consultation and treatment
The policy brings a direct connection to advice and treatment for those with mental health, cancer, and musculoskeletal conditions. The fast-track service usually does not require any diagnosis or referral from a GP.
Comprehensive mental health coverage
One of Bupa’s most significant selling points is that it spearheads the drive towards more comprehensive mental health coverage. It covers more mental health conditions than any other UK private health insurer.
Get unlimited support 24-hours-a-day by phone with trained nurses. The AnyTime Healthline offers assistance with the more minor health concerns.
Let’s break down what each level of coverage offers prospective policyholders.
As defined in the title, the comprehensive plan is Bupa’s most high level coverage policy. This level of health insurance includes:
Outpatient diagnostics services
Inpatient and outpatient treatment
NHS cash benefits
Home treatments and nursing
Access to various 24-hour consultation portals
Note that inpatient and outpatient services may have limits placed on them.
Treatment and Care Plan
The treatment and care plan is a more affordable option that offers private medical care once you’ve had a diagnosis from an NHS physician. The policy generally includes:
Private hospital treatments
Mental health conditions coverage
NHS cash benefits
Bupa Anytime Healthline
The plan’s flexibility allows policyholders to choose the extent of coverage to make it more affordable. That means that limits and excesses may apply to inpatient, outpatient, and day-patient treatments and tests.
What can prospective clients expect to pay for Bupa private health insurance policies?
There will be fluctuations in how much the monthly premiums will cost. The main factors taken into consideration are the age of the prospective policyholder and the level of coverage they desire.
A healthy 30-year-old can expect to pay around £30 per month for the treatment and care plan. A comprehensive plan rounds up at approximately £45 per month.
As aforementioned earlier, these premiums can increase or decrease based on coverage options and applied monthly limits or excesses. Compared to other prominent insurers, this private medical insurance isn’t the most expensive but isn’t
the most affordable, either.
So how does the policy rate against others in the market?
Bupa attempts to cover every person’s private health insurance needs by breaking their Bupa By You Plan into two levels of coverage. It opens the customer market to their services no matter their budget or private health care concerns.
The larger market share means more reviews we can analyze from both customers and health insurance experts. We’ll break down what each says about Bupa Health Insurance.
Bupa health insurance has seen some praise for the comprehensiveness and accessibility of respective coverage and service. However, one of the core points taken away from client feedback is the poor customer service and challenging
process to make a claim.
Across multiple review sites, Bupa has a poor reputation amongst customers that have used both the comprehensive and treatment and care plans. Many cite that the expense is not worth the return you get for the investment.
Experts have a somewhat different take when analyzing both levels of coverage on the Bupa By You plan. They praise the comprehensive cover as being one of the most well-rounded offerings in the market. However, the treatment and care
plan sees less heralding as an average policy for value.
So, let’s sum up the highlights of Bupa Health Insurance to facilitate an understanding of whether it’s right for you.
Bupa is one of the most prominent health insurers in the UK and beyond
Their flagship policy offers two levels of coverage – one comprehensive and the other flexible
Key selling points include fast access to consultations and treatments and increased mental health coverage
The comprehensive cover offers a complete spectrum of inpatient, outpatient, and day-patient cover
The treatment and care policy keeps premiums affordable by providing more limited coverage
Respective costs per month for the plans are around £30 and £45
Bupa Health Insurance is generally poorly received by customers, but experts praise the extensiveness of coverage
Contact your insurer if you wish to learn more or take out a policy with Bupa.