Compare health insurance | Private medical insurance comparison (2024)

Hello, my name's Ed Reed. I've been at Bupa for 16 years.

Come and ask me about health insurance, what you're covered for,

and any other questions you might have.

Comprehensive cover is our highest level of cover.

One of the main differences is the outpatient limit. It's got full outpatients,

which means things like consultations, diagnostic tests,

your x-rays, your blood tests, your M R I scans, for example,

would be paid in full physiotherapies covered as well,

as well as mental health outpatient therapies,

and that is kind of the main difference.

The only thing to bear in mind is if you have an excess, the excess would apply.

Outpatient cover is well means when you don't occupy a bed in a

hospital, so you're not a day case or an inpatient.

Outpatient can consist of consultations, physiotherapy,

or mental health therapies.

You have different outpatient limits that you able to choose from.

You can cap the outpatient limit. You can have full outpatient,

or you can exclude it altogether and use the N H Ss for your diagnosis.

When you call us up to pre authorize your claim,

we can talk you through the limits that are available because if you are capping

your outpatient limit,

please bear in mind that that may only cover a few consultations.

Treatment in care is a policy option that is more cost

effective than our full comprehensive cover. It will cover,

you have access to the digital gp, so you could use that to get a referral.

The main difference is that consultations and diagnostic tests of the

diagnosis side would be covered via the N H Ss.

Once you've been diagnosed with a condition and you need treatment and care,

you would use the policy to cover an operation In a private hospital,

you have a full therapies limit.

So we've covered physiotherapy or mental health therapies,

and once you've had your operation,

we would cover any follow-up consultations within six months of that treatment

and care.

Health insurance covers any new conditions that started after the policy

starts. For any conditions that started before the policy starts,

they wouldn't be covered.

There are also general exclusions that apply to all of our policies,

and a few examples of the general exclusions are pregnancy, cosmetic surgery,

and chronic conditions.

And a chronic condition is a condition and that can't be cured,

and that would just be maintained. Two examples are asthma and diabetes.

You would typically use the N H S A full list of our general exclusions can be

found on our website.

The main difference is the amount of hospitals in each network,

so you've got the smallest, then the medium, then the largest,

which includes the Central London hospitals.

The best way to find out about the hospitals is to go on a consultant and

facilities finder at Finder Bupa dot co uk.

Type in your post code and have a look at the local hospitals nearest to you.

If you are happy to or want to have hospitals outside of your local area,

then it may be best to look at the higher levels of hospital cover.

Yes, it's likely the cost will go up each year.

There's a few reasons for that.

The first reason would be age. So as you get older,

you are more likely to make claims, your risk goes up.

Another factor would be medical inflation.

So that is the advancement in technology of drugs and

treatments. And then another factor would be claims.

Claims can affect the cost of your policy.

At each renewal,

you have the option to review the cover and look at cost options,

and you can give our friendly team a call who can take you through those

options.

Bupa Bayou Health Insurance is a UK only product.

If you work or live abroad,

then you can look at our Bupa global suite of products.

If you are going on holiday, then you should look at travel insurance.

There are different levels of cover.

You can change the hospital lists because we've got lots of different hospitals

through the uk. You can add and remove cancer cover,

you can change your outpatient limits.

There's different options to suit different budgets.

You can give us a call to talk through these options or find the options on our

website.

Yes, different family members on the policy can have different levels of cover.

So if you, as a parent wanted one level of cover, say for example,

to have full outpatient cover and you wanted your child to have limited

outpatient cover, that's absolutely fine.