How much is Bupa health insurance UK 2023?
One of our most common questions that our customers ask us is ‘how much does Bupa health insurance cost?’. Your Bupa health insurance premiums will mainly be based on your age and your home postcode.
We’ve created a quick guide and a comprehensive list of examples to show you roughly how much your Bupa health insurance premiums might be. It’s really important to understand the cost of health insurance in the UK, so that there are no nasty surprises and to make it easier for you to compare quotes.
Our experts regularly review health insurance providers and the latest health insurance costs to make sure that you get the best cover at the right price. Our independent Bupa health insurance reviews will help to explain about the cover options and the monthly cost.
60-Second Summary – How much does Bupa health insurance UK cost per month?
One of the most important elements for anyone looking for health insurance is the price and that’s the same for Bupa or any other health insurance provider. The other key factors are quality of cover and the level of care that you’re going to receive if you get injured or become unwell.
The main points that you need to consider with the cost of Bupa health insurance per month are:
- Bupa health insurance monthly premiums are usually the same regardless of where you purchase your policy from and so quality of service and advice is very important.
- The monthly cost of Bupa health insurance can be fairly flexible depending on the options that you choose and the level of cover that you need.
- Other providers may also be significantly cheaper than Bupa health insurance per month depending on your age and your location in the UK so you should always look at several options.
- Even though Bupa health insurance is one of the biggest names in private healthcare, there are other options that offer similar or better levels of cover than Bupa for less per month.
- Check with your employer to make sure that you don’t have health insurance through them and ask them if they would consider Bupa health insurance if you don’t have cover to save you money.
How does Bupa health insurance pricing work?
Every health insurance provider has its own specific pricing structure which is based on a number of elements. Bupa health insurance pricing is the same as the main health insurance providers in terms of its pricing, with a few unique Bupa options. Bupa have published this video on their website and YouTube channel to help explain the way that they work out their health insurance pricing to their customers.
The cost of Bupa health insurance per month is very similar regardless of where you buy your cover from and so it’s important to get good quality advice and service.
How are Bupa health insurance monthly premiums calculated?
|What impacts the monthly cost of Bupa health insurance?
|Explanations and examples
|Age of the policyholder
|The most important and influencing factor for all Bupa health insurance premiums is the age of the policyholder. The cost of private health insurance cover will always be affected by your age, no matter which provider you choose.
You should consider that health insurance will get more expensive as you get older (similar to Pet Insurance).
|Postcode and geographical location
|Where you live is also a very important element to the cost of your Bupa health insurance premiums every month. This is purely because of the fact that private healthcare is more expensive in certain areas (i.e. London and Manchester).
The cost of health insurance can be as much as 20 to 30% higher in certain areas of the United Kingdom.
|A good way to manage the cost of your Bupa health insurance premiums is by increasing the excess amount on your policy.
Higher excesses mean that the insurer will have to pay less if you need to claim on your policy and so the cost will naturally be lower for a higher excess (Excess options £0 to £5,000)
|Hospitals and Consultants
|The cost of private healthcare in the UK can vary significantly depending on the hospital or private facility that you receive your treatment in and the consultant or specialist that you use.
You can save money on your Bupa health insurance premiums by choosing their ‘Guided Care’ option which has a pre-selected list of hospitals that are approved by Bupa and that they have agreed preferential terms with.
Bupa Hospital Network Summary (Full List) – CLICK HERE
|No claims discounts
|Bupa health insurance premiums are also linked to your ‘No Claims Discount’ (NCD) which works in the same way as your car insurance or home insurance.
Bupa no claims start at 10% from 2 years up to 70% after 14 years of holding a Bupa health insurance policy without making a claim.
|Cover options and benefits
|Cover options and the level of cover that you choose for your policy can make a major difference to your Bupa health insurance premiums every month.
You need to think about how much cover you need and which options that you are looking for so that your premiums are affordable but also that your cover is suitable (more benefits and options = higher premiums).
|Smoker or non-smoker
|Almost all personal protection policies (e.g. life insurance, health insurance, critical illness cover etc.) will cost more for smokers than non-smokers, and Bupa health insurance premiums are no different.
Health risks for smokers are considered to be higher than for non-smokers and therefore the cost of cover will increase.
|Pre-existing medical conditions and lifestyle
|Bupa health insurance has two options for underwriting when you apply for a new policy, which are ‘Moratorium’ and ‘Full Medical Underwriting (FMU)’.
If you have a pre-existing medical condition then you can potentially reduce your premiums by selecting fully underwritten which will exclude your medical history and the premiums will be reduced to reflect this. You should get proper advice about this from a medical health insurance specialist before choosing which option is best for you.
|Optional benefits and add-ons
|There’s a long list of Bupa health insurance optional extras and benefits that can be added to your plan which all have an additional cost.
The most common Bupa benefits that are added include Out-patient, Cancer Care, Therapies Cover, Mental Health Cover, and Dental Cover. You can tailor your Bupa health insurance policy to suit your individual needs and your budget.
Bupa By You Policy Benefits Summary – CLICK HERE
Bupa Mental Health Cover Competitor Comparison – CLICK HERE
Note: Your monthly Bupa health insurance premiums will be based on all of the factors mentioned above and you should always shop around to get the best price for cover.
About our guide to the cost of Bupa health insurance
This guide is to provide some context and to give some guidance for the cost of Bupa health insurance plans for individuals, couples and families. We aim to explain how premiums are calculated and to give some examples for various scenarios and options.
Our Bupa health insurance quotes are generated from our live systems in 2023 to show live pricing examples. We’re a top rated health insurance specialist which is different to some other websites who sell your data to third party companies that are not properly assessed as fit or proper.
Note: We don’t sell your data to health insurance brokers because we’re a Bupa health insurance specialist ourselves, so we have our own experts who will help you and your family to get the best cover at the right price.
Is Bupa health insurance worth it?
There are many health and lifestyle benefits to Bupa health insurance, so the value of this type of cover can vary dramatically from one person to another. Ultimately, the most important benefit of a Bupa health insurance policy is the level of treatment and care that you get, much quicker than you would receive on the NHS.
The real value of any health insurance cover is the fact that it aids quicker diagnosis (through minor diagnostic tests) and helps to reduce recovery time. Getting the most out of your Bupa health insurance policy can make a significant difference to your long-term health.
Bupa Minor Diagnostic Tests Explained – CLICK HERE
What is a typical health insurance claim?
Here’s a quick example of a typical health insurance claim to help explain the real value of a policy if you needed to make a claim.
Mrs A. is a business owner and her job requires her to be able to travel to work as well as some elements of manual work day to day. She has a serious back problem that requires surgery and therapy to help her to fully recover more quickly.
Bupa health insurance would diagnose the problem more quickly through one of its specialists and private facilities. They would then find the best specialist to perform the surgery and provide follow-up therapies to speed up recovery time.
How can I compare the cost of Bupa health insurance?
We always recommend to compare several health insurance quotes to make sure that you get the very best cover at a ‘fair price’. Bupa is one of the top and most well-known health insurance providers but that doesn’t always mean that it’s the best option for you.
Is Bupa health insurance any good?
There are two main policy options to choose from with Bupa health insurance which offer very different levels of cover and costs. You need to find the best policy that fits your needs as closely as possible and that fits within your budget.
Option 1. Bupa Treatment and Care
This is the budget or lower cost option that Bupa offers and is the most common option for policyholders because of its price. The main reason why this cover is cheaper than the higher cost option is because it uses the NHS or self-funded consultants for diagnosis and then provides treatment for acute conditions following diagnosis.
You can also get full cancer cover which provides unlimited cancer treatments and care, regardless of cost and recovery time.
Bupa Treatment and Care Policy Summary – CLICK HERE
Option 2. Bupa Comprehensive Health Insurance
The Bupa comprehensive health insurance policy is the highest level of cover that offers policyholders full private healthcare diagnosis and treatment. As the name suggests, this policy offers a holistic level of care and treatment from the range of Bupa approved hospitals.
There are also two different levels of cancer care which are full Cancer Cover (complete cover) and NHS Cancer Cover Plus (covers cancer treatment not available on the NHS).
Bupa Comprehensive Health Insurance Policy Summary – CLICK HERE
Bupa health insurance ratings
It can be useful to look at both industry ratings and awards and customer reviews to assess what an insurance provider does well and if they are a good option for the cover you need. Defaqto star ratings are used across the insurance industry as a way to measure the quality of an insurance product and the benefits they offer.
Defaqto rating (Bupa Treatment and Care) – 3 Stars which indicates ‘a standard product providing an average level of features and benefits’
Defaqto rating (Bupa Comprehensive Health Insurance) – 5 Stars which indicates ‘an excellent product with a comprehensive range of features and benefits’
For customer reviews and scores, you can use websites like TrustPilot to see what current Bupa customers think about Bupa and the level of service they provide. Bupa are generally praised by their customers, with 68% of independent reviewers scoring Bupa 5.0 out of 5.0 stars.
TrustPilot score (Bupa UK Insurance) – 4.1 out of 5.0 stars with over 21,500 reviews
Bupa has also won countless industry awards for their policies and customers service over the years. Most recently, they won Best Customer Service Delivery, Best Add On Support Service (Insurer), Best Wellbeing Provider and Best Individual Health Insurance Provider at the Health & Protection Awards 2023.
Note: All scores, ratings and figures are accurate as of December 2023 but may change over time. We do our best to regularly update our guides to reflect the most recent scores and ratings for each insurance provider.
Average cost of Bupa Health Insurance 2023
Our market research was carried out in December 2023 to review the year and then we can assess against changes in the following year. We use our own Bupa health insurance pricing to get accurate and up to date figures to show how much premiums are for different ages of customers.
Below are a set of tables that show the pricing for Bupa health insurance based on several different groups of individuals, couples and families. These prices are purely for guidance to show potential new customers what the approximate costs can start from.
Quote criteria: Person/people of an age that are non-smokers and quotes are based on ‘moratorium’ underwriting (no medical questions) with a North East postcode. All of the quotes below were produced by our team of health insurance experts in December 2023 for a Bupa health insurance policy with ‘Extended’ hospital list, £500 Excess, Full Cancer Cover, and an Outpatient Limit of £500.
How much does Bupa individual health insurance cost?
|Age of policyholder
|Bupa health insurance premiums (monthly)
The table above clearly shows how affordable and reasonable Bupa health insurance premiums are for standard cover. We benchmarked these costs against all of the top health insurance providers and Bupa consistently returned quotes in the three cheapest health insurance companies.
How much does Bupa joint health insurance cost?
The quotes and estimates in the table below show monthly premiums for Bupa joint health insurance based on two applicants of the same age. These examples are purely to be used as a guide and you should note that premiums will vary depending on the age of each applicant.
Note: Bupa joint health insurance offers a discount of 5% on the total premiums as standard, compared to premiums for two single applicants.
|Age of policyholders
|Bupa health insurance premiums (monthly)
We have regularly and thoroughly assessed Bupa health insurance pricing against its main competitors for the cost of joint health insurance. Our experts identified that Bupa were not as competitive for joint or couples health insurance compared single premiums for individual cover.
How much is Bupa health insurance for families?
There are hundreds of possibilities for Bupa health insurance for families, depending on the ages of your children and how many children you have. Obviously, it’s difficult to show examples for every scenario and so we’ve chosen to display the option of two children aged 5 and 8 which to illustrate the standard cost for a typical family.
Bupa family health insurance is very competitively priced compared with other top health insurance providers.
|Age of policyholder
|Bupa health insurance premiums (monthly)
Based on our experts assessment of the market, Bupa family health insurance premiums were consistently lower and better than the majority of the other top health insurance providers. This was clearly an area of significant strength for Bupa and gives us confidence of how competitive they are for family health insurance.
How much is Bupa health insurance UK per month?
Based on the figures from the above tables of Bupa’s recent health insurance pricing, we have listed below the average cost of Bupa health insurance for individuals, couples and families:
Average cost of Bupa Individual Health Insurance – £39.60 per month
Average cost of Bupa Couples Health Insurance – £75.31 per month
Average cost of Bupa Family+ Health Insurance – £68.88 per month
These figures are intended as an estimated guide only and don’t include any additional discounts that may be offered by Bupa (e.g. 10% off for families). The price you will pay will be affected by all the standard health insurance factors including your age, postcode and level of cover.
Is Bupa Health Insurance expensive?
Health insurance can be difficult to compare because there are so many options and lots of different companies that offer this type of cover. It’s sometimes easier to just stick with what you know and there’s no bigger name in private medical insurance than Bupa, but does that mean that they charge more simply because of the name?
Our health insurance experts are constantly reviewing our panel of health insurance to make sure that our partners offer the very best cover, excellent customer service, and most importantly that prices are reasonable or competitive. The key things about health insurance are getting great cover at a fair price, as well as providing policyholders with outstanding care if they are injured or unwell.
One of the biggest questions with this particular guide should definitely be “is Bupa health insurance expensive?” and does it offer great value for money as well as great cover.
When we benchmarked Bupa recently in this pricing review, we were also looking at how Bupa health insurance prices matched up to the main competitors in this space. We were very pleased to see that Bupa premiums were consistently competitive in most of the different areas of the sector, but especially for family health insurance and couples health insurance.
"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
Does Bupa private healthcare cover cancer?
Both Bupa Treatment and Care and Bupa Comprehensive policies include the option to add on full cancer cover. This benefit will increase the cost of your cover slightly, but will cover the cost of private treatment. Self-paying for many of these private treatments would otherwise be very expensive and can be completely unaffordable for some people.
This short video made by Bupa explains the full benefits of their cancer cover and Bupa’s ‘cancer promise’ to support their members.
If you have cancer cover with Bupa, you can use their Direct Access service to get advice as soon as you have any symptoms that you suspect could be cancer. You may even be able to book an appointment with a specialist immediately, to help ensure that you are diagnosed and treated quickly.
Does private healthcare cover mental health?
Bupa offers top-quality mental health support, covering more conditions than any other UK health insurance provider. Bupa customers can add mental health cover to their policy for an additional cost, which provides ongoing mental health support.
If you are experiencing issues with your mental health, you can call the Bupa mental health team who can offer advice and can often immediately arrange an appointment with a qualified mental health practitioner. This video from Bupa highlights the story of Jameel who struggled with anxiety and depression and how Bupa mental health support helped him.
Bupa published competitor comparison figures in 2023 which highlighted how the features of their mental health benefit compared to the benefits on offer from AXA Health, Aviva and Vitality.
Frequently asked questions about the cost of Bupa health insurance
How much does a Bupa health test cost?
You can pay to receive a Bupa health assessment, even if you aren’t a Bupa health insurance customer. This assessment works as a preventative health check which picks up on potential risks and hereditary conditions which can help you catch them early and get treatment more quickly.
The cost of these tests will vary depending on the one you choose, with home health checks being more cost-effective.
- Bupa Be.Healthy at Home – £199 (health check via video call)
- Bupa Be.Healthy at Home Plus – £289 (health check via video call and includes up to 30 minute consultation with a private GP)
- Be.Motivated (In Centre Check) – £235 (includes a series of tests and help with creating a plan to improve your health)
- Be.Reassured (In Centre Check) – £760 (includes the same as the Be.Motivated check plus time with a health advisor and up to 1 hour with a private GP)
- Be.Ahead (In Centre Check) – £980 (an advanced 3 hour health assessment with personalised tests, a full body check, fitness tests and up to 1 hour with a private GP)
You can book your assessment online or by calling 0330 134 5350.
Can you pay monthly for Bupa?
YES – As with most health insurance providers, you will be able to pay monthly or annually for Bupa health insurance policies.
You can choose whichever method of payment that works best for you. Some customers prefer to pay annually so they don’t have to budget for policy payments each month and others prefer not to pay everything upfront.
What is the average cost of private health insurance in UK?
Based on our most recent research, the average cost of private health insurance in the UK is £60.09 per month. The actual cost paid by each customer will vary though, which is why it can be useful to shop around for quotes to make sure you get the best possible price.
The average cost of Bupa health insurance is between £39.60 – £75.31 per month based on the type of cover you buy (individual, couples or family cover) and your age when you apply.
How can I save money on Bupa health insurance?
Getting the best and lowest premiums for your Bupa health insurance cover can help to make your policy more affordable for you and your family. You should carefully consider all of your options and what you actually want from your Bupa health insurance policy to make sure that your cover is suitable.
Top tips to save you money on your Bupa health insurance:
- Your age: as you can see from the tables above, health insurance premiums are always cheaper for younger people. By getting cover when you’re younger and not putting it off, you can save money in the long-run as you build no claims discount.
- Smoker status: if you smoke then you’ll often pay more for Bupa health insurance because of the extra health risks connected to smoking or vaping. By quitting smoking you can reduce the cost of your health insurance as well as the additional benefits to your own health.
- Medical underwriting: people with a pre-existing or chronic medical condition can opt for moratorium underwriting to potentially reduce their Bupa health insurance premiums. Any pre-existing conditions would be excluded and you won’t pay for these exclusions which would be excluded regardless of how you applied for cover.
- Speak to your employer: if you’re employed then you could speak to your employer to see whether they would be happy to set up a company scheme. Group health insurance schemes are often cheaper than personal health insurance.
- Shop around: there are several major health insurance providers and lots of options other than what is offered by Bupa health insurance. It’s worth comparing health insurance quotes with several of the other main insurance companies to see whether Bupa’s price is competitive.
- Speak to a health insurance specialist: by getting proper advice from a health insurance specialist, you can easily and quickly compare Bupa health insurance premiums with the other top insurers. A specialist will also be able to advise you on which options are best and how you can save money.
Our team of qualified health insurance experts can help you to compare Bupa health insurance premiums and options quickly. It’s our mission to get you the very best cover and to make sure that you don’t pay more than you need to.
We understand that the most important thing for our customers is to get the best and right cover at the very lowest price.
If you need help or advice then you can speak to one of our friendly specialists on 0800 009 6559 or CLICK HERE for help.