Bupa Health Insurance Cost UK - 2023 Pricing Guide (2023)

Navigate this guide:

  • Introduction to Bupa
  • What affects the cost of Bupa private health insurance?
  • How to get the best deal on your private health insurance
  • Cost of Bupa Health Insurance in 2023
  • How much is Bupa Family Cover?
  • Average Bupa health insurance costs in 2023
  • How much does Bupa health insurance cost for couples?
  • How much does Bupa health insurance cost for a family of 3?
  • How much does Bupa health insurance cost for a family of 4?
  • How much does Bupa health insurance cost for a family of 5?


Health insurance is a complicated financial product with many options and variables; therefore, the cost of your Bupa health insurance will differ from what we share here. The costs of Bupa Health Insurance included in this article are only meant as examples. While we've received hundreds of quotes from Bupa in 2023, they were all based on fictitious people.

Why you should always compare health insurance providers

While Bupa is undoubtedly one of the best health insurers in the UK, they're one of many, and there's a high probability that another provider may be a better fit for you.Comparing health insuranceis quick and easy and is a surefire way to ensure that you get the best policy and price for your circumstances.

Introduction to Bupa

Bupa Insurance Limited is an international health insurance and healthcare group that began in the UK. Today they have a presence in numerous countries and provide services to some 38 million customers worldwide. Bupa is perhaps the best-knownhealth insurance provider in the UKand maybe unsurprisingly has one of the biggest customer bases, at around2.3 million people. The company is limited by a guarantee, meaning it doesn't have shareholders and can reinvest profits.

Bupa Health Insurance Cost UK - 2023 Pricing Guide (1)

"I requested a policy review having been with Bupa for over 10 years and was astonished by the savings I've made on mine and my husband's policy. If you're thinking about reviewing your policy do it, you won't be disappointed. "

by Erica - 27th April 2022

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Bupa Health Insurance Cost UK - 2023 Pricing Guide (2)

Bupa Health Insurance Cost UK - 2023 Pricing Guide (3)

Bupa Health Insurance

Bupa offers two core policy types, "Treatment and Care", their entry-level option, and "Comprehensive", which gives you access to a broader range of care. The independent rating agencyDefaqtoscored Treatment and Care three stars in 2023 and Comprehensive their maximum rating of five stars. At the time of writing, Bupa boasts an impressiveTrustpilotrating of 4.3 from nearly 15,000 reviews.

If you'd like to learn more aboutBupa's private health insurance cover, please read our recent review.

(Video) Bupa By You health insurance | How is my price calculated?

Key benefits of Bupa health insurance

Here are some of the most prominent benefits of Bupa health insurance:

  • Treatment in private hospitals as an inpatient or day-patient (all policies)
  • Outpatient treatment and diagnostic tests (comprehensive policies, limits may apply)
  • You can go direct to Bupa for certain conditions without seeing a GP first (Direct Access)
  • Bupa provides mental health insurance as standard, which is rare.
  • You get 24/7 access to a Digital GP service
  • 24/7 Nurse helpline
  • Access to breakthrough drugs and cancer drugs
  • Full Cancer Cover promise
  • Rewards and discounts from top brands

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What affects the cost of Bupa private health insurance?

There are a vast number of things which will affect the cost of private health insurance, be that with Bupa or another insurer. You'll have control over some of them, such as the level of cover you opt for and the excess you set on the policy, but for others, such as where you live or your age, you won't.

Here are just some of the factors that will affect the ultimate cost of your Bupa insurance:

  • Your age- health insurance costs more as we age and considerably more as we enter retirement and later life.
  • Where you live- if you live in a major city, the cost of private medical treatments is likely to be higher, and therefore you can expect to pay more for your health insurance. London is usually the most expensive; however, we've also seen high premiums in Manchester and other major cities.
  • Cover level- what you want your policy to cover is the most significant factor you have control over. Go for a basic policy, and you'll pay less. Opt for a comprehensive policy with many additional options, and you'll pay more.
  • Your excess- the higher your excess, the lower your premiums will be, however, please ensure that it remains affordable, as the last thing you want is a big bill that you can't afford when you're unwell.
  • Consultant access- the leading insurers, Bupa included, typically give you two choices regarding medical consultant access. You can opt for their "Guided Care", which limits you to a pre-approved list they have favourable terms with, or you can choose unrestricted consultant access. Based on our research of all leading providers, opting for restricted consultant access will typically reduce the cost of your health insurance policy by 20%.
  • Hospital list- some private hospitals charge more than others, especially those in central London, often operated by HCA. If you want to include high-end hospitals, you can expect your premiums to increase.
  • No claims discount-Bupa offers a no claims discount(NCD) which increases from 10% for two years to 70% for 14 years of no claims. The only claims that won't affect your NCD are for Dental Cover (if you've opted for it) and their NHS Cash Benefit.
  • Therapies cover- with access to NHS physiotherapists and other alternative therapists becoming increasingly more complex, many people that take out health insurance will opt for the addon of "Therapies Cover". Doing so will, of course, increase your premiums.
  • Dental cover- If you want to cover the cost of routine dental appointments, such as checkups and trips to the hygenist, you can take out the optional Dental Cover.
  • Mental health cover- uniquely to Bupa, they include Mental Health Cover in their base policies up to certain limits. Therefore, there's no additional cost to protect your mental health unless you want to extend those limits.
  • The cost of private medical treatment- inflation affects all products and services in the UK, and thecost of private medical treatmentis no different. Prices tend to rise and contribute to the increasing cost of private health insurance cover year on year.
  • Your medical history- if you opt for Moratorium Underwriting, your medical history won't affect the cost of your Bupa health insurance, as anypre-existing medical conditionswill be automatically excluded. However, if you choose Full Medical Underwriting, your medical history may come into play.
  • Your smoker status- we all know that smoking is bad for us, and insurers know it too. You'll likely pay more for private health insurance if you're a smoker or using nicotine replacement products.

As we mentioned at the start of this section, these are just some factors that'll affect the cost of your Bupa private medical insurance. There's more, which we don't want to get into now, but suffice to say, getting advice from an independent broker before buying is vital.

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How to get the best deal on your private health insurance

While this post focuses on Bupa, we hope it illustrates how complicated health insurance can be. If you multiply that by 7-8 of the top providers, each with subtle differences, it's a minefield. The only way you can truly ensure you get the best price and private health insurance policy is to get a comparison quote and speak to a health insurance broker. Health insurance brokers compare policies every day and therefore are in the perfect position to find the best private medical insurance provider for you. Health insurance brokers work for you, the customer, not the insurers, yet the service is completely free. Yes, they earn a commission if you buy a policy, but under their obligations with theFinancial Conduct Authority, they have to work in your interests, not theirs.

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Cost of Bupa Health Insurance in 2023

Here are our findings based on many quotes from Bupa obtained in 2023. We examined how much they charge for seven age groups in ten major towns and cities across the UK.

Bupa policy configuration

To find a meaningful average, we needed to select policy terms that were typical for most people looking at health insurance. We must reiterate that these terms and, therefore, the prices are just examples. You could opt for more coverage and pay a higher premium, or vice-versa.

Here is a summary of how we configured our Bupa cover:

  • Pricing is based on an individual applying as a new Bupa customer
  • Prices are based on quotes in 10 major towns and cities across the UK
  • We opted for a Comprehensive policy, including private outpatient treatment, limited to £1,000 per policy year
  • We included cover for therapies such as physiotherapy
  • The pricing is based on an average of Guided Care and Unrestricted Consultant access
  • We didn't opt for routine dental cover
  • The individual wasn't a smoker
  • We opted for Bupa's standard hospital list
  • We set an excess on the policy of £250
  • The applicant didn't have a no-claims discount
  • The policy was underwritten on a Moratorium basis
  • Pricing was obtained in January 2023 via Bupa's website

Average Bupa health insurance costs in 2023

Based on hundreds of private health insurance quotes received from Bupa earlier this year, we can reveal the average cost of their Comprehensive policies.

Average cost of Bupa private health insurance in 2023
Applicant ageMonthy Premium

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Bupa Health Insurance Cost UK - 2023 Pricing Guide (8)

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Bupa Health Insurance Cost UK - 2023 Pricing Guide (11)

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(Video) Bupa health insurance | What is a general exclusion?

Please note that the cost of your private health insurance will differ from the prices listed on this page.

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How much is Bupa Family Cover?

We don't have as much data for both couples and families, but if we hear that there is demand for it, we may expand this post in the future. For the time being, we can provide you with example pricing based on a single location in the UK chosen randomly. Families also benefit from a 10% discount in comparison to applying individually.

(Video) Bupa By You health insurance | What are outpatient benefit limits?

Couples and family health insurance policy configuration:

  • All prices were received in 2023 via the Bupa website
  • We used a St Albans, Hertfordshire postcode
  • We set the health insurance policy excess to £250 per policy year
  • The policy used Moratorium underwriting
  • We opted for their Guided Care (restricting consultant access)
  • We included £1000 of outpatient cover
  • We defaulted to their standard hospital list
  • Any children on the policy were ten years old
  • We didn't opt for dental cover
  • All applicants we non-smokers
  • Where more than one adult was on the policy, they were the same age, precisely

As you can see, this methodology is far from perfect, and it's improbable that you and your partner are the identical age and have kids the same age too! So, to reiterate, please take the following with a large pinch of salt and compare health insurance costs and providers before you buy a policy.

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How much does Bupa health insurance cost for couples?

In this section, we share the price of a comprehensive Bupa medical insurance policy for a couple. Please note that couples save 5% compared to two individuals taking out a health insurance policy. This pricing research also has subtle differences from the research for individuals, so the two are not comparable.

Cost of Bupa Comprehensive Health Insurance for Couples
Applicants' AgesMonthy Premium

Disclaimer:The pricing is merely an example based on many factors, and your premiums will undoubtedly differ. Please request a comparison quote to get a valid quotation based on your personal circumstances.

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How much does Bupa health insurance cost for a family of 3?

In this section, we've obtained health insurance quotes from Bupa for a family of 3. Both adults were the same age, and the child was ten years old.

Cost of Bupa Comprehensive Health Insurance for Family of 3
Adults' AgesMonthy Premium

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Bupa Health Insurance Cost UK - 2023 Pricing Guide (16)

How much does Bupa health insurance cost for a family of 4?

This section of our article shares examples of Bupa private health insurance prices for a family of 4. Both adults were the same age, and the children were both ten-years-old.

(Video) How much does private health insurance cost in the UK?

Cost of Bupa Comprehensive Health Insurance for Family of 4
Adults' AgesMonthy Premium

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Disclaimer:The health insurance pricing provided in this article is meant only as an example and, while accurate, is based on many factors; therefore, the cost of your policy will be different. Please consult with a health insurance specialist before making a purchasing decision.

Bupa Health Insurance Cost UK - 2023 Pricing Guide (17)

How much does Bupa health insurance cost for a family of 5?

Finally, we looked at the cost of Bupa health insurance for a family of 5, with both adults sharing the same birthday and the children all being 10.

Cost of Bupa Comprehensive Health Insurance for Family of 5
Adults' AgesMonthy Premium

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Disclaimer:This article's private health insurance pricing will not be the same as what your private health insurance will cost.

Bupa Health Insurance Cost UK - 2023 Pricing Guide (18)

Compare health insurance

Please compare policies before deciding on health insurance policies. Each provider has numerous options, and what is best for one person will certainly not be for someone else. Your personal circumstances play a significant role in the cost of private health insurance and the cover level you would like. By comparing health insurance policies, you ensure you get the best policy at the best price.

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(Video) Bupa By You health insurance | Understanding excess


How much does health insurance usually cost UK? ›

According to ActiveQuote and BoughtByMany the average price for an individual private health insurance policy is £1,115 a year (as of October 2021) – but there are many factors that can make the price go up or down.

How can I reduce my Bupa premiums? ›

7 ways to reduce health insurance costs
  1. Understand your individual needs. ...
  2. Increase your excess. ...
  3. Keep up a healthy lifestyle. ...
  4. Reduce optional extras. ...
  5. Select the most appropriate hospital network for you. ...
  6. Choose the right outpatient care limits for you. ...
  7. Look out for multi-person discounts.

Will health insurance premiums go up in 2023? ›

On average, individuals buying insurance for themselves will spend 3.5% more in 2023 than they did in 2022, and in some states they will face a much more significant hike: In Georgia and Colorado, premiums will rise by about 20%, and in Wyoming, Alaska, and New Mexico by 15%.

What are Bupa levels of cover? ›

The tiers are:
  • Basic – Entry-level hospital cover.
  • Bronze – Hospital cover for typical treatments.
  • Silver – Cover for a wide range of hospital treatments.
  • Gold – Coverage for all hospital clinical categories.

Is it worth having Bupa? ›

Bupa health insurance – Key benefits

Cover more mental health conditions than any other insurer. Cover includes therapies and mental health cover as standard. Health advice is available 24 hours a day, 7 days a week. Access to breakthrough cancer drugs and treatment.

How much is health insurance in the UK per month? ›

According to our research, the average cost of an individual private health insurance plan sits at around £85 per month or £1,020 per year! However, just like any type of insurance, the cost of private health insurance can vary significantly depending on your circumstances.

What is the cheapest Bupa health insurance? ›

Yes, the Basic Accident Only Hospital cover is Bupa's cheapest hospital cover.

Can I ask my insurance to lower your rate? ›

Auto insurance prices are non-negotiable, so you can't ask your car insurance company to lower your rates. However, there are several ways to find more affordable premiums. Compare quotes from multiple insurers. Although states regulate the cost of car insurance, different companies offer varying rates.

What are three things you can do to reduce your premium? ›

5 ways to lower insurance premiums
  1. Review your policy coverage. Look over your policies annually, because prices can change from year to year. ...
  2. Check your deductibles. ...
  3. Make home improvements. ...
  4. Discontinue extra coverage. ...
  5. Ask for discounts.

Will health insurance be cheaper in 2023? ›

Market Rate Change in CA

Enrollees in Covered California can expect to see a 6% increase in prices for health insurance in 2023. However, looking at the previous four years indicates an average insurance rate that is well below the national average at 2.3%.

Are medical plan costs expected to see bigger rise in 2023? ›


Average costs for U.S. employers that pay for their employees' healthcare will increase 6.5% to more than $13,800 per employee in 2023, largely due to economic inflation pressures, according to professional services firm Aon.

What is the medical insurance trend for 2023? ›

Across the 2023 filings, many insurers are expecting to see a health cost trend of 4% to 8%. The cost trend reflects the rising prices paid to hospitals, doctors and drugmakers due to inflation and how much healthcare plans believe patients will use in the coming year.

Does Bupa medical cover dental? ›

You can access both NHS and private dental services with Bupa, including check-ups and cosmetic treatments. No insurance needed.

What is the waiting period for Bupa? ›

A 12 month waiting period may apply if a condition is assessed as pre-existing. That's any ailment, illness or condition, the signs and symptoms of which when assessed by a medical professional from Bupa, is found to exist 6 months prior to starting or upgrading to a higher level of cover with us.

What are the 3 types of cover that private health insurance offers? ›

Types of cover
  • Hospital cover helps with the costs of treatment as a private patient in hospital.
  • Extras cover helps with the cost of out-of-hospital health services that Medicare does not cover.
  • Ambulance cover can help with the cost of emergency transport and medical care.
  • Medicare covers these services.
Nov 29, 2022

Can you pay Bupa annually? ›

You can choose to have your premium taken out monthly, 3-monthly, 6-monthly or yearly. Pay online through myBupa with your Visa or Mastercard to keep your account up to date.

Is Bupa good private health insurance? ›

Despite its large market share and longevity in the global healthcare industry, Bupa customers have ranked the provider with an average of 1.5 stars out of 5 from a total of 963 reviews. The negative reviews most commonly mention poor customer service, expensive policies and lengthy wait times for benefits.

Can Bupa be paid monthly? ›

What happens when my client becomes a Bupa member? They'll be covered from the moment they've agreed on the level of cover that's right for them and they've set up their monthly Direct Debit and they can also pay annually.

How much should I pay for health insurance? ›

Minimum health insurance coverage

A good rule of thumb is to have coverage that's about 50% of your annual income. So, if you earn Rs. 20 lakhs, a Rs. 10 lakhs health insurance policy may be the right choice for you.

Is private health care worth it UK? ›

Whether you think private health insurance is good value for money is entirely a personal choice. For many people, there's no more worthwhile investment than their healthcare. Meanwhile, others are happy to exclusively rely on the NHS (though do remember you can still use the NHS when you're insured).

What is the average cost of family health insurance in the UK? ›

The average price of a private healthcare policy in the UK is £1,032.84 per year (February 2022); however, you could pay considerably less or more depending on your age and the level of cover you require.

Are prescriptions free with Bupa? ›

Bupa Blua Health prescriptions are private, so you'll need to pay for your medication. There's no extra charge for 'click and collect' from a local pharmacy or for delivery to your door.

Which is cheaper PPO or HMO? ›

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

How much does healthcare insurance cost? ›

BY Anna Porretta Updated on October 01, 2022

In 2020, the average national cost for health insurance is $456 for an individual and $1,152 for a family per month. However, costs vary among the wide selection of health plans.

How do you negotiate health insurance premiums? ›

Key Things To Consider While Negotiating Medical Insurance Contracts
  1. Gathering Information.
  2. Fee Schedule.
  3. Covered Services.
  4. Process Of Claiming Insurance.
  5. Notification Provision.
  6. Handling Disagreements.
  7. Medical Records.
  8. Terms And Termination.

What are four ways to lower your insurance rates? ›

Here are some ways to save on car insurance1
  • Increase your deductible.
  • Check for discounts you qualify for.
  • Compare auto insurance quotes.
  • Maintain a good driving record.
  • Participate in a safe driving program.
  • Take a defensive driving course.
  • Explore payment options.
  • Improve your credit score.

Can insurance raise rates for no reason? ›

Insurance companies take factors beyond your car and personal driving habits account when determining your rate. For instance, the following factors can cause your insurance bill to go up for seemingly no reason at all: Crime rate. Increased accidents—often from distracted drivers.

Is healthcare cheap in the UK? ›

The UK has a free publicly-funded healthcare system – the National Health System (NHS). The NHS is different from many healthcare systems elsewhere as it is funded through taxation rather than health insurance. There is also a smaller private healthcare sector that people can choose if they wish.

Is healthcare completely free in UK? ›

Hospital treatment is free of charge for people who are ordinarily resident in the UK. This does not depend on nationality, payment of UK taxes, National Insurance contributions, being registered with a GP, having an NHS number, or owning property in the UK.

Is health insurance free in the UK? ›

Most UK residents are entitled to free healthcare from the NHS. But many people also take out private medical insurance, which covers the costs of being treated by private healthcare providers.

Is US or UK healthcare better? ›

The government also has a hand on the ambulance services, nursing, community, health education and the quality. While, statistically, England is faring better than the US regarding healthcare systems and policies, there is still some major issues that stem from this National Health Service.

Can a US citizen get free healthcare in UK? ›

IMPORTANT: Anyone in the UK can receive treatment at an NHS facility, no matter their residency status. However, tourist visitors to the UK do not typically qualify for free NHS treatment. Any care beyond emergency treatment and certain other services will likely incur a fee.

Is private healthcare in UK cheaper than us? ›

Treatment costs in the USA are a lot more than private surgery costs here in the UK, with cancer-related treatments costing up to five times more in the USA than if you were being treated privately in the UK.


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2. Bupa By You health insurance | Understanding pre-existing conditions
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3. Bupa By You health insurance | What is a no claims discounts?
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4. Is private medical insurance really necessary in the UK? REAL advice | Pros and cons |
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