Founder and Editor
If you're looking for Bupa health insurance costs, you're in the right place. We've obtained hundreds of quotes to bring you this extensive pricing guide.
Chris is our resident private health insurance and healthcare expert. He has over a decade of experience writing about private medical insurance and treatment. He's Chartered Insurance Institute qualified and is regularly quoted by the national press.
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 January 2023, they were all based on fictitious people.
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 insurance is quick and easy and is a surefire way to ensure that you get the best policy and price for your circumstances.
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-known health insurance provider in the UK and maybe unsurprisingly has one of the biggest customer bases, at around 2.3 million people. The company is limited by a guarantee, meaning it doesn't have shareholders and can reinvest profits.
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 agency Defaqto scored Treatment and Care three stars in 2023 and Comprehensive their maximum rating of five stars. At the time of writing, Bupa boasts an impressive Trustpilot rating of 4.3 from nearly 15,000 reviews.
If you'd like to learn more about Bupa's private health insurance cover, please read our recent review.
Here are some of the most prominent benefits of Bupa 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:
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.
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 the Financial Conduct Authority, they have to work in your interests, not theirs.
Save up to 37%* on your insurance by comparing policies
*Based on 461 quotes between 01/22-01/23
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.
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:
In January 2023, we did in-depth pricing research and obtained hundreds of quotes from Bupa for fictional people across the UK. Here are our findings, which reveal the average cost of Bupa health insurance in 2023:
As you can see, the price of Bupa health insurance is relatively affordable while you're young. However, as you age, the cost rises sharply, which is in line with other insurers. We recommend that you compare medical insurance to find the best policy at the best price for your circumstances.
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.
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.
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.
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.
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.
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.
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.
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.
Disclaimer: This article's private health insurance pricing will not be the same as what your private health insurance will cost.
"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. "Compare Health Insurance
by Erica - 27th April 2022
Disclaimer: This information is general and what is best for you will depend on your personal circumstances. Please speak with a financial adviser or do your own research before making a decision.
The average cost of a Bupa Health Insurance policy in 2023 is £78.92 per month. However, this is based on people aged 20-70 and many other variables, so the cost of your policy will be different. Please request a comparison quote to find out how much a policy will cost for you.
There are several ways you can reduce the cost of Bupa health insurance, perhaps the most important is by shopping around and comparing all of the insurers in the market. You could also consider reducing or removing the outpatient cover or increasing your policy excess.
Bupa is one of the best health insurance companies in the UK and is undoubtedly worth your consideration. Their Comprehensive policies have a 5-star Defaqto rating and excellent customer reviews. Please bear in mind that there are several leading insurers in the UK; therefore, it's always wise to compare policies before buying.
Bupa is one of the leading health insurance providers in the UK; however, others might be better for you and your circumstances.
Yes, Bupa has a network of private hospitals and clinics across the UK.
Yes, a Bupa health insurance policy will include cancer cover. If you would like your policy to cover the cost of investigations and tests leading up to a diagnosis, you will need to opt for outpatient cover too.
No, like others, Bupa won't cover pre-existing medical conditions; however, if you don't suffer from any symptoms or require treatment for the said condition for two years after taking out a policy, it will be covered.
Bupa is one of the only health insurance companies to offer mental health coverage as part of their core policy.
Unless it is seen as reconstructive, cosmetic surgery typically isn't covered by Bupa health insurance.
Save up to 37%* on your insurance by comparing policies
*Based on 461 quotes between 01/22-01/23
