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BUPA: Health insurance reviews

Name: Health insurance
Rating: 2.28 (83 reviews)

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2.28

Based on 83 reviews, last reviewed 12th Oct 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

84%

Latest highest rating:

5

Good customer service, always helpful I've been very impressed with their responsiveness, their customer service and how smoothly the claim and reimbursement process runs. Reviewed on: 12th October 2026

Latest lowest rating:

1

Bupa is the worst insurance service I have ever expe... Bupa is the worst insurance service I have ever experienced. I would not recommend it. One of the biggest surprises was finding out that they don’t p... Read more Reviewed on: 3rd August 2026

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About this product

Bupa provide private healthcare insurance policies.

Bupa covers you from diagnosis to treatment. With Bupa, you pay a monthly subscription that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun. You can get a quote online or over the phone.

Bupa health insurance reviews help you find out what it’s really like to be a customer. If you’ve used Bupa before, you can also leave a review and share your experience.

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BUPA Health insurance reviews (83)

Good customer service, always helpful

I've been very impressed with their responsiveness, their customer service and how smoothly the claim and reimbursement process runs. Reviewed on: 12th October 2026

Bupa is the worst insurance service I have ever expe...

Bupa is the worst insurance service I have ever experienced. I would not recommend it. One of the biggest surprises was finding out that they don’t provide online doctor consultations in Europe. This isn’t made clear before you book an appointment. Only after I had booked did the doctor tell me that they couldn’t help me because the service doesn’t cover patients in Europe. That was shocking, especially since my Level 4 plan is supposed to provide European coverage. Another issue is that. I had a Level 4 plan with two different companies, but the benefits were completely different. In my experience, Bupa is quick to take your money but very reluctant to provide actual treatment. Instead of helping, they often tell you to see your GP or go to the emergency ! even for something like the flu. That defeats the purpose of paying for private health insurance. Be very careful before choosing this insurance. Make sure you fully understand what is and isn’t covered, as the reality may be very different from what you expect. Reviewed on: 3rd August 2026

Absolutely rubbish company.

Absolutely rubbish company. They rejected a claim for physio on my back and neck area as they have stated that I had a shoulder injury in 2018 (as note in my GP’s questionnaire). I tried to explain that the current injury is very different but they stated that the shoulder and the back are connected so they declined it. I asked to speak to a manager but it takes 4 days for a manager to revert, and only if the Manager feel that they have case to answer. As an example, BUPA said that if you break your leg at aged 5 and have no problems until you are 60, when you break your leg again, then your claim will be denied as it is a pre-existing condition. I tried to explain that even in that example, it is not an existing "condition". They reiterated that it is pre-existing - Ridiculous response! It’s almost as though the staff are programmed to reject claims. Reviewed on: 15th May 2026

Terrible service.

Terrible service. Refused to accept my evidence and repeatedly wasted my time over a very modest claim. Reviewed on: 13th April 2026

Having paid my premium for years i found i needed help.

Having paid my premium for years i found i needed help. Whilst they do have a lot of their own facilities and was seen by their GP in 48hrs it then went downhill. I was presented with a list of professional to choose from. sounds good eh? No! its really not. If the phone is answered, availability is to be worked out and that is not always straightforward. Tests arranged were sometime NHS facilities, manned by NHS staff on lunchbreak which i found bazar. Then if you have an excess get used to demand letters from all and sundry. All of this whilst worrying about a possible life changing diagnosis. I'm three and a half months into my fist call for help a few hundred pounds lighter, still not had the problem fully diagnosed and symptoms persisting. Throughout, no correspondence from Bupa to see how i am only notices of how much everything costs. Overall, very antiquated, not quick and certainly not caring. Bupa is just an insurance company, they’re not bothered about when it’s sunny, they just want to make money. Reviewed on: 25th March 2026

ihard to reach customer service, but once you g...

it is hard to reach customer service, but once you get in, they seem to be patient and helpful. The plans are good but not as comprehensive as other health insurance plans that I have used before for the money it is better to have a look at Other insurance before deciding on one. Reviewed on: 23rd March 2026

Worst insurance, didn’t receive reimbursement since...

Worst insurance, didn’t receive reimbursement since 1 month and no response. Never buy from them any insurance. Reviewed on: 9th December 2025

Bupa refusing to authorize treatment their own speci...

Bupa refusing to authorize treatment their own specialist wants to perform whilst the client is in severe pain and medically deteriorating by the day Reviewed on: 18th April 2025

Took my money yet I can't deal with account!

BUPA were more than happy to take my money for overseas visitor (visa 600) cover that the govt deems necessary, however they FAILED to tell me it dod NOT include repatriation. Further to this once I had paid for the insurance for my visitor, who does not reside in australia (obviously) and does not speak English, I was no longer permitted to deal with the multiple issues that arose as they became more and more specific about what information they required. VERY FRUSTRATING AND EXPENSIVE EXPERIENCE. Go with someone else!! Reviewed on: 17th April 2025

If I could give zero stars, I would.

If I could give zero stars, I would. Bupa has been charging me TWICE every month — not once, but two times — and apparently sees no issue with it. When I tried to get my money back, they promised a refund, but instead of a proper electronic refund (like literally every other business in the world), they insisted on sending a paper check. Welcome to the 1980s. It’s been over 3 weeks, and surprise: the check never arrived. This has happened more than once, and every time I reach out, I’m met with radio silence. No follow-up. No escalation. No refund. No one seems to give a single damn. The support is useless, the process is broken, and the attitude is basically: “We’ve got your money, now go away.” Honestly, it feels like I’ve been scammed by a company that pretends to be professional but can’t even handle basic billing or communication. Do yourself a favor — stay far away from Bupa. Once they’ve got your money, they’ll disappear. And if something goes wrong? Good luck ever getting it back. Reviewed on: 14th April 2025

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