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BUPA: Health Insurance reviews

Name: Health Insurance
Rating: 1.45 (74 reviews)

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1.27

Based on 74 reviews, last reviewed 14th Apr 2025

No new 5 star reviews

in the past 90 days

71% decrease in 1 star reviews

in the past 90 days

85%

Latest highest rating:

4

Bupa customer service I have Bupa with my employer, the services provider exceed that offered on the NHS. It is a bit complicated when first signing up but you get used to ... Read more Reviewed on: 24th August 2024

Latest lowest rating:

1

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. Wh... Read more Reviewed on: 14th April 2025

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About this product

BUPA offers two levels of cover: Comprehensive health insurance, or Treatment and Care health insurance. There are options to insure yourself as an individual, yourself and your partner, or your family. Policyholders can access a range of wellbeing rewards for fitness, nutrition and relaxation.

Before taking out a new health insurance policy, check out customer reviews. Our BUPA health insurance reviews can give you real peace of mind before signing on the dotted line.

Find out which level of cover customers chose and how satisfied they are with their selection. Learn more about the different conditions that are and aren’t covered to decide if it’s the right policy for your needs. Find out if policyholders have encountered any issues and how quickly BUPA has resolved these. Learn whether customers would renew their policies. Make an informed decision about your new policy by reading our BUPA health insurance reviews.

If you’re a BUPA customer, write an honest review on Smart Money People today. How long have you been with BUPA and how satisfied have you been so far? Which level of cover do you have and why? Have you encountered any illnesses or ailments that weren’t covered under your policy that you expected to be? Are you able to choose where you receive treatment and from whom? Have you ever redeemed any of the wellbeing rewards? Have you made a claim, and if so, how quickly was it paid out? Would you recommend the policy to your family and friends? Write a BUPA health insurance review today. Together, we can help people like you make better financial decisions.

BUPA Health Insurance reviews (74)

Review of the BUPA, Health Insurance:

WORST INSURANCE COMPANY I'VE EVER USED. PLEASE TAKE YOUR BUSINESS ELSEWHERE!

I am honestly so utterly disgusted with BUPA, the way they have treated me and the absolute lies they have told me. I am 49 and have been with BUPA for a large part of my life through private and company policies and chose to stay with them when moving from a company to private policy in April as they offered a continuation policy (apparently!!) I was quoted approx £80 per month and having had around 10 brain operations I thought was very reasonable. I was then asked if I had had any issues with my back such as arthritis and whilst I hadn't, I explained that I had fallen over on an icy travellator a few years ago and had 2 lots of injections in my back (which didn't work) and some physio but that there was no further treatment that I could have nor would be able to have (I had written proof of this) as I had been left with chronic pain and not a back condition. Bupa do not cover treatment for Chronic Pain but despite this they loaded my premium by 150% from £80 per month to over £200 per month, purely because of my back pain and told me that it would not be reduced again at any point, even though they could see that I was not and could not claim anything for it and that it would increase further every year with age etc I asked them to exclude my back if they were happier doing so, although I did not really see why it was necessary, but they refused, and despite there being recordings and written proof that the loadings were solely because of the fall and not my brain ops (the brain condition has now been cured), they then lied and started suggesting that it was to do with the brain ops after all to justify the huge increase. They also said that I was told it could be changed within the first 21 days of cover and they could have looked at excluding it, another lie as I was never told that. I pointed out that they had already told me it was not to do with my brain and I asked for an explanation as to why the loading was so huge. They then told me they don't have to explain that to me and if I wasn't happy I could seek cover elsewhere, which will obviously leave me with no cover for anything that is considered pre existing, such as any treatment relating to my brain should I ever need it again. This is only a snapshot of what has happened and the way that I have been treated by them but I can honestly say I have never been treated with such total indifference and lack of compassion by a company before. They have absolutely stitched me up and taken an additional £1500 from me this year for something that they themselves admit they do not even cover. I would urge you to go elsewhere for cover. My family are now cancelling their policies too and I will never ever recommend BUPA to anyone, indeed I would urge anyone looking for cover to take their business elsewhere. Reviewed on: 21st January 2021

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

Impossible to cancel policy which I had to take as a...

Impossible to cancel policy which I had to take as a visitor on a Visa when going to Australia. Can't cancel via online account, can't cancel via chat, can't cancel via mobile app, reaching them with a call almost impossible, have to wait on a line for 45min +....... So to put it shortly, absolutely customer unfriendly! Reviewed on: 11th April 2025

Look elsewhere

Just received my renewal for 2025 and has gone up over 900 a year day light robbery.Will definitely not be renewing will use WPA instead Reviewed on: 12th January 2025

OUTRAGEOUS INCREASES

My wife and I have been with BUPA for over 20 years.10 years ago our premium was £120 per month.Today the premium for 2025 is £1400 per month. I expected as we get older (73 and 71) that we will pay more but this is outrageous.If the same percentage increase is applied then in 10 years (You can do the maths) Reviewed on: 3rd January 2025

Taking their time for pre-authorisation

On the 09th of December i requested a pre-authorisation to see a nephrologist. My GP was concerned about dropping Glomerular Filtration Rate (GFR). Blood test that measures how well your kidneys are filtering your blood. He said to be safe he will refer me to a specialist. Kidneys is not something mess round with. I requested and online pre-authorisation from Bupa. They emailed me with non related questions seeing that the GP already gave a referral letter. I feel people asking these question must be medically trained. And I called Monday and still Bupa cant give me authorisation number yet or tell me when they will give me one. I feel this is playing with my health, and i am paying for private medical insurance for a reason. Same happened with my Wife and she got fed-up and went through the NHS route. She was assisted faster by the NHS before Bupa even had given her help. I am not happy with this low level of service Bupa offers. I feel this is unprofessional and terrible client service as this is quite serious to me. Reviewed on: 18th December 2024

BUPA should be investigated

I have a BUPA policy through my employer and was told by the agent that the treatment I had medically been assessed as requiring was covered by our policy but they were not going to authorise it due to the account team deciding so, even though the BUPA medical team saying it was covered. Complete scam. He advised me to make a formal complaint Reviewed on: 4th December 2024

Worst service and very slow at everything

Trustpilot reviews Thanks for your review! Bupa UK Insurance Add photo Your review is pending.Read more Homespun Andco 9 reviews GB Rated 1 out of 5 stars Not an easy straight farward medical insurance Had nothing but issues from the day I was covered. Trying to get seen by a specialist is like trying to see the Queen and the advisers on the phone is like speaking to school children I'm sure their uneducated in this field because I go round and round in circles with what I need to do. I wanted my 2 children reared for different reasons 4 weeks ago and still no further farward. Ask me to do so many different thing before they can get them sorted it's so confusing for a first timer here at bupa. Also my 4 month old hasn't got a passport so they have to verify it's him and me at the same time on video call every single time he needs an appointment how ridiculous is that. I'm on his birth certificate and I've verified my self surely this is all they need to verify him the once. Honest what a waste of time and money. The NHS are by far better. Always thankfull for the NHS and I don't pay them! What's the point in private medical insurance. Reviewed on: 19th November 2024

£186 a month for the worst service I’ve ever received

Only been with Bupa for 8 weeks and the first three touch points of the service have been horrific to the point I’m cancelling! I arranged a video appointment following a fall and hurt my shoulder. The appointment was spinning around, sat there waiting for 5 minutes and then got a call saying sorry we have issues today it’ll have to be changed. Next day I spoke to a physio and he put his recommendation forward. I then received an email saying I want covered as I had the injury 3 months ago, when it occurred 1 month ago. This was compounded by a letter confirming the physio advised them 1 month. So I then had to make a complaint to resolve. In being ‘resolved’ I’ve now been told I have to get a letter from the doctor advising I haven’t seen them about it. I took out privately health care as I haven’t got time to go to doctors, I raised the issue with Bupa who had sent a letter directly to my doctor advising of the appointment, yet they can’t write to the directly to ask this?? It’s very much when it suits Bupa!! I may as well go to my doctors and ask them to refer me, what am I paying £186 for Bupa, it’s an absolute joke! To make the matter worse, my wife was very worried about a lump that came up on her breast. When she spoke to Bupa they basically told her to visit gp as it would be quicker!! Bupa you’re a joke!!!!! On trying to raise the complaint further I was cut off the line and not been called back. I want to escalate my complaint Bupa, it’s the worst service I’ve ever experienced!!!!!!!!!!! Reviewed on: 13th November 2024

Dragged ping pong

My husband has seen dr Ramindar Dhillon for a nose treatment in January 2024. Dr D said that all his treatment is covered by Bupa, and so it was, until some point when we received at home an invoice from HCA, saying that my husband has to pay 100£ for a nausal cautery (which he doesn’t even remember to have undertaken). We contacted Bupa regarding this; they said the healthcare provider shouldn’t send any invoice to us, but contact the insurer directly. We contacted HCA; they said that this is an auxiliary bill which cannot be sent to Bupa, but has to be payed by the patient (even though the treatment is covered). We contacted Bupa again; they realised that HCA didn’t send them the 100£ invoice within 6 months of the treatment and that’s why they can’t pay anything until contacted by the healthcare provider. We contacted HCA again; they say that they actually sent the invoice to Bupa, but didn’t receive the money for it. Everything has been an annoying ping pong over several months. In the end, we had to pay the invoice to HCA, otherwise a third party would have been involved and the outstanding balance would increase. We don’t know who is responsible for the error (dr D and his team, HCA, Bupa), sure is that there have been many emails (from us, to them) without replies. We are still waiting it to be resolved, if it will be. Reviewed on: 11th November 2024

Waiting list longer than NHS

When my son received an NHS diagnosis of a very aggressive stage 4b cancer, he turned to his BUPA policy for speedy treatment. However, the earliest initial consultation was 6 weeks away. He wouldn't have lived that long! The NHS had all his tests done and treatment started before BUPA would have even seen him. I guess I don't need to say more. Reviewed on: 14th October 2024

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