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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:

THEY CAUSED ME HEALTH ISSUES

Everything you read below is TRUE! I am sat waiting for an appointment for two months and still have not been seen. Lord help me Reviewed on: 23rd July 2020

Money generated

This is only a money generated and only interested in moneymaker company. I and my wife have been members for 40 years or so. So believe me. I am finding it hard to type . Stick with the national health. I write from UCH hospital Reviewed on: 3rd November 2023

Avoid this company. Scammers

Have a long running complaint case with this company. Eventually was agreed a payment back. Then had to wait weeks and payment not sent.. complaint still open today. From 21 July 2023 Still waiting final payment. Rang today and put phone down Customer service zero Customer complaints zero Customer support zero Abilities to solve issues zero Abilities to distress Customer. And create mental stress. And financial loss. Will give five star Then chased Reviewed on: 26th October 2023

No Support For Mental Health

I have been a member for over 30 years and have found the utter decline has been beyond belief. I believe that BUPA is now the worst company in the sector by a mile. They are a disgrace and take peoples money for years under the false illusion that you can beat NHS queues which certainly now is not the case. My son was recently advised to see a psychiatrist and to my absolute amazement we could not get one through BUPA unless we where willing to travel, six hours to Scotland . They agreed that they could not help and offered me £100.00 which I don’t want. It’s not about the money , I just wanted help for my son which they could not offer because they are so far behind the times when it comes to dealing with mental health. Apparently they are not willing to offer psychiatrists the going rate so consequently can’t get anyone. I am taking this to the financial ombudsman and would love to hear from anyone who has had similar issues when it comes to mental health. This company cannot carry on taking peoples money under the false pretences that they are there to help when needed when in reality they don’t have the infrastructure. [email protected] Reviewed on: 24th September 2023

Bupa charged me for Pregnancy I am 69 years old

Bupa charged me - now 69 years old - for pregnancy and birth, weight loss surgery, etc Bupa has been charging me for five services that I do not need, or that I do not want, such as Pregnancy and Birth, and Weight Loss surgery. When seeking advice from Bupa on the 23rd December 2021 on the phone, I specifically asked for all unneeded or unwanted Extras and to be deleted. At no time during that conversation did the Bupa representative mention that there is another category called "Services" that includes 5 services that I do not need or do not want, such as Pregnancy and Birth. I recently learnt that as there is no fixed 'Contract', Bupa can legally do this. The onus is on me to read the fine print in the policy. However, I believe it is highly unethical of Bupa to charge a 69 year old for 5 "Services" that are not needed and/or not wanted. The Bupa representative should have told me in my phone consultation because the representative knew that I was seeking to lower the cost of the premium. Reviewed on: 8th September 2023

OK, but be careful of exclusions

I have Bupa health insurance through work, and they are OK, but be very careful about the exclusions, I've found several things I would fully expect to be covered are not because of many complicated exclusions. Also when you do request treatment you're left to find a doctor/consultant from their long list yourself, this is virtually impossible when you don't understand complex medical terms to know which doctor has the specialism you need (it took me several weeks to get an appointment lined up as I was passed around many places because of this) Reviewed on: 3rd September 2023

Just so effective

App interface easy to interact with, very efficient and very helpful customer service! Reviewed on: 24th August 2023

Worst health insurance

Do not recommend this insurance to any other people. Have been waiting for more than an hour for those idiots to pick up my call and cancel my insurance. Reviewed on: 28th July 2023

Could have been better

Everytime I made claim they couldn't help me. Reviewed on: 27th July 2023

Terrible patient experience on the GP service

Endlessly on hold with staff who seem unable to book am appointment. Spoke with a remote supposed GP who cannot prescribe my medication. Take your credit card details with no difficulty. Complete waste of money- avoid! Reviewed on: 14th July 2023

PLEASE READ

Bupa underwriters are the lowest of the low. Their policy is that it’s not pre existing if you’ve had no treatment within 5 years. I HAVE NEVER RECEIVED TREATMENT IN MY LIFE, ONLY THING RELATABLE IS FROM 2008 WHEN I DIDNT RECEIVE TREATMENT. Bupa: “but how do we know that your condition isn’t ongoing and you have actually been receiving treatment in the last 5 years.. you need to prove that you’ve been well since 2008” Me: “but there’s nothing in my medical history to say I have received treatment ever!” Bupa: “we need letter from your doctor to prove you’ve been well in the last 5 years” Me: “but if I’ve been unwell and received treatment in the last 5 years it would be in my medical history and on the form” Bupa: “but how do we know you’ve not received treatment..” And round and round we go.. So I’m guilty until proven innocent. How can I prove that a condition isn’t pre existing other than not having it in my medical records?? So any condition that I try to claim treatment for they can say, although it’s not in your medical records you need to prove you’ve been well in the last 5 years.. How do I prove wellness? Your doctor needs to say you’ve been well. Medical records show no treatment. Not enough. What?!! Bupa are a joke of a company. I will soon to be cancelling my policy and advising my company to switch all employees to an alternate provider. Reviewed on: 29th June 2023

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