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BUPA: Health insurance reviews

Name: Health insurance
Rating: 2.11 (81 reviews)

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2.11

Based on 81 reviews, last reviewed 15th May 2026

No new 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

86%

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

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 no... Read more Reviewed on: 15th May 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 (81)

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

AVOID AVOID AVOID!!!

Impossible to receive treatment. Tried to receive treatment for a mental health condition and they have refused treatment based one thing vaguely similar being in my medical history from 15 years ago. Their policy says something is pre existing if you’ve had treatment within 5 years. I had to wait weeks for my GP to fill in the form (and pay them) to say I’ve had no treatment at all in the last 15 years but now Bupa are asking for more info from GP. To prove wellness in last 5 years, even though there are no related records in my history in the last 5 years!? So they don’t trust or even understand their own pre treatment form! Basically there trying everything they can to try find a loophole to withstand treatment for me. This is the worst company I’ve ever experienced with in dealing with private medical care. If I had known how poor their service was I would never have signed up with them. Please please please do yourself a favor and choose a different provider. Reviewed on: 28th June 2023

Absolute crap

Absolute crap. Absurdly hard to navigate app Bupa Touch that makes you open a separate app Babylon. Try to schedule a call consultation, takes all your info..confirms... then no one ever calls. You try again and you're asked to pay....You give up and call...but wait...their phone lines are limited or closed depending on the day. Forget Sunday. And when they are opened prepare to wait a LONG LONG time. We pay for this!??? Why is it impossible to get BUPA to answer the phone? - the worst customer service. Reviewed on: 7th May 2023

Incredible incompetence

We became Bupa customers by default when IHI (our insurer) was bought by Bupa. A few years after that, Bupa took over the customer service for we former IHI members. It was a nightmare. IHI customer service staff are empowered, switched on, problem solvers, team players with their colleagues and well trained -- Bupa UK customer service basically just answer the phones (not our questions) and would email us incorrect answers which meant we had to follow up again and again. Different departments in Bupa don't work together well, (or at all) and no one person takes responsibility so you are constantly in a merry go round of explaining the situation to the next person who answers the phone. Bupa even offered us $ (just a few hundred) as apologies for some of their errors. And for some reason Bupa are still sending us emails informing us that "document(s) are now available to view on MembersWorld, your dedicated self-service portal:", when we clearly no longer have access to MembersWorld since we are no longer "members"! Ridiculous and laughable, except that it cost us so much time and energy to communicate with them and get them to do their job-- while at the same time we had a family member in hospital. IHI was amazing and Bupa is a nightmare that I suggest you avoid. Reviewed on: 30th April 2023

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