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BUPA: Health Insurance reviews

Name: Health Insurance
Rating: 1.43 (76 reviews)

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1.26

Based on 76 reviews, last reviewed 18th Apr 2025

No new 5 star reviews

in the past 90 days

43% 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

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

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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 (76)

Review of the BUPA, Health Insurance:

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

Impossible to make a claim

Rude, unhelpful and will do anything to avoid you being elligible for treatment. Not worth it Reviewed on: 8th August 2022

Avoid them

The staff is consistently rude, access to healthcare is unnecessarily bureaucratic and complicated, and I've been on the receiving end of so many issues on their part that I've decided to not continue coverage with them. The waiting times for private medical care are also increasingly long, and I've had a shorter wait on the NHS recently, which is saying something. Reviewed on: 5th August 2022

Very Poor

I have tried to claim for the first time after 2 years and have been met with a host of lame excuses. They also appear short staffed and proudly announce they do not have to investigate complaints for up to 8 weeks; which could be terminal for some. Reviewed on: 29th July 2022

terrible service. System is a fraud

Worst service ever. I had my mother in law applied for an overseas health cover as she was planning to come back to Australia as a tourist. Bupa deducted 170 aud the following day without her membership being finalized yet. Unfortunately we found out that her visa has been invalid. Bupa refused to give refund even though her cover wasn't supposed to start on the day of her arrival. I wish I've read other reviews first before proceeding with them. Reviewed on: 3rd June 2022

Inexperienced and rude service

I been to the health assessment which costs £c700, the practitioner is untrained, and he couldn’t took the blood out and make me feel pain and left big bruise on my arm. Then they wasted all the time and didn’t carry out the assessment but still charged fees. Never to go to BUPA, the worst health Center you will experience Reviewed on: 18th April 2022

Dental injury definition

Bupa`s interpretation of their own guidance documents are biased in their favour and totally contradict the definitions of the British dental association in relation to dental injury. I have exhausted their appeal process .Another disappointed customer who will advice their employer that the works scheme provides unreliable cover. Reviewed on: 2nd April 2022

Impossible to get approval for even a consultant to look at you

They ask you to have a call with their Babylon GP who is useless. Then when you get the referral, you still have to go through your GP to get paperwork sorted before you can book something. WIth other insurance companies it was much simpler Reviewed on: 16th March 2022

Mis Selling Health Insurance

When taking out my insurance, I went for a top level, comprehensive cover, However, during my policy time it was discovered that I had primary lymphodema in my arm, which is unusual to come to light when middle aged without any prior indication. As it was stage 1 and the condition was not chronic yet, , I was eligible for an operation at the Oxford Lymphodema practice. BUPA did not want to pay for the operation saying that they do not cover chronic conditions. I was not made aware of that when signing up, as of course I did not have a chronic condition at the time. BUPA opts out of all chronic diseases in their terms and conditions in their small print and only then includes mainstream chronic diseases, such as cancer after, That was not made clear and I personally had to pay over 16k to have the operation. The hospital gave me 6 months to have the operation otherwise I would have to be re assessed. BUPA had a very bad complaints procedure, did not come back on time with responses and was generally very unhelpful and unsympathetic to my situation. To add insult to injury, Bupa increased my fees by 2k on renewal of the policy Reviewed on: 24th January 2022

Highly unprofessional and complete rip off

As a health professional, I have seen many of my customers not being given what they are entitled to claim from Bupa, a lot of times their claims get rejected for no reason and when you get on phone to them they keep you on hold for hours and then just keep transferring you to someone else and some of them are even extremely rude and unprofessional. My latest experience was with one of my customers who was quite old and on top cover paying more than $300 a month got her claim rejected for no reason and as she was not into technology and didn't have an email address, I tried to help her by calling Bupa on her behalf and got a very rude person (after being put on hold for more than half an hour) who did not help or give any information even after explaining the situation. Wouldn't recommend Bupa to anyone I know. Reviewed on: 12th November 2021

Always evading claims

It took me a month to get the claim rejection overturned. BUPA has no idea on medical conditions. Only after getting evidence from the consultant and after having our company HR apply pressure, and providing 20pp of published evidence did BUPA pay the claim. Even then they refused fault. Reviewed on: 20th October 2021

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