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BUPA: Health insurance reviews

Name: Health insurance
Rating: 1.43 (77 reviews)

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1.29

Based on 77 reviews, last reviewed 9th Dec 2025

No new 5 star reviews

in the past 90 days

100% increase 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

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

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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.

BUPA Health insurance reviews (77)

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

Worst healthcare insurer on the market

We had a terrible experience, lack of customer service. I had a medical done in Jan 17 and I'm still awaiting the report and I have chased over and over. In the end such a poor service I cancelled my direct debit. Bupa made the Nhs look good! Reviewed on: 30th May 2017

Be wary of your renewal date and excess being renewed!

I recently had an operation covered by Bupa. My excess was £200. Which I paid. I then started getting more bills through the door. I phoned Bupa and it was explained to me that my policy had been renewed and that meant so had my excess. I said I wasn't happy with this as I was assured previously that the only amount I would be paying was £200 for the procedure I was having and at no point did any of the customer service representatives mention that the policy was nearing renewal and that meant my excess would be reset. The cust rep I just spoke to told me I should have been told, but I wasn't. I had a couple of times when I was told the previous people I had spoken to either should have said something or shouldn't have. It seemed like a shambles. So now I'm stuck with having to pay another £200 even though everything was authorised before renewal and just because invoices were received just after my renewal date. If I had been warned about the excess reset, I could have asked the hospitals to try and get the invoices in before a certain date. But it was not mentioned in any of the many conversations I had with Bupa. I will be telling people to avoid Bupa. Reviewed on: 28th October 2016

Genuine caring company

In my experience BUPA really listens to health experts to understand what healthcare their clients need. I received medical help long-term and was told not to expect health insurance to cover long-term treatment, but BUPA worked with my therapist to understand what was the best way forward and they ended up covering the whole treatment. Reviewed on: 23rd September 2016

Trusted organisation.

Best service. Reliable brand. I switched from other health insurance to BUPA after the suggestion of my best friend. Found the service very fast and easy to get in touch with them, liked the service so much Reviewed on: 13th November 2015

Super customer service!

Super customer service!I am very happy with this health insurance and i want to thank you for attention and your super customer service. Everything was perfect and fast. Thank you! Reviewed on: 12th November 2015

Bupa Health Insurance is a very good insurance plan with lots of features and benefits, fast Medical hel, private ambulances, top rated hospitals, private rooms, more

Bupa has medical insurance plans which give you a complete medical insurance plan giving you peace of mind you will be looked after if you are ill or need an ambulance. Get the highest plan and benefit from full consultations, diagnostic tests, treatment, hospital in and out patient treatments pyschiatric, cancer, and heart cover, plus alternative therapies, and hospital cash plan. With BUPA you can also upgrade your monthly plan when you travel to Europe or other countries like the USA. Like this you can still be sure to be covered wherever you are, Reviewed on: 5th November 2015

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