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BUPA: Health Insurance reviews

Name: Health Insurance
Rating: 1.47 (70 reviews)

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1.34

Based on 70 reviews, last reviewed 18th Dec 2024

No new 5 star reviews

in the past 90 days

500% increase in 1 star reviews

in the past 90 days

84%

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

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). Bl... Read more Reviewed on: 18th December 2024

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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 (70)

Review of the BUPA, Health Insurance:

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

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

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 the process and the customer service teams can explain well Reviewed on: 24th August 2024

cheaper than AXA but also much worse

cheaper than AXA but also much worse - you really do (or do not in this case) get what you pay for. i have been with axa for many years and had a number of claims from big to small and the service and ease with which you deal with axa was (looking back) the gold standard from my perspective. but, looking to economise, i thought i would switch to bupa - seemed the same on paper, and i had not heard anything overtly bad. booking a gp appointment with the app was "ok" at best - really lousy app design and disjointed but got there in the end. but i will share the exact experience which has made me start the process of switching back to AXA. - son had a breathing problem for which GP made a referral and used the phrase "problem had been going on for a long time" (using my son's words) - BUPA stated this is "pre existing" as the wording "long time" was used and i needed a letter from my own GP stating my son had no pre existing conditions - i then got this letter (paid for by myself) and sent along to BUPA - they then reviewed this letter and decided to disregard it, reverting back to the original and saying this is considered pre-existing - i was then asked for ANOTHER GP referral explicitly stating when symptoms started - using BUPA's own GP i had ANOTHER appointment and then obtained a referral explicitly stating symptom start date and sent along thinking this should be the end. - BUPA rejected this third letter (even though it was from a GP in their own network) referencing the first letter saying they consider this to be pre-existing. obvious questions... why ask for me to pay for a pre-existing medical conditions statement when it was going to be disregarded? why ask me to get a second referral (from their own GP) if it was going to be disregarded? if they cannot trust a referral from THEIR OWN GP, what is anyone to do? how will the GP feel when i inform them (which i will) that their professional medical opinion is being ignored? since then, i have booked and paid for my own appointment as i don't have the time to waste with BUPA. i have also started the process of going back to AXA where i have used their claims process for more minor issues than this (mild rash and seen a skincare specialist also for my son). i am sure BUPA are great when there are serious black and white problems that obviously cannot be classified as pre existing (but i am sure they would try). however, be warned, if you have something a little less clear cut (especially with children it would seem) such as my case, you are probably in for a bit of a scrap with BUPA to get coverage as it seems they will do WHATEVER they possibly can to make this as difficult or impossible for you. sadly, in this case they have won as i don't have the time to waste with them anymore. i am fortunate that i can cover this out of my own pocket, but if you are not, then I STRONGLY suggest that when working with BUPA make sure you tell whatever GP to be crystal clear and water tight in any referrals and try to eliminate any possibility for BUPA to push back on the claim. hopefully, someone finds this disappointing and cautionary tale useful Reviewed on: 24th July 2024

Every time I call them, I have to mentally prepare m...

Every time I call them, I have to mentally prepare myself for a fight because they seem unwilling to provide you with cover for anything Reviewed on: 2nd April 2024

Just cancelled my membership as the customer service...

Just cancelled my membership as the customer service is terrible. It took me over 6 months just to get reimbursement on a claim that I should not have paid due to being misinformed by a Bupa agent. I then spent several hours on several different occasions chasing the payment as the customer service reps kept giving me incorrect information. Very very disappointed and glad I cancelled! Reviewed on: 29th February 2024

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