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Review of the BUPA, Health insurance:

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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 note in my GP’s questionnaire). I tried to explain that the current injury is very different but they stated that the shoulder and the back are connected so they declined it. I asked to speak to a manager but it takes 4 days for a manager to revert, and only if the Manager feel that they have case to answer. As an example, BUPA said that if you break your leg at aged 5 and have no problems until you are 60, when you break your leg again, then your claim will be denied as it is a pre-existing condition. I tried to explain that even in that example, it is not an existing "condition". They reiterated that it is pre-existing - Ridiculous response! It’s almost as though the staff are programmed to reject claims. Reviewed on: 15th May 2026

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