Bupa has launched Bupa By You as an innovative solution, offering what it says is the UK’s widest range of health and wellbeing options.
The plan has three core cover options:
- Comprehensive. As the name suggests, this offers the widest cover, including all inpatient, day-patient and outpatient treatment. Other benefits include NHS cash (max 35 nights a year, paying £50 a night or double for some cancer treatments), treatment at home, home nursing and private ambulance.
- Prompt Diagnosis. This plan only covers out-patient consultations, diagnostic tests and scans. It does not cover any treatment, but is designed to give fast access to quality diagnosis. Cancer Cover can be added as an option, as can Active or Fit and Active Cover (for fitness fans worried about becoming ill – the latter including an annual cardiovascular fitness check).
- Treatment and Care. This is almost the opposite – covering treatment but not diagnostics, and is designed to cover treatment and aftercare following an initial NHS diagnosis. Scan and Test Cover can be added as an option.
All plans include access to Bupa’s 24/7 HealthLine. Once the core plan is chosen, customers can then add Dental and Optical Cover, Travel and Emergency Medical Cover or Complementary Therapies Cover (acupuncture, osteopathy and chiropractic only). Cancer Assist can also be added – this is a form of critical illness insurance and pays £2,000 on diagnosis of a new cancer, up to once a year. The plan also includes Bupa’s extensive Cancer Promise.
Families can choose different cover levels for each family member. Three hospital bands are available – Essential Access, Extended Choice and Extended Choice with Central London. There is also a low claims bonus.
What They Say
Bupa Health & Wellbeing managing director Dr Natalie-Jane Macdonald said: “Bupa By You offers a step change in health insurance for customers in the UK. It gives a range of options designed to meet the differing needs of individuals and their families throughout their lives. It combines choice, affordability and Bupa’s great service.”
What We Say
"This is a different approach from Bupa and works well, although we thought some of the explanations and detail could have been expressed better.
"In essence, customers can choose how much or how little cover to have and even have the flexibility to cover other family members in different ways. The options look to make sense, although we suspect the Treatment and Care core plan will be the least popular option. One big disappointment though is that the new plan is apparently not yet available through intermediaries, only direct.
"If it becomes available, you will need to spend time becoming familiar with the various options and benefits, but Bupa’s huge market presence and reputation mean that should be time worthwhile spent. Overall, there is even enough here to appeal to potential clients who have not yet decided to take out PMI but it does need to be available through brokers if Bupa wants to keep intermediaries loyal."