Bupa UK Insurance Reviews 42,092

TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 9,603 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the excellent service and the helpful, professional staff. Many people highlight the efficient handling of claims and the quick response times, making the process smooth and reassuring. Reviewers often mention feeling well-cared for and supported throughout their interactions, appreciating the personalized approach. However, some customers also noted issues with claims being rejected or not fully covered, particularly concerning pre-existing conditions or dental treatments. A few other people felt that accessing medical services or getting referrals could be slow, with some experiencing delays in receiving responses or appointments.

What people talk about most

Service

Clients share positive opinions on service, frequently highlighting efficiency and quick responses. Many... See more

Staff

Consumers find staff to be positive, highlighting their professionalism, helpfulness, and compassionate care.... See more

Customer service

Customers had positive experiences with customer service. Many reviewers found the agents helpful, clear, and... See more

Claim

Customers consistently note positive experiences with claim. Many reviewers found the claim process to be... See more

Response time

Reviewers mention positive feedback about response times, with many praising quick responses and efficient... See more

Reviews shaping this summary

Rated 5 out of 5 stars

My GP referred me to see an ENT (ear, nose and throat) consultant and I received a letter from NHS Lothian saying the average wait time is over 2 years!! Thank goodness I have a BUPA policy as was abl... See more

Company replied

Rated 5 out of 5 stars

Very efficient handling of the calls, one to deal with access to a pre-existing Bupa account, the other with a new claim for which they have organised an ALP the same day. All follow up emails and con... See more

Company replied

Rated 5 out of 5 stars

I had a medical concern and couldn't get an appointment with my GP as quickly as I wished. So I rang BUPA and arranged an appointment for that day with their GP facility. The doctor could not have b... See more

Company replied


Company details

  1. Health Insurance Agency

About Bupa UK Insurance

Written by the company

Bupa are one of the UK’s leading health insurance companies. Created in 1947, we are driven by a passion to provide high quality, affordable healthcare. Our purpose is to help people to live longer, healthier, happier lives and make a better world.

We cover healthcare, wellbeing and mental health support for individuals, couples, families and businesses. Alongside health insurance, we also have clinics, care homes and dental centres all over the UK.

At Bupa, our priority is our customers. We have no shareholders so all profits are reinvested into improving the health of millions worldwide.

We’re developing digital tools and solutions to help us achieve our goal of becoming the world’s most customer-centric healthcare company. Perfect for people with busy lifestyles to make it easier for you to book, manage and attend your appointments. You can also build and track your wellbeing plan and see a doctor 24/7, wherever you are in the UK using your computer or mobile device.

As a business we also have a global talent, innovation and sustainability programme called eco-Disruptive. Our goal is to find and support sustainable, scalable start-ups and innovative solutions that will improve people’s health and the health of the planet.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

42K reviews

5-star
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Rated 5 out of 5 stars

The on-line system was so easy to use

The on-line system was so easy to use, a few details needed, then upload the receipts, job done! An email to confirm receipt of the claim followed by confirmation and the amount to be paid. Smooth and seamless.

4 May 2026
Rated 1 out of 5 stars

Awful

Awful - I had to chase for her a month and then once someone responded they wanted me to pay my GP £60 to receive £100 - very stressful and unhelpful!!!!
I’m recovering from an emergency surgery - this is a waste of time!!!

6 April 2026
Unprompted review
Rated 5 out of 5 stars

Bupa support

Really professional and easy experience, spoke to a woman named Pia about authorisation for treatment, she made it very quick and was very polite. Would recommend :)

18 May 2026
Unprompted review
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We're so glad to hear you had a professional and easy experience. We appreciate your kind words about the quick and polite service you received.

Rated 5 out of 5 stars

First time user of BUPA

First time user of BUPA, which I have via my employer. I was very impressed with how quick and efficient everything was. I had a minor op but was still treated with the utmost care and attention and the whole thing was arranged in a matter of weeks. I am aware that I would have been waiting months for the Op on the NHS.

21 April 2026
Unprompted review
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We are delighted to hear about your positive first experience with us. It's wonderful that your operation was handled with such care and efficiency. Thank you for sharing your feedback.

Rated 4 out of 5 stars

First time User and it was painless.

This was the first time that I used the cashback incentive scheme provided by my employers.
I received a receipt from the pharmacist and followed the instructions that were very straightforward.
A few days later I received the requested amount back into my bank account.
I was very pleased with the speed and no extra worries once the form had been correctly completed.
I would recommend giving it a try. I will be using this service again soon.
Thank you in advance.

30 April 2026
Unprompted review
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We are so pleased to hear about your positive experience with our cashback incentive scheme! It's wonderful that the process was straightforward and efficient for you. We appreciate your kind words and look forward to serving you again.

Rated 5 out of 5 stars

I was very pleased with the time and…

I was very pleased with the time and understanding received.
Instead rushed, I could explain past and now issues, feeling that the doctor I have spoken to was listening and interested.

6 May 2026
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We're so pleased to hear you felt listened to and understood. We appreciate you sharing your positive experience with us.

Rated 5 out of 5 stars

Prompt, efficient service

There was no delay in authorisation. My involvement was minimal. They dealt with my consultant and approved the treatment extremely promptly. My consultant told me he is always relieved when it is BUPA, as they are the best to deal with when it comes to cancer treatment.

10 April 2026
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We are so pleased to hear about the prompt authorisation and minimal involvement needed for your treatment. It's wonderful to know we could support you efficiently.

Rated 1 out of 5 stars

Utterly appalling experience

Utterly appalling experience. Found a lump on my back, called Bupa who told me to get a gp referral. Got that and GP suggested an ultrasound scan - I’ve spoken to 8 people, including a follow on bupa healthcare professional, on the phone and lost count of emails sent and still nothing. Kicking the can down the road saying they need more information. They don’t, they have a GP referral, one of their healthcare people and eight other people’s notes on their system. No doubt the FCA will have a view on this too - escalating to the regulator. Avoid Bupa - a company going firmly backwards.

18 May 2026
Unprompted review
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We are sorry to learn of the difficulties you have experienced with your referral and the frustration this has caused. We've reached out for membership details so we understand what's happened. Many thanks

*Thank you for your details.
A complaint is with our Customer Relations team who will be in contact once they've reviewed your concerns.
I've asked for the complaint to be handled urgently.
Many thanks

Rated 1 out of 5 stars

The process is abysmal

Each time I try to access my healthcare with BUPA there are far too many steps to get the help you need, you realise it would have been better to access it via NHS.

First I saw a bupa GP via video call, then they asked me to arrange a face to face appointment, the face to face GP wanted to arrange scans (which on the NHS they are at liberty to do), but via BUPA they need to refer to a specialist first, the wait to book an appointment with the specialist is 6 weeks (no earlier appointments in my area), in the mean time I need to get my underwriting sorted by my NHS GP, fill out forms take it to them, then collect it, send it over and pay a charge of £90 which BUPA will reimburse only £50. And all of this, without a date of the scan yet as need the specialist to request and God knows how long I’d have to wait for the next available appointment which fits in with my schedule.

All these admin steps are stressful, confusing and unnecessary, especially when I went through a lengthy process to just RENEW my policy in December 2024, (hence why they needed an underwriting even though I’ve been with BUPA since 2020). This is not a one off, each time I’ve ever wanted to access something I loathe the whole process, especially with a full time job, family and new health concern.

If you think about it, the first time I considered to see a GP, I would have been better off seeing my NHS GP then waiting 6 weeks for the scan they would have requested, not this circus of quests forms admin appointments conversations and payments!!

18 May 2026
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We appreciate you sharing your detailed feedback regarding your recent experience. We are sorry to learn about the difficulties and frustration you encountered while trying to access care. A complaint has been raised which our Customer Relations team will review before contacting you. The team are available on 0345 606 6739 if you'd like to speak with them. Many thanks

Rated 5 out of 5 stars

Couldn't have expected more

The speed and actions taken following my initial diagnosis was very impressive. This is the first time I have found myself in such a potentially serious and unexpected situation and I feel I couldn't have expected more.

I am very pleased with the consultant I found and the speed and proficiency of all subsequent actions.

8 May 2026
Unprompted review
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We're glad to hear about your positive experience and that the actions taken following your diagnosis were impressive. We appreciate your kind words regarding the consultant and the subsequent actions.

Rated 5 out of 5 stars

Full team excellent

The receptionist was friendly and prompt, the dentist was very open and listened to my concerns. Even the staff I had no involvement with were walking around with a smile. It was an all round fantastic experience and I am not a fan of the dentist at all. Have recommended my wife to travel to use Durham Bupa also as they are a cut above the rest.

1 May 2026
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We're so pleased to hear about your fantastic experience, especially since you're not usually a fan of the dentist. It's wonderful to know our team made such a positive impression.

Rated 5 out of 5 stars

Everything gets explained clearly.

Everything gets explained clearly.
All questions get answered clearly.
Staff are always polite

16 April 2026
Bupa UK Insurance logo

Reply from Bupa UK Insurance

We appreciate your feedback and are so glad to hear that everything was explained clearly, questions were answered, and our staff were polite.

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