I have had Bupa’s ‘hospital care policy’ for about 18 years. It’s much cheaper than their full policy as it does not include outpatient Consultant appointments. It includes tests, so if during an initial Consultation the Consultant wants, scans, X-rays, bloods etc, they are all covered. Any procedure carried out (minor or major) is covered and there is £500 per annum for physiotherapy. Tests ordered by my GP with a report back to him, as opposed to a Consultant, are also fully covered.
The included cancer care is first class, includes all treatment, including outpatient care, even drugs that are not approved by NICE if there is evidence of their effectiveness and they’re recommended by an Oncologist. Likewise Cardiac and Stroke treatment. The price increases each year in line with their risk. As a 63-year-old none smoker, I pay £140 per month. This gives me real peace of mind.
Unfortunately, my husband, who I met 14-years ago, had developed diabetes before we looked at a price for him. It was much more expensive and due to pre-existing diabetes, it has the potential to rule out various claims for him as they could state they may be related to his condition. So he isn’t insured.