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Bupa

Bupa (British United Provident Association)

88.1Score

★★★★☆4.5

Customer satisfaction · 31.0M members

Defaqto: 5 Stars(2026)MyTribe: #1 Ranked (91.4%)(2026)Trustpilot: 4.5/5(2026)Which?: 71% Claims Service(2026)

Bupa is the largest and most recognized private health insurer in the UK with 31 million customers worldwide. A not-for-profit provider, it scores 91.4% on MyTribe (ranked #1), holds a Defaqto 5-star rating, and is noted for market-leading mental health cover with no cap on long-term treatment.

Overall Score

88.1/100

Founded

1947

Headquarters

London

Type

private

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Key Metrics

Defaqto Rating

5 stars

Monthly Premium

From ~GBP 42/month (age 30)

My Tribe Score

91.4% (#1)

Mental Health Cover

No cap on long-term treatment

Editorial Ratings

Defaqto: 5 Stars(2026)

Rating: 5 stars (Bupa By You Comprehensive) (max: 5 stars)

100Defaqto

MyTribe: #1 Ranked (91.4%)(2026)

Rating: 91.4% — #1 ranked (max: 100%)

91.4MyTribe

Trustpilot: 4.5/5(2026)

Rating: 4.5/5 (41,937 reviews) (max: 5/5)

90Trustpilot

Which?: 71% Claims Service(2026)

Rating: Claims Service: 71% (2nd place) (max: 100%)

71Which?

Coverage Highlights

✓Market-leading mental health cover — no cap on long-term treatment
✓Owns and operates Bupa hospitals and clinics (Cromwell Hospital, etc.)
✓Face-to-face private GP access included
✓Dental allowance included in comprehensive plans
✓80,000+ employees globally with extensive provider network

Pros

✓Strongest mental health coverage of any UK insurer
✓Not-for-profit structure aligns with member interests
✓Owns healthcare facilities (hospitals, clinics)
✓Face-to-face GP access, dental allowance included

Cons

✗Combined outpatient allowance reduces flexibility
✗Not the cheapest option
✗Claims process can be complex for certain conditions

Frequently Asked Questions

Is Bupa a not-for-profit insurer?

Yes. Bupa has no shareholders — all profits are reinvested into providing better healthcare services and member benefits.

How much does Bupa private health insurance cost?

Bupa PMI starts at approximately GBP 42.16/month for a 30-year-old and GBP 110.15/month for a 60-year-old (2026 estimates). Costs vary by age, location, and coverage level.

Does Bupa cover mental health treatment?

Yes. Bupa offers market-leading mental health coverage with no cap on long-term mental health treatment — the best in the UK PMI market.

Does Bupa own hospitals?

Yes. Bupa owns and operates hospitals and clinics including the Cromwell Hospital in London, providing integrated healthcare services.

Quick Summary

InsurerBupa

Country🇬🇧 United Kingdom

Overall Score88.1/100

Satisfaction4.5/5

Members31.0M

Typeprivate

Founded1947

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