Bupa health insurance - how is my price calculated

Many factors can affect the cost of your
health insurance but these are the most significant. Advances in medical
technology, drugs and treatments help lead to improved quality of life and
recovery rates for many people. Funding these new treatments, plus increases in
the prices consultants and doctors charge, typically increases costs each
year. We work closely with doctors and hospitals to make sure these costs are
fair and provide you with value for money.

To be fair to everyone, age is one of the
things we use to calculate the cost of your policy. Health care costs are different around
the country and they also change at different rates each year, to make costs
fair to everyone. They're linked to where you live and to
the likely cost of treatments there. If you've claimed previously your price
may be higher than if you haven't.

If you have a product with a low claims
bonus or a no claims discount and haven't made any claims or only low
value ones, this may help reduce any price increase. Also the amount of excess you choose to
pay if you make a claim affects the price you pay. Typically the more excess you choose to
pay, the lower your price. Unhealthy lifestyle choices like smoking
for example, can also affect the cost of your health insurance.

It's important that you tell us about
these choices because if you don't it could affect the future claim. Or if you
stop smoking, then tell us. If you can prove that
you've been smoke free for a number of years this may reduce the cost of your health
insurance. At Bupa, we don't have shareholders to pay, we continue to invest in improving the
health care you get from us and we aim to set your price as fairly as we can..