Bupa Health Insurance

An independent review by our team of experts.

Review summary


Bupa, (British United Provident Association), was founded in the UK in 1947, with the aim of providing high quality health care services to the public.

Today, they are a leading provider of national, international and global health insurance plans, and deliver health care services through clinics, hospitals, dental centres and aged care service centres.

Bupa serves over 27 million people worldwide - with offices located in Australia, New Zealand, UK, Europe, Latin America and many other international markets.

In the UAE, their fronting partner is Oman Insurance Company (established in 1970), one of the leading insurance providers in the middle east.

Bupa provides international health insurance plans for individuals, families and businesses, and has access to 1.2 million medical providers around the world.

Individual and family plans

Bupa's individual and family medical insurance plans provide high quality service to premium consumers looking for the best medical service, anytime and anywhere.

Whether you’re an expatriate looking for health insurance in Dubai for example, or someone who regularly travels and needs worldwide coverage, Bupa will have a comprehensive health plan suitable for your needs.

Bupa is the preferred choice of those who wish to seek expert medical advice quickly, prefer to see doctors close to home, or fly to see specialists wherever they are in the world.

Bupa’s plans also cover cancer screening, mental health, dental and optical services that are otherwise charged as an extra by many other health insurance providers.

Plans provided for individuals & families:

Premier Health Plan

  1. Provides global health cover for expats up to $1.7M USD
  2. Includes personal wellness benefits for you and your children
  3. And health check-ups, vaccinations, eye and dental cover when a customer has completed 6 months with Bupa

Elite Health Plan

  1. Provides global health cover wherever you are, or wherever you choose to receive your treatment
  2. This includes dental, optical and home nursing
  3. Complementary services such as Reflexology are included
  4. And there is an extensive maternity package and cover for two children up to the age of 10, at no extra cost

Ultimate Health Plan

  1. Highest cover plan with no annual policy maximum
  2. Evacuation during non-medical emergencies such as natural disasters
  3. Suites at top hospitals
  4. Extensive maternity cover with unlimited access to scans, doctors, specialists and therapists
  5. Complementary treatment and genetic cancer screening
  6. Cover for 2 children up to the age of 16, at no extra cost

Business plans

In the UAE, Bupa Global with Oman Insurance Company (OIC) cater to the mandatory health insurance requirements of all companies – from SMEs to multinational corporations.

Bupa provides DHA (Dubai Health Authority) compliant plans.

They provide 24/7 customer support, and house a large team of multilingual staff to support the diverse population in the UAE.

Business plans include high quality service, and Bupa works with an organisation to reduce absenteeism through ill health.

Their dual focus is therefore on increasing productivity in the workplace, and supporting the holistic healthcare needs of an expatriate workforce in the UAE.

Bupa also includes a popular second opinion offer; it can provide reassurance that any diagnosis is the correct one. This is can be a very important tool, especially considering the amount of over-diagnosis in the UAE. Learn more on Bupa's website.

The online health insurance plan management tool allows employees to manage their own medical plans, thereby reducing dependencies on the HR and administration teams to manage employee claims and approvals.

Plans provided for businesses:


  1. Annual benefit of $1 M USD
  2. Regional Middle East countries only, and emergency cover worldwide excluding the US.
  3. No cover for out of network
  4. Prescribed Medicines $2,000
  5. Maternity $2,040
  6. Optional Dental add on up to $840


  1. Annual benefit of $ 4.7 M USD
  2. Regional Middle East countries, or worldwide excluding U.S., or worldwide including U.S.
  3. Emergency cover worldwide excluding U.S
  4. Prescribed Medicines $5,400
  5. Maternity $8,500
  6. Optional Dental add on up to $2,000


  1. Annual benefit of $ 13.4 M USD
  2. Regional Middle East countries or worldwide excluding U.S., or worldwide including U.S. 
  3. Emergency cover worldwide excluding U.S. 
  4. Prescribed Medicines Paid in Full
  5. Maternity Paid in Full
  6. Optional Dental add on up to $4,100


  1. Unlimited
  2. Worldwide medical and emergency cover
  3. Prescribed Medicines Paid in Full
  4. Maternity Paid in Full
  5. Optional Dental add on up to $7,250
  6. Genetic cancer screening
  7. Rehabilitation at a health resort for up to 30 days
  8. Non-medical evacuation in case of conflicts or natural disasters
  9. Compassionate emergency repatriation
  10. Refractive eye surgery - one surgery per eye for the whole lifetime

All the above business plans provide the following benefits:

  1. In and out-patient care
  2. Emergency evacuation
  3. Treatment for cancer and other serious illnesses
  4. Hereditary, congenital and chronic conditions
  5. Transplants and rehabilitation

For further information please refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • No need for referrals; Bupa offers direct access to doctors and hospitals globally
  • High quality global customer service
  • Established brand name
  • 40+ years of experience
  • Not for profit company with no shareholders, so invests profits back into improving the service
  • Providers extra screening other insurance providers don't
  • International plans have access to nearly every network in the world
  • Market leading second opinion services offered

The cons

  • Expensive
  • Don’t currently provide a mobile app
  • Very slow to react to market demands in the UAE
  • Not much Flexibility on SME plans and only 3 Individual plans
Which hospitals, clinics and pharmacies can I have access to if I am insured with Bupa?

Bupa provides a comprehensive list on their website.

Click here to access it.

How long does it take for a claim to be processed?

Generally the hospital would claim for the services on behalf of a patient. 

However, if you must submit a claim, it will depend on the type of claim.

You can call the toll-free number 800 4746 or the 24-hour multi-lingual helpline +44 (0) 1273 323 563 to follow up on your claim.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can review the claim on Bupa's website and call the toll-free number 800 4746 or the 24-hour multi-lingual helpline +44 (0) 1273 323 563

Customer reviews
Suitably flexible, excellent customer service

Following a complete deep dive into our EB offerings, the AES insurance team negotiated an exceptional contract with Bupa.

We have reduced our spend with intelligent adjustments in cover, and benefited from claims reduction via a staff education programme I thoroughly recommend (from AES)...

We had Tier 1 cover before with another provider - but Bupa came in with a better long-term offer.

We are 100% satisfied.

Expert verdict
Expert Assessment of Bupa

We’re very impressed with Bupa’s medical insurance plans and services, especially when it comes to their corporate plans for expatriates living in Dubai.

Bupa is one of the most prestigious insurance companies in the world, and they place great emphasis on delivering exceptional customer service, and developing their global medical network.

Bupa is non-profit, and therefore focus on reinvesting revenues to improve customer service and increase the overall quality of their health care and insurance provision.

Bupa is an excellent partner for companies, especially those with an international workforce, and especially as a health insurance provider in Dubai.

Dubai expatriates also have the option of continuing the same insurance policy if they leave the company they work for in the UAE, and move back to their home country, without underwriting any previous conditions. This is a big plus point as it gives Dubai expats a policy for life that saves them thousands of dollars in medical costs.

Another popular feature offered by Bupa is the ‘my second opinion’ on their portal.  Expats may find themselves misdiagnosed, and therefore have the option to submit their reports on the portal for a free second opinion from well-renowned specialists from all over the world.

Bupa may seem an expensive option for day to day use in the UAE, but they show their value when someone is really ill and needs expert support and care.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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