Bupa By You
Direct-access cancer care and the UK's largest PMI book
Bupa By You is Bupa's flagship individual and SME PMI product. It is best known for its market-leading cancer cover — including full cover for licensed and (where clinically appropriate) some unlicensed drugs — and for Bupa's direct-access pathways that let members start treatment without a GP referral for certain conditions. Bupa owns and operates its own clinics, which can shorten time-to-treatment.
Strengths
- • Full cancer cover including biological and targeted therapies
- • Direct Access for musculoskeletal, mental health and cancer concerns
- • Bupa-owned clinics shorten the diagnostic pathway
- • Strong digital member experience
Watchouts
- • Premium tends to sit at the higher end of the market
- • Hospital lists outside the Guided Consultant network can be restrictive
- • Some Bupa products use Open Referral, which limits free consultant choice
Best for
Clients whose top priority is cancer outcomes and fast access to specialists — typically older clients, family policies, and risk-conscious SME schemes.
Underwriting
Moratorium and full medical underwriting; switch terms accepted from other major UK insurers subject to assessment.
Hospital network
Guided Consultant network, Extended network, and a Country/London option — used to flex premium against access to central London hospitals.
Comparisons
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Request a demoLast updated 18 May 2026