Legal Notices and Terms of Use

We have provided this Site, to enable you to find out about Bupa, its businesses, and services. These terms of use (“Terms”) are provided to protect both you, the user of the Site, and Bupa, as its owner. If you have any questions about this, or any other aspects of our Site, please contact us.

Please read these Terms carefully before you start using our Site. These Terms together with any documents we refer to below set out the legal terms that apply to your use of our Site. By accessing and using our Site, you accept and agree that these Terms will apply to any use you make of our Site or any use you make of any materials, documentation or content posted or made available on our Site (including, but not limited to text, data, information, graphics, interfaces, logos, photographs, video and other media material made available) (together being ‘Materials’). Please note that, as we do not charge users to access or use this Site, we have set our liability in these terms accordingly.

Please note that these Terms relate to the use of the Site. If you purchase products or services from our Site, additional terms and conditions for those products and/or services will apply

Before you purchase your health insurance policy online please read the following terms and conditions and declarations which will apply to such purchase.
 
If you do not agree to these Terms, please do not use our site.

All rights not expressly granted in these Terms are reserved.

Where and to the extent that any section of our Site allows users to upload and/or post content or other information, then our Social Media Terms shall also apply to the use of and access to such part of the Site.

Bupa.co.uk has been designed to allow access by internet users. We welcome your feedback on any of the Material we post, either at the point of access or by emailing us at any time. From time to time some areas of our Site, such as Bupa job application pages, are password protected and access is restricted to particular users who have chosen to register their details with us. This is aimed, amongst other things, to protect the personal data that they have provided to us from public access.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures in relation to this Site, you must treat such information as confidential. You must not disclose it to any third party.
We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms of use or any other term or policy set out or referred to therein or otherwise on the Site.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us.
 

The British United Provident Association Limited is registered in England and Wales at Companies House under number 432511. Its registered office is at Bupa House, 15-19 Bloomsbury Way, London, WC1A 2BA. [Bupa’s VAT number is 2397316 41.

Private Medical Insurance cover is provided by Bupa Insurance Limited, a subsidiary of The British United Provident Association Limited.

Bupa Insurance Limited is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. The Financial Conduct Authority does not regulate the activities of Bupa Insurance Limited that take place outside of the UK.

Bupa Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.

Goldsborough Estates Limited is authorised and regulated by the Financial Conduct Authority.

The Financial Conduct Authority (together with details of its rules) can be found at www.fca.org.uk and the Prudential Regulation Authority (together with details of its rules) can be found at www.bankofengland.co.uk. Details of the rules and handbooks for both the FCA and PRA can be found at www.fshandbook.info/FS

The PRA and FCA regulation numbers of Bupa Insurance Limited and Bupa Insurance Services Limited are 203332 and 312526 respectively.

View the status disclosure form (pdf, 22kb) for Bupa

From time to time we may revise these Terms, and/or the other terms and/or notices set out on this Site by amending the relevant page and/or updating the terms or notices on it. Your continued use of our Site following the posting or making of any changes will confirm your acceptance of these changes and you should check to see if any changes have been made since your last visit.

We also reserve the right to change any of the content and/or Material on the Site from time to time.

Sometimes and possibly without notice, we may have to withdraw or suspend access to some or all of the Materials or pages available on our Site. This is often to allow us to maintain or protect our Site. Whilst we do not expect this to happen regularly, if it does, we apologise for any inconvenience that may be caused.

Please note, however, that we are not liable for any loss or inconvenience you may suffer should our Site or any of its content become unavailable at any time or for any period. We ask that you respect our Site and the right of other users to enjoy its Material. Your access is as our guest and in the event of any breach by you of these Terms, your right to use our Site will cease immediately.

Bupa is committed to providing equal access to our information. We want everyone to be able to view and navigate our websites effectively and easily. This website is designed to meet the level A criteria of the Web Accessibility Initiative WCAG 2.0 requirements. See the WAI website for more information.

Customising Bupa websites: Bupa website pages are designed so that you can change the style, size and colour of the font, and the colour of the background. If you wish to do so, please see the guides for some of the most popular web browsers below:

• Firefox 
• Internet Explorer 
• Google Chrome

Navigating Bupa websites: Our websites contain many links to useful information which are coloured to make them easily noticeable. When your mouse cursor hovers over these links, a short descriptive text box will normally appear. For non-mouse users and those that use screen readers, Bupa website pages can be accessed using your standard keyboard shortcuts and links are made as descriptive as possible.

Help with downloads: Our content may contain links to PDF files. You will need a PDF reader installed on your computer to open these. Most can be downloaded for free, e.g. Adobe Acrobat Reader (Windows or Mac), or Foxit Reader (Windows).As we continue to develop our website and Materials, we will work towards improved adherence to global accessibility guidelines. We welcome any feedback. If you have comments or questions, please contact us.

The design and layout of our Site and the Materials (defined above) posted on it attract and are protected by various legal rights. The law refers to these as Intellectual Property Rights (‘IPRs”), which include copyright and trade mark rights. We are the owner or the licensee of all intellectual property rights in our Site and in the Materials published on it, and we reserve all rights in the same.

Nothing in these Terms grants you any right, title or interest to any of the IPRs on, or within, this Site or any Materials on our Site. This is especially true of our ‘Bupa’ trading name and the ‘Bupa heartbeat’ logos which are registered trade marks of Bupa. Please note that you can enjoy the rights given to you under English law (e.g. making fair use of the Materials) and those rights set out below and we encourage you to share our Materials in the hope that they will help others to adopt a healthier lifestyle. However, we reserve our right to take any appropriate legal action required to protect or enforce our legal rights if you should seek to misuse or otherwise abuse our Site or any of the Materials in any way or if you infringe our IPRs in any way.

Please note that if there are any other laws outside the UK that attach to any of the Materials posted online or to the Site, we reserve our rights under these other laws accordingly. Please also be aware that you are responsible for obeying all applicable laws in any relevant jurisdiction relating to the IPRs subsisting in our Site and any Materials, especially if you are accessing our Site from outside the UK.

Bupa and/or its licensors are the owners of the copyright and database rights in this Site, except where specifically stated otherwise, including without limitation content data, design, graphics, text, images, software and underlying source codes. Bupa is the owner of all trademarks, service marks, trade names, logos and devices appearing on the Site, whether registered or unregistered, except where specifically stated otherwise.
 

If you see any Materials on our Site that you want to download, copy or share with others, or if you want to link to this Site, then please check carefully below to see the permissions we grant to bona fide users of our Site. Many pages on our Site are provided with functionality to share links and/or content to Facebook, Twitter, email and more than 300 other sharing services. In these instances specific permissions should have been set out. If it is unclear then please see the permission Terms set out below.

If you want to reproduce or publish any of our Bupa content in your own publication or website, you must always identify Bupa as the source of the extract copied and provide a link back to our Site. Linking to our Site is dealt with in the section set out below. Otherwise, you will not be authorised to use our Site or the Materials in this way or to link to the Site and may be in breach of UK IPR laws or other similar local laws outside the UK (see above) which could result in sanctions or legal action being taken against you.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all material respects with the content standards set out in these Legal Notices and Terms of Use and any documents referred to in them and in our Social Media Policy.

If you wish to make any use of content on our site other than that set out above, please contact us.

If you are permitted to and/or do print or download any Materials from our Site then please treat them with respect and do not change, edit, manipulate or deface the pages or other Materials printed or downloaded. Where you are permitted to use the Materials, you must always acknowledge us (or one of our contributors if that is the case) as the author of the Materials and state that you have sourced it from www.bupa.co.uk.

You should also inform any person you share Materials with that these Terms apply to them and that they must comply with them.

You must not use any of the Materials or otherwise link to or access this Site for commercial purposes without our consent.

If you are a bona fide member of the Press then use of these Materials (and others) is granted at our media centre.

Other websites, apps or resources may be available via a link from our Site and not all of these are owned or controlled by us. As such, before clicking a link to other websites, apps or resources please be aware that they may be subject to separate terms and conditions. Please carefully check these terms of use before accessing or using their content. We have no control over the content of any third party non-Bupa sites, apps or resources, and so cannot accept any responsibility for them or for any loss or damage that may arise from your use of them. In particular, it is the responsibility of the relevant third parties to ensure that such websites, apps and resources (and any related material) comply with all relevant laws and regulations. To the fullest extent permissible by law, Bupa excludes any and all liability for any third party content including, without limitation any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.

This Site, or other sites or apps may also enable you to enter into a contract with us or another Bupa entity for the supply of certain information, goods or services. Where this is the case, any contract made with you will be governed by the terms and conditions referred to on the relevant page of the site or on installation of the app in question.

This section applies in respect of any relevant Direct Debits.

This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

If there are any changes to the amount, date or frequency of your Direct Debit, Bupa will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Bupa to collect a payment, confirmation of the amount and date will be given to you at the time of the request.

If an error is made in the payment of your Direct Debit by Bupa or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.

If you receive a refund you are not entitled to, you must pay it back when Bupa asks you to.
You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

You must not attempt to gain, or allow others to gain, unauthorised access to our Site. Equally, you must not interfere or tamper with the normal operation or the security of any pages on our Site, or any other feature or part of our Site or add any unauthorised content or links to any part of our Site. We grant free access to our Site and only restrict access where we need to protect your or another individual’s right to privacy of their personal data. As such you agree not to, and shall not, hack or damage our IT systems, equipment or connected databases upon which our Site relies in order to operate effectively. If you, or someone else with whom you have shared your account details (if any), misuses our Site by knowingly (or otherwise) introducing viruses, worms or other harmful or malicious material then we reserve our right to report any such breach to the relevant law enforcement authorities and/or take such steps as may be required to protect our users and our Site.

Whilst we make efforts to try and ensure that any Materials available for download from our Site will be free from infection, viruses and/or other harmful code, we cannot and do not guarantee or warrant that it will be so. As a guest to our Site, please understand that you are solely responsible for implementing sufficient procedures and virus checks (including anti-virus, firewall and other security protection) on any system or equipment you might use to access our Site. As such, we are not liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Site or to your downloading of any material posted on it, or on any website linked to it.

Please note that we cannot accept any liability or responsibility for any reliance you, or anyone else who may be informed about or with whom you share any of our content, might place on any of the Materials. Any medical or other professional advice or information posted on our Site should be regarded as general information only and not a substitute for professional advice. You should always seek specific advice related to your circumstances from your doctor or other appropriate professional.

Whilst we may update the Materials on our Site, from time to time, this is not always possible or practicable. As such we do not give any guarantee or commitment that our Materials will always be accurate or up to date so do please check this before placing any reliance on the information freely provided.

Unless otherwise specified, the content and materials on this Site are directed solely at those who access this Site from within the United Kingdom mainland. The Bupa group makes no representation that any information, product or service referred to in the content or materials on this website are appropriate for use, or available, in other locations outside of the United Kingdom mainland. Those who choose to access this Site from other locations are responsible for compliance with all applicable local laws.

Unless otherwise stated, this Site is for information only. Bupa has aimed to use reasonable care and skill in compiling the content of this Site but makes no warranty or representation as to the accuracy of any information on this Site and Bupa shall not be liable for any errors or omissions.
Our Site may contain content featuring or graphically representing medical or surgical procedures, which are provided for educational or informative purposes only. If you find or are likely to find such images offensive please do not view them or if necessary click on the "Back" button at the top left hand corner of your screen or click on the "Home" link which appears as the first tab on the row of tabs towards the top of the screen. Given that there is such content on this Site, parents are advised not to allow their children to browse this Site. You should not access this Site if you are under the age of 18.

Bupa shall not be liable to any person for any loss or damage that may arise from their use of or reliance on any of the information, content or materials included in this Site including without limitation, indirect or consequential loss or damage, loss of actual or anticipated profits, loss of revenue, loss of business, loss of opportunity, loss of anticipated savings, loss of goodwill, loss of reputation, loss or damage to or corruption of data, loss of use of money or otherwise.
The information, content or Material contained on this Site is/are for information only and is not intended nor implied to be a substitute for professional medical advice nor is it intended to be for medical diagnosis or treatment, generally or in any given situation. You should seek specific professional or specialist advice before doing anything on the basis of any content found on this Site.

Material appearing on this Site may include advertising and other material submitted by parties other than Bupa. It is the responsibility of the relevant third parties to ensure that such material complies with all relevant laws and regulations. To the fullest extent permissible by law, Bupa excludes any and all liability for any third party content including, without limitation any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations.

Given the informational nature of our Site, relatively little information may be collected about our Site visitors. However, should any information be collected or processed about you , that will be done and carried out under and in accordance with our Privacy and Cookie Policy. By using our Site, you consent to this processing and warrant that all data provided by you is accurate. If you have any query or concern please contact us or do not use our site.

For more information about how we use cookies on our Site, please see our Privacy and Cookie Policy.

Our Site and all Materials are provided on an ‘as is’ and ‘as available’ basis. This means that there are no guarantees, conditions or warranties (express or implied) offered by Bupa, or the other members of the Bupa group of companies, or any third parties connected to us that any of our Materials will be:

• complete, accurate, up to date or error-free;
• available or uninterrupted;
• suitable for any particular purpose or capable of performing any function or providing any particular result; or
• free of viruses, contamination or destructive features.

To the extent permitted by law, we, the other members of the Bupa group of companies and all third parties connected to us hereby expressly exclude:
 

• all conditions, warranties, representations and other terms which might otherwise be implied by statute, common law or the law of equity; and
• all liability for any direct, indirect or consequential loss or damage incurred by any person in connection with our Site or in connection with or resulting from the use or inability to use our Site and/or any Materials and any websites linked to the Site or Materials including, without limitation, any liability for:

- loss of income or revenue
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time;

and however the loss in question arises and whether it is caused by tort (including,but not limited to, negligence), breach of contract or otherwise, and regardless of whether it was foreseeable or not.

If, in any way whatsoever, we are found to be liable to you for any damage or loss (including, without limitation, through negligence) which arises in any way out of, or is in any way connected with, your use of our Site or Materials or service, our liability shall not exceed the total of GBP50 (fifty pounds).

Nothing in this notice or in these Terms affects or excludes or limits Bupa’s liability for (a) death or personal injury caused by the negligence of Bupa or any of its employees or agents (b) liability arising from any fraud or fraudulent misrepresentation by Bupa or any of its employees or agents (c) any liability which may not be limited or excluded by applicable law.

If any part of these Terms and/or notices is or are deemed unlawful, void, invalid, illegal or for any reason unenforceable under applicable laws then that part will be deemed deleted and will not affect the validity and enforceability of the remaining parts. Any failure by us to enforce our rights or remedies under these Terms of use or otherwise shall not be construed as a waiver by us of those or any other rights or remedies.