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No. Bupa Well+ is a digital health subscription giving faster access to a GP and, with Silver, physiotherapy and mental health support. It doesn't cover specialist treatment, scans, surgery or hospital stays the way private health insurance does. It's a genuinely different thing to health insurance, not a cheaper version of it.

Bronze starts from £15 a month for remote-only GP appointments, or £20 a month including face-to-face appointments at Bupa clinics. Silver starts from £20 a month for a single adult, rising to £40 for two adults, £30 for a parent with children, or £50 for a full family, all payable monthly or as a lower annual price.

Only on the Silver tier. It includes up to 6 remote counselling sessions and up to 8 remote behaviour therapy appointments each year, delivered through the Bupa Blua app. Bronze doesn't include any mental health provision at all, it's focused purely on GP access and prescriptions, so it's worth specifically checking you've picked Silver if mental health support is something you're actually looking for.

You'd be referred back to the NHS, the same as if you had no cover at all. Well+ doesn't include specialist consultations, diagnostic scans, surgery or cancer treatment, it's built around everyday access to a GP and, on Silver, physiotherapy and mental health support. If serious illness is the risk you actually want to protect against, full health insurance is genuinely the product built for that, not a GP subscription.