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Earning Avios with Bupa – is it a good deal?

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I have looked at various partners recently, to see if you are genuinely getting a good deal when you use their services and earn Avios on the side. Click to read earlier posts on, Avios Cash Passport, Shell and Avios Recycling.

Bupa has partnered with Avios to offer bonus Avios points to anyone signing up for health insurance or a health assessment. The headline numbers of Avios earned do look attractive.

The ‘Bupa by You’ opens earn up to 9,000 Avios in year 1 with a further 4,500 Avios in year 2.  Cheaper plans earn less.

Health assessments offer up to 5,000 Avios with the ‘Advanced Health’ package – plus a 10% discount – down to 1,000 Avios for a ‘Fitness Assessment’.

It is difficult to make a judgement on the ‘health assessment’ options, except to say that it is not worth having one just for the Avios.

The ‘Advanced Health’ assessment – which I have actually had in the past via an employer, and it is a thorough check – has a list price of £752 for 2013, so 5,000 Avios is a drop in the ocean. A quick internet search also pulled up a few other special offers, although to be fair I couldn’t find one open to the general public that was better than the 10% discount plus Avios offered here.

Similarly, there is clearly no reason to sign up for the health insurance just for the deal. If you are a member of a professional body or group, you may find a better deal available through them.

(Ironically, I found that Bupa offers doctors a 20% discount on Bupa By You packages for their personal use, should they have no faith in the NHS.).

Experienced Avios collectors will already have thought: “Can I cancel after 1 month and still receive the Avios?“. The answer is no, as they are paid to you in monthly installments.

In conclusion …. if you are thinking of private health cover, you might as well include Bupa in your price comparisons. Given the high cost of cover and the number of Avios involved, though, it is unlikely to be a big factor in your decision.


How to earn Avios from UK credit cards (December 2023)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £12,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

SPECIAL OFFER: Until 9th January 2024, you will receive 30,000 Membership Rewards points (convertible to 30,000 Avios) with American Express Preferred Rewards Gold. You receive 25,000 points if you spend £3,000 in three months and a further 5,000 points if you hold the card for 15 months. You can apply here.

SPECIAL OFFER: Until 9th January 2024, you will receive a huge 100,000 Membership Rewards points (convertible to 100,000 Avios) with The Platinum Card. You receive 75,000 points if you spend £10,000 in six months and a further 25,000 points if you hold the card for 15 months. You can apply here.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 9th JANUARY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

Crazy 100,000 points (TO 9th JANUARY) and a huge range of valuable benefits – for a fee Read our full review

Run your own business?

We recommend Capital On Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

Capital On Tap Business Rewards Visa

Get a 10,000 points bonus plus an extra 500 points for our readers Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (5)

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This article is closed to new comments. Feel free to ask your question in the HfP forums.

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