Private Health Insurance for Addiction Treatment

Paying for residential addiction treatment is often one of the first practical considerations when seeking help. If you hold private health insurance with Bupa or AXA, your policy may be able to fund part or all of your treatment at Banbury Lodge, depending on your level of cover.
We work directly with both insurers and can confirm what your policy includes before any decisions are made, so you have a clear understanding from the outset.
Residential rehabilitation remains one of the most effective approaches for treating serious addiction. Time away from familiar environments, combined with structured daily therapy and 24-hour clinical oversight, gives recovery the best possible conditions to take hold.

Does Banbury Lodge accept private health insurance?

Yes. Banbury Lodge is recognised by both Bupa and AXA and can accept private health insurance for inpatient addiction treatment.
Cover varies depending on your individual policy, including the length of stay and level of funding approved. Our admissions team can review your details with you and confirm what is included before treatment begins.

How does Bupa cover work at Banbury Lodge?

If you have Bupa cover, the first step is an assessment with our Bupa-recognised psychiatrist. They will review your needs and submit the required paperwork directly to Bupa on your behalf.
Bupa will then assess the claim and confirm what level of treatment they can fund. Cover varies depending on your individual policy and its terms.
We work with all Bupa policy types and can help you quickly understand what your cover includes if you’re unsure.
All enquiries are confidential and handled by experienced admissions staff. There is no obligation to proceed, and no pressure at any stage.

How does AXA cover work at Banbury Lodge?

AXA members follow a similar process. You will be assessed by our AXA-recognised psychiatrist, who will complete and submit the required clinical documentation to AXA for approval.

Once AXA confirms authorisation, treatment can begin.

The level of cover depends on your individual policy. Our admissions team will guide you through each stage and explain exactly what is included before anything is agreed.

If there is a shortfall between AXA funding and the full cost of treatment, we will be upfront about this and talk you through your options so you can make an informed decision.

What does insurance typically cover?

Private health insurance for addiction treatment can vary considerably depending on your provider and plan. Common areas of cover include:

Cover for eating disorder treatment and co-occurring mental health conditions varies by policy. If these are part of your or your loved one’s presentation, please mention this when you call so we can check what applies.

What if my insurance does not cover the full cost?

If your policy covers part of the treatment cost but not all, we will explain the remaining balance clearly and honestly. We will never put you in a position where you agree to treatment without a full picture of the financial commitment involved.

For those without insurance, or where insurance does not apply, our admissions team can discuss self-funding options. Treatment costs vary depending on the length of stay and the programme, and all of this will be explained before you make any decisions.

How do I start the process?

The simplest first step is to call our admissions team on 0203 826 8381. The call is free, completely confidential, and available around the clock. We will ask about your situation, your insurance policy, and what you are hoping to achieve from treatment. From there, we will take care of the insurance checks and explain your options.

You do not need to have read your policy document before calling. You do not need to know your policy number. All you need to do is get in touch, and we can walk you through the steps.