INTERNATIONAL HEALTH
INSURANCE FOR COMPANIES & GROUPS
WHAT IS COVERED?
Under the Company plans BUPA International provides the following cover:
- There is never an annual deductible to pay.
- All qualifying hospital treatment and accommodation bills paid in
full, up to the annual overall maximum per person.
- Emergency road ambulance cover is standard.
- Treatment for sports injuries is covered.
- Home nursing cover and Cash Benefit are also standard.
- Cover for chronic conditions as standard.
- Cover for out-patient consultations and treatments, including complementary
therapies such as homoeopathy is included with Classic and Gold.
- Maternity cover is available with Classic and Gold.
- Accident-related dental treatment is included with Gold.
In addition to these, other treatments and benefits may be covered depending
on the level of cover purchased. The table below provides a detailed comparison
of the benefits available for the different levels of Company cover.
WHAT IS NOT COVERED?
Certain medical conditions and treatments are excluded from cover under
BUPA International's Company schemes, for example conditions such as allergies
and cosmetic treatment. "Pre-existing" diseases are also excluded.
These are illnesses or injuries that new members have when they join,
or have suffered in the past and that may recur. This exclusion also includes
any symptoms or condition that is linked to a "pre-existing"
condition.
COVER IN THE USA
Optional cover for treatment in the USA is available. Please review Assistance
Cover Options for details. However, note that you will receive emergency
cover in the USA for 28 days as standard under the Company plans.
COMPARISON OF COMPANY PLAN BENEFITS
| BENEFITS |
 |
ESSENTIAL |
|
CLASSIC |
|
GOLD |
| Annual Overall Maximum Cover |
|
£500,000, US$900,000, €750,000 |
|
£750,000, US$1,200,000, €1,000,000 |
|
£1,000,000, US$1,600,000,
€1,500,000 |
| OUT-PATIENT CHARGES |
|
|
|
|
|
|
| Consultants’ fees for consultations |
|
Not Covered |
|
up to £3,000,
US$4,800, €4,500 each year (including vaccinations) |
|
up to £3,000,
US$4,800, €4,500 each year (including family doctor treatment
and vaccinations) |
| Pathology, X-rays and diagnostic tests |
|
|
|
Costs for treatment by therapists
and
complementary medicine practitioners |
|
|
|
Consultants’ fees and psychologists'
fees
for psychiatric treatment (after
two years’ membership) |
|
|
|
| Wellness - mammogram, PAP test, prostate and colon cancer
screening (after one year’s membership) |
|
Not covered |
|
£500, US$900, €750 |
|
£500, US$900, €750 |
| Out-patient surgical operations |
|
Full refund |
|
Full refund |
|
Full refund |
| MRI, CT and PET scans |
|
Full refund |
|
Full refund |
|
Full refund |
Cancer tests, drugs and consultants’
fees for oncology |
|
Full refund |
|
Full refund |
|
Full refund |
| IN-PATIENT CHARGES |
|
|
|
|
|
|
| Hospital accommodation, nursing care,
drugs and dressings |
|
Full refund |
|
Full refund |
|
Full refund |
| Surgeons', anaesthetists' and physicians' fees |
|
Full refund |
|
Full refund |
|
Full refund |
| Theater charges and intensive care |
|
Full refund |
|
Full refund |
|
Full refund |
| Pathology, x-rays, MRI, CT and PET scans, diagnostic
tests and physiotherapy |
|
Full refund |
|
Full refund |
|
Full refund |
| Cancer tests, drugs and consultants'
fees for oncology |
|
Full refund |
|
Full refund |
|
Full refund |
| Parent accommodation (staying with a child under 18) |
|
Full refund |
|
Full refund |
|
Full refund |
| Psychiatric treatment (after two years' membership) |
|
Full refund |
|
Full refund |
|
Full refund |
| OTHER BENEFITS |
|
|
|
|
|
|
| Emergency local road ambulance related
to day-case or in-patient treatment |
|
Full refund |
|
Full refund |
|
Full refund |
| Prescribed drugs and dressings each year, up to |
|
Not covered |
|
Not covered |
|
£600, US$960, €900 |
| Maternity each year, up to |
|
Not covered |
|
£3,000, US$5,500, €4,500 |
|
£5,000, US$9,000, €7,500 |
| Accident-related dental treatment each year, up to |
|
Not covered |
|
Not covered |
|
£400, US$700, €600 |
| Home nursing after in-patient treatment |
|
£100, US$160, €150
per night up to a maximum of 10 nights |
|
£100, US$160, €150
per night up to a maximum of 20 nights |
|
£100, US$160, €150
per night up to a maximum of 30 nights |
| Transplant services |
|
Paid in full |
|
Paid in full |
|
Paid in full |
| In-patient cash benefit |
|
£75, US$120, €110 per
night up to a maximum of 20 nights |
|
£75, US$120, €110 per
night up to a maximum of 20 nights |
|
£75, US$120, €110 per
night up to a maximum of 20 nights |
| AIDS/HIV including ART (after five years' membership) |
|
Not covered |
|
£10,000, US$18,000, €15,000 |
|
£10,000, US$18,000, €15,000 |
| Hospice and palliative care, up to |
|
up to £20,000, US$36,000,
€30,000 maximum benefit for the whole of your membership |
|
up to £20,000, US$36,000,
€30,000 maximum benefit for the whole of your membership |
|
up to £20,000, US$36,000,
€30,000 maximum benefit for the whole of your membership |
| Healthline (medical information and advice telephone service) |
|
Included |
|
Included |
|
Included |
| OPTIONAL COVER |
|
|
|
|
|
|
| Routine dentistry: Preventative (100% of treatment
costs) Routine (80% of treatment costs) Major Restorative (50% of
treatment costs) each year up to |
|
Not covered |
|
Not covered |
|
£600, US$960, €900 |
| OPTIONAL ASSISTANCE COVER |
|
Full refund |
|
Full refund |
|
Full refund |
All information provided in these pages is correct
to the best of our knowledge as a BUPA International Intermediary. Maritime
International Limited accepts no responsibility for any errors or omissions
that may be present. All information, pricing and exchange rates are subject
to change without notice. The only official documentation on your policy
and premiums is that contained in the policy issued to you by BUPA International
and is subject to the terms, conditions and exclusions set forth by BUPA
International. |
Global Insurance for Individuals
& Families
International Insurance for Companies
Recommended Links
|