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Out-patient treatments

Out-patient surgical operations Hide

Out-patient surgical operations are paid in full.

What is it?

This is surgery that requires you to stay in a bed in a hospital or a clinic during a single day and not overnight.

Wellness - mammogram, pap smear test, prostate cancer screening or colon cancer screening Hide

We pay up to £Sterling 500, $US 1000 or €Euro 750 each membership year, after one year's membership.

What are these tests?

Mammogram: routine imaging of the breasts to check for abnormalities.

Pap smear test: also known as the pap test, cervical smear or smear test, is a gynecological screening test to check for pre-cancerous changes in cells taken from the cervix.

Prostate cancer screening: this can take the form of a physical exam or a blood test and attempts to identify the presence of prostate cancer.

Consultants' fees for consultations Hide

We pay up to £Sterling 5000, $US 10000 or €Euro 8000 each membership year. This benefit amount is shared with 'Consultants' fees for consultations'.

What are these?

The charges made by a consultant, physician, surgeon or anaesthetist following treatment provided to you.

Pathology, X-rays and diagnostic tests Hide

We pay up to £Sterling 5000, $US 10000 or €Euro 8000 each membership year. This benefit amount is shared with 'Consultants' fees for consultations'.

What are these?

Pathology is the study and diagnosis of illness through the study of bodily fluids, tissues and organs. Common examples are blood tests and skin biopsies.

X-rays are used in radiography to generate images of the body’s structures in order to aid diagnosis.

Diagnostic tests can take various forms - examples include cardiovascular stress tests, electrocardiograms (ECGs) and spirometry (lung function tests).

Costs for treatment by therapists and complementary medicine practitioners Hide

We pay in full for up to 20 visits each membership year.

What is this?

Therapists: these can include occupational therapists, orthoptists, dieticians and speech therapists. They must be legally qualified to practice in the country where treatment is received.

Complementary medicine practitioners: these can include acupuncturists, homeopaths and Chinese medicine practitioners. They must be legally qualified to practice in the country where treatment is received.

Consultants' and psychologists' fees for psychiatric treatment Hide

This is available after two years’ membership.

We pay in full for up to 15 visits each membership year.

What are these?

Psychiatric treatment is the treatment of mental health conditions. Fees are the charges made by the consultants and psychologists for the treatment they provide.

Vaccinations Hide

We pay up to £Sterling 100, $US 200 or €Euro 150 each membership year.

What are these?

Vaccinations and immunisations provide immunity to disease and can often be carried out by your family doctor.

Examples are:

• travel vaccinations
• malaria tablets
• pneumococcal vaccinations
• vaccinations to aid the prevention of cancer, such as human papilloma virus (HPV)

In-patient treatment

Hospital accommodation Hide

Hospital accommodation is paid in full.

What is this?

The charges that relate to your accommodation as an in-patient. This includes the costs of occupying the hospital’s standard single room with bathroom (en-suite) and also includes your own meals and refreshments.

Surgical operations, including pre- and post-operative care Hide

Surgical operations, including pre and post-operative care are paid in full.

What is it?

A surgical operation is a medical procedure involving an incision into the body.

Pre and post-operative care are the medical services you may require immediately before and after surgery; see ‘nursing care, drugs and surgical dressings’ below.

Nursing care, drugs and surgical dressings Hide

Nursing care, drugs and surgical dressings are paid in full.

What are these?

Nursing care are the general services such as drug provision and wound care provided to you by nursing staff, often immediately before and after surgery and during your recovery.

Physicians' fees Hide

Physician fees are paid in full.

What are these?

The charges made by your physician, consultant or doctor for non-surgical treatment provided during your stay in hospital. For example, the treatment of pneumonia.

Theatre charges Hide

Theatre charges and intensive care are paid in full.

What are these?

Theatre charges are costs relating to your surgery. These could include drugs and dressings, equipment and fees for the use of the actual theatre room.

Intensive Care, intensive therapy, coronary care and high dependency unit Hide

These are covered in full.

What are these?

Intensive care is a suite of high dependency medical support services that are provided when someone is critically ill. These services are provided in intensive care units, intensive therapy units, high dependency units or cardiac care units.

Pathology, X-rays, diagnostic tests and therapies Hide

Pathology, X-rays, diagnostic tests and physiotherapy are paid in full.

What are these?

Pathology is the study and diagnosis of illness through the study of bodily fluids, tissues and organs. Common examples are blood tests and skin biopsies.

X-rays are used in radiography to generate images of the body’s structures to aid diagnosis.

Diagnostic tests can take various forms, but for example include cardiovascular stress tests, electrocardiograms (ECGs) and spirometry (lung function tests).

Prosthetic implants and appliances Hide

Prosthetic implants and appliances are paid in full.

What are these?

A prosthetic implant or appliance is an artificial body part which is designed to form a permanent part of your body and is surgically implanted. Examples are artificial heart valves, replacement lens or cornea of the eye and devices to remove excess fluid from the brain.

Parent accommodation Hide

Parent accommodation is paid in full.

What is this?

If your child is under 18 and is a Bupa International member receiving treatment for which he or she is covered under their policy for, we will pay for you to stay with your child in the same hospital. Please note we can only pay for one parent per night.

Psychiatric treatment Hide

This is available after two years’ membership. We pay for a total of 90 days’ psychiatric treatment in hospital during your lifetime.

What is it?

The treatment of mental health conditions via a variety of techniques including therapy, the prescription of drugs and pathology. We pay for a total of 90 days’ psychiatric treatment in hospital during your lifetime.

Further benefits

Advanced imaging Hide

Advanced imaging costs are paid in full.

What are these?

Examples are magnetic resonance imaging, computed tomography and positron emission tomography. They are modern imaging techniques that allow medical professionals invaluable and detailed views of the body’s structure and function.

 

Cancer treatment Hide

Cancer treatments are paid in full.

What is it?

If cancer is diagnosed, we pay fees that are related specifically to planning and carrying out treatment for cancer. Typical treatments include surgery, radiotherapy, chemotherapy and pathology.

Healthline services Hide

Access to our 24-hour multilingual helpline and MembersWorld website is included.

What is it?

A selection of services available to all of our members.

As a Bupa International member, you can call our Medical Centre at any time of the day or night and speak to medically trained people who understand your situation and can give you the healthcare advice, support and assistance you need.

We also have a team of expertly trained people ready to help with any general enquiries you may have. Our people come from many different cultures so, wherever in the world you may be, you can be sure of help from someone who can speak to you in your language.

To make your life easier and to save you time, we have created the exclusive MembersWorld website. You can:

• view your policy
• update your personal details
• track the progress of your claims
• make payments online
• search our international hospital directory
• download claim forms and other useful documents
• talk to us online using our free Webchat service

HIV/AIDS drug therapy including ART Hide

This is available after five years’ membership. We pay up to £Sterling 10000, $US 20000 or €Euro 15000 each membership year.

What is it?

The treatment of HIV/AIDS through planned drug therapy and Antiretroviral Therapy (ART).

Home nursing after in-patient treatment Hide

We pay up to £Sterling100, $US 200 OR €Euro 150 each day up to a maximum of 20 days each membership year.

What is it?

Home nursing is care provided immediately following a stay in hospital by a qualified nurse in your home.

Hospice and palliative care Hide

We pay up to £Sterling 20,000, $US 40,000 or €Euro 30,000 maximum benefit for the whole of your membership.

What is it?

When treatment can no longer be expected to cure your condition, we pay for your physical, psychological, social and spiritual care as well as hospital or hospice accommodation, nursing care and prescribed drugs.

In-patient cash benefit Hide

We pay £Sterling 75, $US 150 or €Euro 110 each night up to 20 nights each membership year.

What is it?

This is a cash payment made to you (instead of any other benefit) for each night you receive eligible in-patient treatment without charge. For example, if you received treatment at no charge from the National Health Service (NHS) in the UK. Please note that this benefit is not payable when related to normal pregnancy treatment.

Local air ambulance Hide

We pay up to £Sterling 5000, $US 10000 OR €Euro 7300 each membership year.

What is it?

We pay for you to be transported by local air ambulance (typically a medically-equipped and staffed helicopter or plane) when medically necessary.

Local road ambulance Hide

Local road ambulance costs are paid in full.

What is this?

We pay for medically necessary travel by local road ambulance (a medically-equipped and staffed vehicle) when related to eligible day-case or in-patient treatment.

Maternity cover Hide

Maternity cover is available after 10 months’ membership.

Maternity and childbirth

We pay up to £Sterling 4000, $US 8000 or €Euro 6000 each membership year.

Childbirth at home

We pay up to £Sterling 650, $US 1300 or €Euro 975 each membership year.

Medically essential Caesarean section

We pay up to £Sterling 10500, $US 21000 or €Euro 15750 each membership year.

Newborn care Hide

We pay up to £Sterling 75000, $US 150000 or €Euro 110000 maximum benefit for all treatment received during the first 90 days following birth.

What is it?

Treatment of an eligible condition is paid for with this benefit instead of any other benefit for all treatment required by a newborn child during the first 90 days following birth.

Prosthetic devices Hide

The maximum benefit we will pay towards a prosthetic device is £Sterling 2000, US$ 4000, €Euro 3000.

What is it?

We pay for a prosthetic device needed as part of your treatment. By this we mean an external artificial body part, such as a prosthetic limb or prosthetic ear. We will only pay for one prosthetic device per limb per adult, and we will pay for the initial and up to two replacement prosthetic devices per limb as required under the age of 16 years.

Rehabilitation Hide

We pay in full for up to 30 days of treatment each membership year, either when this is received in hospital or on an out-patient basis.

What is it?

Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke.

Transplant services Hide

Transplant services are paid in full.

What is it?

We pay medical expenses if you need to receive a cornea, small bowel, kidney, kidney/pancreas, liver, heart, lung or heart/lung transplant. We also pay for bone marrow transplants.

Optional benefits

USA cover Hide

What is it?

If this option is purchased, you gain access to our US Service Partner’s national network of hospitals, clinics and medical practitioners. Our Service Partner will help you arrange treatment within this network.

When eligible treatment takes place in the US using the US provider network, benefit is paid at 100 percent. When eligible treatment takes place in the US but outside of this network, benefit is paid at 80 percent.

Please note that all treatment must be pre-authorised, so contact us first to get peace of mind.

Dental treatment Hide

We pay up to £Sterling 1000, $US 2000 or €Euro 1500 each membership year.

What is this?

Our dental treatment option covers:

• 100 percent of preventive treatment (such as check-ups, X-rays, scale and polishing)
  
• 80 percent of routine treatment (such as fillings, extractions and root canal therapy)
  
• 50 percent of major restorative or orthodontic treatment (such as crowns, bridges or implants) and orthodontic treatment of overbite or underbite

Before receiving any dental treatment, please contact us via the MembersWorld website or call us on +44 (0) 1273 333 911 to ensure the costs will be covered by your plan.

Assistance cover (evacuation and repatriation) Hide

What is it?

Evacuation – if the treatment you need is not available locally, we will arrange for you to be evacuated to the nearest centre of medical excellence, no matter where you are in the world.

Repatriation – our highest level of assistance cover gives you the choice of returning to your home country (if treatment is not available locally) to be treated in familiar surroundings, near your family and friends.

Eligible costs associated with evacuation and repatriation services are paid in full.

Medical history disregarded Hide

Companies with more than 10 employees can ask for the medical history of their employees to be disregarded. Simply tell us when you apply for cover and we'll let you know how much it costs.

Tailored for companies with 100 members plus Hide

If you need to cover a group of 100 members or more, we can tailor a policy to suit your exact requirements.