Oil and Gas Gold

Summary of Oil and Gas Gold benefitsShow all

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.

Consultant fees for consultations Hide

What are these?

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

We pay up to £Sterling 3,000, $US 4,800, €Euro 4,500 per membership year, cumulatively for all of the medical services below:

• consultant fees for consultations
• pathology, X-ray and diagnostic tests
• costs for treatment by therapists and complementary medicine practitioners
• consultant and psychologist fees for psychiatric treatment (available after two years’ membership)

Pathology, X-ray and diagnostic tests Hide

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).

We pay up to £Sterling 3,000, $US 4,800, €Euro 4,500 per membership year, cumulatively for all of the medical services below:

• consultant fees for consultations
• pathology, X-ray and diagnostic tests
• costs for treatment by therapists and complementary medicine practitioners
• consultant and psychologist fees for psychiatric treatment (available after two years’ membership)

Therapist and complementary medicine practitioner treatment Hide

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.

We pay up to £Sterling 3,000, $US 4,800, €Euro 4,500 per membership year, cumulatively for all of the medical services below:

• consultant fees for consultations
• pathology, X-ray and diagnostic tests
• costs for treatment by therapists and complementary medicine practitioners
• consultant and psychologist fees for psychiatric treatment (available after two years’ membership)

Consultant and psychologist fees for psychiatric treatment Hide

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.

We pay up to £Sterling 3,000, $US 4,800, €Euro 4,500 per membership year, cumulatively for all of the medical services below:

• consultant fees for consultations
• pathology, X-ray and diagnostic tests
• costs for treatment by therapists and complementary medicine practitioners
• consultant and psychologist fees for psychiatric treatment (available after two years’ membership)

Costs for treatment by a family doctor Hide

What are these?

A family doctor is a person who is legally qualified in medical practice and is licensed to practice medicine in the country where treatment is being received. Depending on where you are in the world, your family doctor will likely operate from a local practice or clinic and may ask to be paid at the time of treatment. You can then claim back your expenses from Bupa International.

We pay up to £Sterling 600, $US 1,200 or €Euro 900 per membership year, cumulatively for the medical services below:

• prescribed drugs and dressings
• costs for treatment by a family doctor

Prescribed drugs and dressings Hide

What are these?

Items that are prescribed for you by your medical practitioner, for an eligible condition. These are distinct from medical items that can be purchased ‘over the counter’ without prescription such as some cough medicines and vitamin supplements.

We pay up to £Sterling 600, $US 1,200 or €Euro 900 per membership year, cumulatively for the medical services below:

• prescribed drugs and dressings
• costs for treatment by a family doctor

Emergency dental treatment Hide

We pay up to £Sterling 400, $US 700, €Euro 600 each membership year.

What is this?

Dental treatment which you require to alleviate pain, an inability to eat or an acute dental condition and which presents an immediate and serious threat to your general health.

Further episodes of emergency dental treatment are usually only eligible for cover when received within 14 days of your initial visit to the dentist.

In-patient treatment

Hospital accommodation Hide

Hospital accommodation is paid in full.

What is it?

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.

Physician 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 and intensive care 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 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 physiotherapy 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).

Physiotherapy is the treatment by physical manipulation using means such as movement, heat and remedial exercises.

Prosthetic implants, prosthetic devices and appliances Hide

Prosthetic implants, prosthetic devices and appliances are paid in full.

What are these?

A prosthetic implant, device 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.

Further benefits

Advanced imaging (MRI, CT and PET scans) Hide

Advanced imaging costs are paid in full.

What are these?

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

Local road ambulance Hide

Local road ambulance costs are paid in full.

What is it?

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 treatmentt.

Home nursing after in-patient treatment Hide

We pay up to £Sterling 600, $US 960 or €Euro 900 each day up to a maximum of 30 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.

Healthline services Hide

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

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

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

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

Optional benefits

Assistance cover (evacuation and repatriation - optional) 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.