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Worldwide Medical Insurance is the core of our Worldwide Health Options plan – every member gets this as standard. You can then choose from a range of add-on options to create a plan that’s just right for you.

What it covers

Worldwide Medical Insurance covers you for essential hospital treatment, whether you are admitted in an emergency or your visit is pre-planned, including:

  • consultation fees
  • surgery
  • cancer treatment
  • advanced medical imaging like CT and MRI scans
  • emergency dental treatment
  • staying in hospital


See the table below for a more detailed list of what's included.

The annual overall limit is GBP 1,500,000 / EUR 1,875,000 / USD 2,550,000

What it doesn't cover

Of course, there are some things that this plan doesn't cover - see below for more details of cover limits, and the exclusions page for what's not included under this plan.

You’ll find full details of benefits and limits in the membership pack.
 
          

Worldwide Medical InsuranceShow all

Staying in hospital overnight or as a day-case Hide
  • Room and board costs when staying in hospital overnight or as a day-case

Level of cover: paid in full

Parent accommodation Hide
  • Room and board costs when staying in hospital with your child

Level of cover: paid in full

Nursing care Hide
  • Nursing services provided in hospital

Level of cover: paid in full

Operating room, medicines and surgical dressings Hide
  • Operating room, recovery room, medicines and dressings used during your hospital stay when you have surgery

Level of cover: paid in full

Intensive care, intensive therapy, coronary care and high dependency unit Hide
  • Room and board costs when staying in hospital or intensive care, intensive therapy, coronary care or high dependency unit when required as part of your treatment

Level of cover: paid in full

Surgery, including surgeons', anaesthetists' and assistants' fees Hide
  • Includes operations performed whether staying in hospital overnight, as a day-case or as an out-patient

Level of cover: paid in full

Specialists consultation fees Hide
  • Meetings with or treatment by a specialist during your stay in hospital

Level of cover: paid in full

Pathology, X-rays and diagnostic tests Hide
  • Investigations such as blood or urine tests, electrocardiograms (ECGs) and X-rays used to help diagnose or assess your condition when you are in hospital

Level of cover: paid in full

Physiotherapy, chiropractor and osteopathy, therapists, complementary therapists, dietician and speech therapist Hide
  • Physical therapies including occupational therapy,  physiotherapy and complementary therapies if needed as part of your treatment in hospital

Level of cover: paid in full

Rehabilitation Hide
  • A combination of therapies aimed at either restoring full function or the ability to live independently

Level of cover: paid in full for 30 days each condition

Advanced imaging Hide
  • Diagnostic imaging such as magnetic resonance imaging (MRI) whether staying in hospital overnight, as a day-case or as an out-patient

Level of cover: paid in full

Psychiatric treatment overnight in hospital, including room, board and treatment costs Hide
  • Treatment of mental health problems, including eating disorders

Level of cover: 90 days lifetime limit

Psychiatric treatment as a day-case, including room, board and treatment costs Hide
  • Treatment of mental health problems, including eating disorders

Level of cover: paid in full for 20 days each membership year

Prosthetic implants and appliances Hide
  • An artificial body part which is designed to form a permanent part of your body, or is a medically necessary temporary part of your body

Level of cover: paid in full

Prosthetic devices Hide
  • An external artificial body part, such as a prosthetic limb or prosthetic ear. The initial device needed as part of your treatment

Level of cover: each device - GBP 2,000 / EUR 2,500 / USD 3,400

Childbirth and treatment in hospital Hide
  • Hospital charges, obstetricians' and midwives' fees for delivery and up to seven days' routine care for your baby, and pregnancy and childbirth complications. Available once the mother has been a member for 10 months

Level of cover: each membership year, up to GBP 6,500 / EUR 8,100 / USD 11,050

Childbirth at home or birthing centre Hide
  • Midwives' or other specialists' fees for delivery. Available once the mother has been a member for 10 months

Level of cover: each membership year, up to GBP 650 / EUR 810 / USD 1,105

Medically essential Caesarian section Hide
  • Hospital charges, obstetricians' and other  medical fees for delivery. Available once the mother has been a member for 10 months or more

Level of cover: each membership year, up to GBP 13,000 / EUR 16,250 / USD 22,100

Newborn care Hide
  • All treatment required during the first 90 days following birth for children covered under your plan. Newborn care benefits do not apply for children born as a result of assisted reproduction technologies, ovulation induction treatment, born to a surrogate or who have been adopted, as these children can only join once they are 91 days old.

Level of cover: GBP 75,000 / EUR 93,750 / USD 127,500

Cancer treatment Hide
  • Treatment you receive for or related to cancer, once it has been diagnosed, whether staying in hospital overnight, as a day-case or as an out-patient

Level of cover: paid in full

Transplant services Hide
  • Medical expenses for treatment in hospital, including donor expenses for organ harvesting if the recipient is a Bupa International member

Level of cover: each condition, up to GBP 150,000 / EUR 187,500 / USD 255,000

Hospice and palliative care Hide
  • Expenses following the diagnosis that your condition is terminal, when you can no longer have treatment which will lead to your recovery

Level of cover: lifetime limit GBP 20,000 / EUR 25,000 / USD 34,000

Local road ambulance Hide
  • Medically necessary travel by local road ambulance when related to covered hospitalisation

Level of cover: paid in full

Local air ambulance Hide
  • Medically necessary travel by local air ambulance, such as a helicopter, when related to covered hospitalisation

Level of cover: each membership year, up to GBP 5,000 / EUR 6,250 / USD 8,500

Home nursing Hide
  • Payable for home nursing immediately after you have had treatment in hospital which is covered under this plan

Level of cover: paid in full for 30 days each membership year

Hospitalisation cash benefit Hide
  • Payable for each night you stay in hospital for covered treatment, if you have not been charged for your room and board or treatment

Level of cover: GBP 100 / EUR 125 / USD 170 each night for a maximum of up to 30 nights each membership year

Emergency dental treatment Hide
  • Dental treatment in hospital after a serious accident requiring hospitalisation

Level of cover: paid in full

Treatment of congenital and hereditary conditions Hide
  • Treatment of congenital conditions (present at birth) or hereditary conditions (passed down through generations of your family)

Level of cover: each membership year, up to GBP 20,000 / EUR 25,000 / USD 34,000

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Getting in touch

  • Telephone

    Talk to us on:

    +44 (0) 1273 718 306