Benefit
Notes
In-patient and day-patient treatment
Hospital charges
✓
In a BUPA Participating hospital in a room within
your scale of cover
Consultants’/specialists’ fees
✓
In a BUPA Participating hospital - BUPA benefit
limits apply if the consultant is not a BUPA
partnership consultant
Diagnostic tests
✓
In a BUPA Participating hospital
Radiotherapy/chemotherapy
✓
In a BUPA Participating hospital in a room within
your scale of cover or, for certain conditions, in a
BUPA specialist treatment centre. Benefit limits
apply if the consultant oncologist is not a BUPA
partnership consultant
Psychiatric treatment
Up to a maximum
After two years continuous membership
of 45 days per
and in a BUPA psychiatric network hospital.
year
Claims should be authorised before
treatment begins
Out-patient treatment
Consultation with a consultant/specialist
✓
With a BUPA recognised consultant
Diagnostic tests
✓
MRI, CT and PET scans in a BUPA specialist
treatment centre
Radiotherapy/chemotherapy
✓
In a BUPA Participating hospital or, for certain
conditions, a BUPA specialist treatment centre.
Benefit limits apply if the consultant oncologist is
not a BUPA partnership consultant
Radiotherapy (and other
Scale A – up
On a GP or BUPA recognised consultant
therapies)†
to £800 a year*
referral to a BUPA recognised therapist. This
Scale B – up
is a combined overall limit for all therapies
to £650 a year*
Scale C – up
to £500 a year*
Psychiatric treatment
✓
By a BUPA recognised consultant and only after
two years continuous membership. Claims should
be authorised before treatment begins
Additional benefits
Nursing at home
Up to £600 a year
Following eligible private in-patient
treatment covered by your scheme
Private ambulance
Up to £120 a year
£60 maximum for any single trip
Parent accommodation
✓
When staying with a child under 12 receiving
eligible private in-patient treatment, one parent
only
NHS cash benefit
Scale A - £30
Up to a maximum of 35 nights a year
a night*
for eligible in-patient treatment
Scale B - £25
a night*
Scale C - £20
a night*
Complementary medicine
†
Up to £250 per
On GP or BUPA recognised consultant referral
membership year
with a BUPA recognised complementary
medicine practitioner
* According to the scale of cover chosen
†
Please note that the benefit limit for physiotherapy (and other therapies)
includes the £250 available cover for complementary medicine)
Wide range of cover
Please note BUPACare covers eligible treatment of acute
medical conditions including:
●
surgery;
●
hospital accommodation and nursing;
●
diagnostics;
●
out-patient consultations and therapies;
●
treatment for cancer;
●
private hospital treatment following an accident
or emergency admission;
●
organ transplants;
●
injuries arising from dangerous hobbies; and
●
self-inflicted injuries.
3
Exclusions (See Section 3 of the policy membership
guide for full details).
There are a number of conditions and treatments which
BUPACare does not cover. Amongst these are:
●
conditions you had before your policy started
(commonly known as ‘pre-existing conditions’);
●
services you receive from your GP;
●
long-term illnesses which cannot be cured
(usually referred to as ‘chronic conditions’);
●
accident and emergency admission (although
BUPACare does cover any eligible hospital
treatment that you receive afterwards or you can
claim cash benefits for eligible NHS treatment);
●
treatment for conditions or symptoms arising
from physiological or natural causes (such as
ageing, menopause or puberty) or desensitisation
of allergies:
●
convalescence;
●
routine health checks or dental/oral treatment
(such as fillings and treatment for gum disease);
●
treatment relating to learning, behavioural and
developmental problems;
●
sleep-related breathing disorders;
●
overseas treatment or repatriation; and
●
intensive care, except when routinely needed
after private treatment.
Policy excesses (See Section 2 of the policy membership
guide)
You can choose to pay a policy excess, where you pay up
to the first £100, £150, £200, £250 or £500 of your
eligible treatment costs in any year and your BUPACare
policy will then pay the rest. The higher your policy
excess, the lower will be your subscription costs. The
excess is payable per person on the cover. Details of the
excess option that you have chosen is shown in your
registration certificate.
How long your cover will last
BUPACare is an annual contract that is renewed each
year and will continue until:
●
you stop paying subscriptions to it;
●
you cease to live in the UK; or
●
you die. (See Section 1.2 of the policy
membership guide)
BUPA has the right to make changes to the terms and
conditions of your cover on any annual anniversary date
after your policy has started or end the scheme.
(See Section 1.4 of the policy membership guide)
Where cover extends to dependants cover it may end at
a different date but will always end when the main
member’s cover ends.
Changing your mind
You can change your mind within 21 days of the day
when your policy starts or, if later, the day when you
receive your policy membership guide and your
registration certificate. If you decide, for any reason, that
you do not want your BUPACare policy after all, we will
give you your money back (however we may at our
discretion deduct an appropriate amount for covering
you up to the date of cancellation). (See Section 1.2 of
the policy membership guide)
