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Bupa - ClientChoice Plus

As part of Bupa's commitment to maximising the number of opportunities available to intermediaries, we have designed a low-cost PMI product that helps make private medical cover available to a wider range of individuals.

Available on a two-year moratorium basis or on fully underwritten terms, Bupa ClientChoice offers two levels of cover based around our existing BUPA LocalCare and BUPA LocalHospitalCare products. While the average price is 43% percent less expensive than BUPA LocalCare, both of the Bupa ClientChoice schemes offer an excellent level of cover including eligible heart and cancer conditions.

Bupa's ClientChoice products are tailored specifically for new business customers and are not appropriate for members wishing to transfer from another scheme, as they will be subject to the same underwriting terms as new members. Whilst we appreciate that this makes it unsuitable for intermediaries for whom the majority of personal business comes from ex-group sales, it does provide you with an excellent Bupa option to recommend when you find yourself engaged in new business conversations.

Bupa ClientChoice is the first Bupa individual PMI scheme to offer a no-claims discount and moratorium underwriting in the same product. It also offers a voluntary £250 excess; all of which help make Bupa cover more attractive, more affordable and easier to sell.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full cover in a Bupa partnership network hospital
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full cover in a Bupa partnership network hospital. Benefit limits apply if the consultant is not a Bupa partnership consultant
Physicians fees & diagnostic tests
	Full cover in a Bupa partnership network hospital
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full cover in a Bupa partnership network hospital. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant
Psychiatric treatment
	Up to maximum of 28 days by a Bupa recognised consultant (2 year rule and waiting periods removed with the ability to claim immediately, for a maximum of 3 membership years, up to the agreed benefit limits)
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Up to £250 per policy year with a Bupa recognised complementary medicine practitioner on GP or Bupa recognised consultant referral
Diagnostic tests (excluding scans)
	Full cover in a Bupa partnership network hospital
GP referred consultations
	Up to £1,000 per year combined out-patient benefit
Physiotherapy consultant referred
	Up to £1,000 per policy year combined therapy limit on GP or Bupa recognised consultant referral to a Bupa recognised therapist
Physiotherapy GP referred
	Up to £1,000 per policy year combined therapy limit on GP or Bupa recognised consultant referral to a Bupa recognised therapist
Psychiatric cover
	Up to £1,000 per policy year by Bupa recognised consultant (2 year rule and waiting periods removed with the ability to claim immediately, for a maximum of 3 membership years, up to the agreed benefit limits.)
Radiotherapy / Chemotherapy
	Full cover in a Bupa partnership network hospital, or for certain conditions a Bupa specialist treatment centre. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant
Scans - MRI / CT / PET
	Full cover for MRI, CT and PET scans in a Bupa recognised out-patient diagnostic imaging centre
Surgical Procedures
	Full cover for eligible surgical operations carried out as eligible out-patient treatment at a partnership network hospital Up to a total amount of £100 for eligible surgical operations carried out as eligible out-patient treatment at a non partnership network hospital
Key Facts - Additional Benefits
NHS cash benefit
	Not covered
Nursing at home
	Up to £600 per policy year following eligible private in-patient treatment
Parental accommodation
	Full cover when staying with a child under 12
Private ambulance
	Up to £120 per policy year £60 maximum for any one trip
Additional Benefits
Alcohol & drug abuse
	Discretionary subject to standard psychiatric cover terms
Annual maximum limit
	No annual maximum
Children covered
	21 years of age and unmarried (24 if in full time education)
Chiropractors & Osteopaths
	Up to £250 per policy year with a Bupa recognised complementary medicine practitioner on GP or Bupa recognised consultant referral
Dental treatment
	Oral surgery only
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Complications covered - provided the mother has been a member for 12 months. Includes caesarean sections which are medically necessary
Transplants
	For eligible transplant claims, benefits will be paid up to Bupa published benefit maxima. All transplant claims must have sufficient clinical reason and be pre-authorised with a Bupa clinical expert

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full cover in a Bupa partnership network hospital

Surgeon / Consultant / Specialist & Anaesthetists fees

Full cover in a Bupa partnership network hospital. Benefit limits apply if the consultant is not a Bupa partnership consultant

Physicians fees & diagnostic tests

Full cover in a Bupa partnership network hospital

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full cover in a Bupa partnership network hospital. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant

Psychiatric treatment

Up to maximum of 28 days by a Bupa recognised consultant (2 year rule and waiting periods removed with the ability to claim immediately, for a maximum of 3 membership years, up to the agreed benefit limits)

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Up to £250 per policy year with a Bupa recognised complementary medicine practitioner on GP or Bupa recognised consultant referral

Diagnostic tests (excluding scans)

Full cover in a Bupa partnership network hospital

GP referred consultations

Up to £1,000 per year combined out-patient benefit

Physiotherapy consultant referred

Up to £1,000 per policy year combined therapy limit on GP or Bupa recognised consultant referral to a Bupa recognised therapist

Physiotherapy GP referred

Up to £1,000 per policy year combined therapy limit on GP or Bupa recognised consultant referral to a Bupa recognised therapist

Psychiatric cover

Up to £1,000 per policy year by Bupa recognised consultant (2 year rule and waiting periods removed with the ability to claim immediately, for a maximum of 3 membership years, up to the agreed benefit limits.)

Radiotherapy / Chemotherapy

Full cover in a Bupa partnership network hospital, or for certain conditions a Bupa specialist treatment centre. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant

Scans - MRI / CT / PET

Full cover for MRI, CT and PET scans in a Bupa recognised out-patient diagnostic imaging centre

Surgical Procedures

Full cover for eligible surgical operations carried out as eligible out-patient treatment at a partnership network hospital
Up to a total amount of £100 for eligible surgical operations carried out as eligible out-patient treatment at a non partnership network hospital

Key Facts - Additional Benefits

NHS cash benefit

Not covered

Nursing at home

Up to £600 per policy year following eligible private in-patient treatment

Parental accommodation

Full cover when staying with a child under 12

Private ambulance

Up to £120 per policy year £60 maximum for any one trip

Additional Benefits

Alcohol & drug abuse

Discretionary subject to standard psychiatric cover terms

Annual maximum limit

No annual maximum

Children covered

21 years of age and unmarried (24 if in full time education)

Chiropractors & Osteopaths

Up to £250 per policy year with a Bupa recognised complementary medicine practitioner on GP or Bupa recognised consultant referral

Dental treatment

Oral surgery only

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Complications covered - provided the mother has been a member for 12 months. Includes caesarean sections which are medically necessary

Transplants

For eligible transplant claims, benefits will be paid up to Bupa published benefit maxima. All transplant claims must have sufficient clinical reason and be pre-authorised with a Bupa clinical expert


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