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Bupa - Select

Bupa Select has been enhanced based on feedback from intermediaries, small and medium businesses. Our customers liked the choice of cover available, but at times felt they were having to make a few too many decisions.

To improve Bupa Select and make it easier for you to sell, we have developed three tiers of cover to choose from – all with reassuring benefits so that your clients can make a quick and easy decision about what is right for the health of their business.

All the comprehensive benefits of Bupa Select have been maintained; just the choices have been simplified. What’s reassuring for your clients is that all three tiers include extensive cover for diagnostics, in-patient and out-patient treatments. Plus we have kept our underwriting options, pricing structure and cost-saving options the same – so you can still match the cover to suit your client.

New The Six Week scheme (G) - WEF 1st April 2011
Treatment, if available, will be within six weeks of the recommended treatment date at an NHS hospital. If
the NHS waiting list is longer than six weeks, eligible treatment will be at a Bupa approved private hospital

Bupa Select is made up of an extensive core of health cover benefits and a suite of options that lets you adjust cover to match your clients requirements. This means that we can design a solution to suit your clients needs and help to provide the most suitable cover for their employees at every level of their organisation.

Bupa Select offers company health insurance that can be tailored for a business of 2 to 250 employees. If you're looking to cover more than 250 employees view the details of health cover for large businesses.

Bupa Select core cover offers:
£1000 towards out-patient consultations, treatment and diagnostic tests, including £250 towards complementary medicine

full refund for in-patient and day-patient hospital charges and accommodation in a Bupa Partnership Network hospital.

* extensive cancer cover – funding for cancer treatment at every stage
* up to 45 days of psychiatric treatment¹
* private ambulance charges – up to £80 per trip
* £50 NHS cash benefit to cover each night in an NHS hospital †
* Access to Bupa’s 24-hour Bupa HealthLine
* Positive Health at no extra cost²

Benefits

Level	All Key Enhanced Complete
Full Surgeon and Anaesthetist fees	All Yes No
Optional Cash Benefit	All Yes No
Island Package	All Yes No
The Six Week scheme	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Level - Key	Key: Full refund for Partnership Network hospitals otherwise up to Bupa specified limits and, if applicable, in a room within your scale of cover for intensive care in a scheme recognised critical care unit a list of the prostheses and appliances covered is available on request (Partnership network has over 300 hospitals nationwide)
Level - Enhanced	Enhanced: Full refund for Partnership Network hospitals otherwise up to Bupa specified limits and, if applicable, in a room within your scale of cover for intensive care in a scheme recognised critical care unit a list of the prostheses and appliances covered is available on request (Partnership network has over 300 hospitals nationwide)
Level - Complete	Complete: Full refund for Participating Network hospitals and, if applicable, in a room within your scale of cover for intensive care in a scheme recognised critical care unit a list of the prostheses and appliances covered is available on request (Participating network has over 600 hospitals nationwide)
Surgeon / Consultant / Specialist & Anaesthetists fees
Full Surgeon and Anaesthetist fees - Yes	Surgeon and Anaesthetist fees Full refund for consultants’ fees for eligible out-patient, day-patient and in-patient surgical operations with a Bupa recognised consultant – irrespective of consultant partnership status – in a scheme recognised facility
Full Surgeon and Anaesthetist fees - No	Paid in full with a Bupa partnership consultant in a partnership facility - benefit limits apply for Bupa recognised consultants who are not partnership consultants; or with a Bupa recognised consultant - irrespective of consultant partnership status - in a partnership facility
Physicians fees & diagnostic tests
	Paid in full with a Bupa Partnership consultant in a specialist treatment centre or up to Bupa limits if recognised consultant
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	With no financial limits (when a fee assured consultant and a hospital within the chosen network is used) Cover and support at every stage of cancer
Psychiatric treatment
	Up to a maximum of 45 days each membership year for mental health day-patient and in-patient treatment combined and not individually. For eligible mental health treatment in recognised facilities and with recognised consultants
Six week option
The Six Week scheme - No	Not selected
The Six Week scheme - Yes	if the NHS can provide day-patient or in-patient treatment (including diagnostic procedures) within six weeks of the date the consultant recommends it, then treatment takes place in the NHS. If not, the treatment or tests will be covered by Bupa.
Key Facts - Out-patient Charges
Complementary medicine
Level - Key	Key: Up to £250 within your selected out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic, and osteopathy only)
Level - Enhanced	Enhanced: Up to out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic and osteopathy only)
Level - Complete	Complete Paid in full with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic and osteopathy only)
Diagnostic tests (excluding scans)
Level - Key	Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant for out-patient consultations: * consultants who are partnership consultants - paid in full up to and from within your available out-patient benefit limits * consultants who are not partnership consultants - up to the limits of the consultant fees schedule and up to and from within your available out-patient benefit limits Otherwise - paid in full up to and from within your available out-patient benefit limits
Level - Enhanced	Enhanced: Up to £1,500 within out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised consultant for out-patient consultations: * consultants who are partnership consultants - paid in full up to and from within your available out-patient benefit limits * consultants who are not partnership consultants - up to the limits of the consultant fees schedule and up to and from within your available out-patient benefit limits Otherwise - paid in full up to and from within your available out-patient benefit limits
Level - Complete	Complete: Paid in full with a scheme recognised consultant for out-patient consultations: * consultants who are partnership consultants - paid in full up to and from within your available out-patient benefit limits * consultants who are not partnership consultants - up to the limits of the consultant fees schedule and up to and from within your available out-patient benefit limits Otherwise - paid in full up to and from within your available out-patient benefit limits
GP referred consultations
Level - Key	Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant
Level - Enhanced	Enhanced: Up to £1,500 within out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised consultant
Level - Complete	Complete: Paid in full with a scheme recognised consultant
Physiotherapy consultant referred
Level - Key	Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant
Level - Enhanced	Enhanced: Up to £1,500 within out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised consultant
Level - Complete	Complete: Paid in full with a scheme recognised consultant
Physiotherapy GP referred
Level - Key	Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant
Level - Enhanced	Enhanced: Up to out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic and osteopathy only)
Level - Complete	Complete: Paid in full with a scheme recognised consultant
Psychiatric cover
	Up to a maximum of 45 days each membership year for mental health day-patient and in-patient treatment combined and not individually. For eligible mental health treatment in recognised facilities and with recognised consultants
Radiotherapy / Chemotherapy
	Paid in full (out-patient benefit limit restriction does not apply when the out-patient treatments are for eligible treatment of cancer)
Scans - MRI / CT / PET
	Paid in full in a scheme recognised imaging unit for the type of scan you need
Surgical Procedures
Full Surgeon and Anaesthetist fees - Yes	Surgeon and Anaesthetist fees Full refund for consultants’ fees for eligible out-patient, day-patient and in-patient surgical operations with a Bupa recognised consultant – irrespective of consultant partnership status – in a scheme recognised facility
Full Surgeon and Anaesthetist fees - No	Paid in full with a Bupa partnership consultant in a partnership facility - benefit limits apply for Bupa recognised consultants who are not partnership consultants; or with a Bupa recognised consultant - irrespective of consultant partnership status - in a partnership facility
Key Facts - Additional Benefits
NHS cash benefit
	NHS cash benefit: £50 a night for 35 nights per benefit year NHS cancer cash benefit NHS in-patient treatment for or directly related to cancer: £100 each night NHS out-patient or day-patient treatment or NHS treatment in your home for cancer: £100 each day £100 for each three-weekly interval, or part thereof, during which you take oral chemotherapy, or oral anti-hormone therapy that is not available from a GP
Nursing at home
	£2,000 each year when immediately following private eligible in-patient treatment
Parental accommodation
	Up to 16 paid in full for one parent
Primary care
	Not covered
Private ambulance
	£80 any Single trip when medically necessary and related to private eligible day-patient or in-patient treatment
Additional Benefits
Alcohol & drug abuse
	incl in Mental health, subject to terms and approval by a Bupa
Annual maximum limit
	None
Children covered
	Up to 30 years and charged as a single member rate from 24 years
Chiropractors & Osteopaths
	Included in selected out-patient option
Dental treatment
	Specified oral surgical procedures only
GP minor surgery
	Not covered
GP Referred Chiropody, Podiatry or Homeopathy
	Included in selected out-patient option
Hospice care cash benefit
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
Optional Cash Benefit - Yes	£200 each birth or adoption if optional cash benefits selected
Optional Cash Benefit - No	Not covered
Optional cash benefit
Optional Cash Benefit - Yes	* Family cash benefit up to £200 for each birth or adoption * Optical cash benefit up to £100 each 2 year benefit period * Accidental dental injury cash benefit up to £900 per year * Prescription cash benefit up to £20 each year
Optional Cash Benefit - No	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 - Includes caesarean sections which are medically necessary
Stress counselling helpline
	Not available on this scheme (separate product available)
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
Other benefits
Island Package - Yes	Island cover – for residents of Jersey, Guernsey or the Isle of Man only Consultants’ fees for surgical operations only - consultants’ fees for other types of treatment are as set out in this table - Paid in full with a Bupa recognised consultant – irrespective of consultant partnership status – in a partnership facility Travel costs to the UK mainland for you to receive eligible treatment - up to £240 for a return trip - specific conditions apply – call the helpline for details Travel costs to the UK mainland for a parent, nurse or relative to accompany you when medically necessary - up to £240 for a return trip - specific conditions apply – call the helpline for details Nursing care by a qualified nurse during your journey - up to £100 each trip -specific conditions apply – call the helpline for details
	Digital GP provided by Babylon Smartphone application for diagnosis, GP appointments and prescriptions - Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) with free delivery Bupa Anytime HealthLine Telephone service for medical advice with a qualifed nurse - Unlimited 24/7 calls and unlimited call time Bupa Family Mental HealthLine Telephone service for mental health support with a trained adviser - Unlimited calls and unlimited call time between 8am and 6pm Monday to Friday. Provides guidance to parents and carers who are concerned about their child’s emotional wellbeing and/or mental health

Key Facts - In-patient & Day Case Charges

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

Level - Key

Key: Full refund for Partnership Network hospitals otherwise up to Bupa specified limits and, if applicable, in a room within your scale of cover for intensive care in a scheme recognised critical care unit a list of the prostheses and appliances covered is available on request
(Partnership network has over 300 hospitals nationwide)

Level - Enhanced

Enhanced: Full refund for Partnership Network hospitals otherwise up to Bupa specified limits and, if applicable, in a room within your scale of cover for intensive care in a scheme recognised critical care unit a list of the prostheses and appliances covered is available on request
(Partnership network has over 300 hospitals nationwide)

Level - Complete

Complete: Full refund for Participating Network hospitals and, if applicable, in a room within your scale of cover for intensive care in a scheme recognised critical care unit a list of the prostheses and appliances covered is available on request
(Participating network has over 600 hospitals nationwide)

Surgeon / Consultant / Specialist & Anaesthetists fees

Full Surgeon and Anaesthetist fees - Yes

Surgeon and Anaesthetist fees
Full refund for consultants’ fees for eligible out-patient, day-patient and in-patient surgical operations with a Bupa recognised consultant – irrespective of consultant partnership status – in a scheme recognised facility

Full Surgeon and Anaesthetist fees - No

Paid in full with a Bupa partnership consultant in a partnership facility - benefit limits apply for Bupa recognised consultants who are not partnership consultants; or with a Bupa recognised consultant - irrespective of consultant partnership status - in a partnership facility

Physicians fees & diagnostic tests

Paid in full with a Bupa Partnership consultant in a specialist treatment centre or up to Bupa limits if recognised consultant

Cancer Treatment Costs - Chemotherapy / Radiotherapy

With no financial limits (when a fee assured consultant and a hospital within the chosen network is used) Cover and support at every stage of cancer

Psychiatric treatment

Up to a maximum of 45 days each membership year for mental health day-patient and in-patient treatment combined and not individually.

For eligible mental health treatment in recognised facilities and with recognised consultants

Six week option

The Six Week scheme - No

Not selected

The Six Week scheme - Yes

if the NHS can provide day-patient or in-patient treatment (including diagnostic procedures) within six weeks of the date the consultant recommends it, then treatment takes place in the NHS. If not, the treatment or tests will be covered by Bupa.

Key Facts - Out-patient Charges

Complementary medicine

Level - Key

Key: Up to £250 within your selected out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic, and osteopathy only)

Level - Enhanced

Enhanced: Up to out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic and osteopathy only)

Level - Complete

Complete Paid in full with a scheme recognised therapist or complementary medicine practitioner (acupuncture, chiropractic and osteopathy only)

Diagnostic tests (excluding scans)

Level - Key

Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant for out-patient consultations:
* consultants who are partnership consultants - paid in full up to and from within your available out-patient benefit limits
* consultants who are not partnership consultants - up to the limits of the consultant fees schedule and up to and from within your available out-patient benefit limits
Otherwise - paid in full up to and from within your available out-patient benefit limits

Level - Enhanced

Enhanced: Up to £1,500 within out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised consultant for out-patient consultations:
* consultants who are partnership consultants - paid in full up to and from within your available out-patient benefit limits
* consultants who are not partnership consultants - up to the limits of the consultant fees schedule and up to and from within your available out-patient benefit limits
Otherwise - paid in full up to and from within your available out-patient benefit limits

Level - Complete

Complete: Paid in full with a scheme recognised consultant for out-patient consultations:
* consultants who are partnership consultants - paid in full up to and from within your available out-patient benefit limits
* consultants who are not partnership consultants - up to the limits of the consultant fees schedule and up to and from within your available out-patient benefit limits
Otherwise - paid in full up to and from within your available out-patient benefit limits

GP referred consultations

Level - Key

Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant

Level - Enhanced

Enhanced: Up to £1,500 within out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised consultant

Level - Complete

Complete: Paid in full with a scheme recognised consultant

Physiotherapy consultant referred

Level - Key

Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant

Level - Enhanced

Enhanced: Up to £1,500 within out-patient cover limit (overall out-patient limit of £1,500 per person per year) with a scheme recognised consultant

Level - Complete

Complete: Paid in full with a scheme recognised consultant

Physiotherapy GP referred

Level - Key

Key: Up to £1,000 within out-patient cover limit (overall out-patient limit of £1,000 per person per year) with a scheme recognised consultant

Level - Enhanced

Level - Complete

Complete: Paid in full with a scheme recognised consultant

Psychiatric cover

Radiotherapy / Chemotherapy

Paid in full (out-patient benefit limit restriction does not apply when the out-patient treatments are for eligible treatment of cancer)

Scans - MRI / CT / PET

Paid in full in a scheme recognised imaging unit for the type of scan you need

Surgical Procedures

Full Surgeon and Anaesthetist fees - Yes

Full Surgeon and Anaesthetist fees - No

Key Facts - Additional Benefits

NHS cash benefit

NHS cash benefit:
£50 a night for 35 nights per benefit year
NHS cancer cash benefit
NHS in-patient treatment for or directly related to cancer: £100 each night
NHS out-patient or day-patient treatment or NHS treatment in your home for cancer: £100 each day
£100 for each three-weekly interval, or part thereof, during which you take oral chemotherapy, or oral anti-hormone therapy that is not available from a GP

Nursing at home

£2,000 each year when immediately following private eligible in-patient treatment

Parental accommodation

Up to 16 paid in full for one parent

Primary care

Not covered

Private ambulance

£80 any Single trip when medically necessary and related to private eligible day-patient or in-patient treatment

Additional Benefits

Alcohol & drug abuse

incl in Mental health, subject to terms and approval by a Bupa

Annual maximum limit

None

Children covered

Up to 30 years and charged as a single member rate from 24 years

Chiropractors & Osteopaths

Included in selected out-patient option

Dental treatment

Specified oral surgical procedures only

GP minor surgery

Not covered

GP Referred Chiropody, Podiatry or Homeopathy

Included in selected out-patient option

Hospice care cash benefit

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Optional Cash Benefit - Yes

£200 each birth or adoption if optional cash benefits selected

Optional Cash Benefit - No

Not covered

Optional cash benefit

Optional Cash Benefit - Yes

* Family cash benefit up to £200 for each birth or adoption
* Optical cash benefit up to £100 each 2 year benefit period
* Accidental dental injury cash benefit up to £900 per year
* Prescription cash benefit up to £20 each year

Optional Cash Benefit - No

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 - Includes caesarean sections which are medically necessary

Stress counselling helpline

Not available on this scheme (separate product available)

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

Other benefits

Island Package - Yes

Island cover – for residents of Jersey, Guernsey or the Isle of Man only
Consultants’ fees for surgical operations only - consultants’ fees for other types of treatment are as set out in this table - Paid in full with a Bupa recognised consultant – irrespective of consultant partnership status – in a partnership facility
Travel costs to the UK mainland for you to receive eligible treatment - up to £240 for a return trip - specific conditions apply – call the helpline for details
Travel costs to the UK mainland for a parent, nurse or relative to accompany you when medically necessary - up to £240 for a return trip - specific conditions apply – call the helpline for details
Nursing care by a qualified nurse during your journey - up to £100 each trip -specific conditions apply – call the helpline for details

Digital GP provided by Babylon Smartphone application for diagnosis, GP appointments and prescriptions - Unlimited access to GP consultations 24/7 via phone or video call, clinical triage powered by Babylon artificial intelligence, and private prescription writing (prescription costs not included) with free delivery
Bupa Anytime HealthLine Telephone service for medical advice with a qualifed nurse - Unlimited 24/7 calls and unlimited call time
Bupa Family Mental HealthLine Telephone service for mental health support with a trained adviser - Unlimited calls and unlimited call time between 8am and 6pm Monday to Friday. Provides guidance to parents and carers who are concerned about their child’s emotional wellbeing and/or mental health


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