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Bupa - Bupa Fundamental Health Insurance

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

Cancer	All Full Cancer Cover NHS Cancer Cover

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
Cancer - NHS Cancer Cover	NHS Cancer Cover Plus Paid in full for when cancer treatment such as radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available to you under the NHS.
Cancer - Full Cancer Cover	Full cover in a Bupa partnership network hospital. Benefit limits apply if the consultant oncologist is not a Bupa partnership consultant
Psychiatric treatment
	Not covered
Six week option
	Not available
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	Full cover in a Bupa partnership network hospital
GP referred consultations
	Up to two per year - Paid in full, only when directly following and related to private day-patient or in-patient treatment. Consultations must follow within six months of the discharge date of that treatment.
Physiotherapy consultant referred
	Up to £350 a year for all therapies - With a Bupa recognised therapist only when following and directly related to eligible private day-patient/in-patient treatment, within six months of the date of discharge from hospital
Physiotherapy GP referred
	Up to £350 a year for all therapies - With a Bupa recognised therapist only when following and directly related to eligible private day-patient/in-patient treatment, within six months of the date of discharge from hospital
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Up to £350 a year for all therapies - With a Bupa recognised therapist only when following and directly related to eligible private day-patient/in-patient treatment, within six months of the date of discharge from hospital
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
	Up to a maximum of 35 nights a year – £50 per night for eligible in-patient treatment NHS cash benefit for each night you receive in-patient treatment provided to you free under the NHS. We only pay an NHS cash benefit if your treatment would otherwise have been covered for private in-patient treatment under your benefits Any costs you incur for choosing to occupy an amenity bed while receiving your in-patient treatment are not covered under your benefits. By an amenity bed we mean a bed for which the hospital makes a charge but where your treatment is still provided free under the NHS
Cancer - NHS Cancer Cover	NHS cash benefit for NHS in-patient stays that you receive radiotherapy, chemotherapy or a surgical operation that is for cancer treatment £100 each night for NHS in-patient treatment that would otherwise have been covered for private in-patient treatment under your scheme
Nursing at home
	Not covered
Parental accommodation
	Not covered
Private ambulance
	Not covered
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	21 years of age and unmarried (24 if in full time education)
Chiropractors & Osteopaths
	Up to £350 a year for all therapies - With a Bupa recognised therapist only when following and directly related to eligible private day-patient/in-patient treatment, within six months of the date of discharge from hospital
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
	Not covered
Transplants
	Not covered

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

Cancer - NHS Cancer Cover

NHS Cancer Cover Plus
Paid in full for when cancer treatment such as radiotherapy, chemotherapy or surgical operation you need to treat your cancer is not available to you under the NHS.

Cancer - Full Cancer Cover

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

Psychiatric treatment

Not covered

Six week option

Not available

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

Full cover in a Bupa partnership network hospital

GP referred consultations

Up to two per year - Paid in full, only when directly following and related to private
day-patient or in-patient treatment. Consultations must follow within six months of the discharge date of that treatment.

Physiotherapy consultant referred

Up to £350 a year for all therapies - With a Bupa recognised therapist only when following and directly related to eligible private day-patient/in-patient treatment, within six months of the date of discharge from hospital

Physiotherapy GP referred

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

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

Up to a maximum of 35 nights a year – £50 per night for eligible in-patient treatment
NHS cash benefit for each night you receive in-patient treatment provided to you free under the NHS. We only pay an NHS cash benefit if your treatment would otherwise have been covered for private in-patient treatment under your benefits
Any costs you incur for choosing to occupy an amenity bed while receiving your in-patient treatment are not covered under your benefits. By an amenity bed we mean a bed for which the hospital makes a charge but where your treatment is still provided free under the NHS

Cancer - NHS Cancer Cover

NHS cash benefit for NHS in-patient stays that you receive radiotherapy, chemotherapy or a surgical operation that is for cancer treatment £100 each night for NHS in-patient treatment that would otherwise have been covered for private in-patient treatment under your scheme

Nursing at home

Not covered

Parental accommodation

Not covered

Private ambulance

Not covered

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

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

Chiropractors & Osteopaths

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

Not covered

Transplants

Not covered


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