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Bupa - Select - Custom

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

* 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 Partnership Participating
Full Surgeon and Anaesthetist fees All Yes No
Mental Health Treatment All Yes No
Out-patient consultations and treatment All Upto £250 combined Upto £500 combined Upto £750 combined Upto £1000 combined £1000 combined Upto £1500 combined Full Refund
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 - Partnership
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 - Participating
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
Mental Health Treatment - Yes
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
Mental Health Treatment - No
 Not selected
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
Out-patient consultations and treatment - Upto £250 combined
 Complementary medicine is covered up to £250 within the overall out-patient therapies limit
Out-patient consultations and treatment - Upto £500 combined
 £500 per year aggregate total out-patient benefit, including £250 for complementary medicine (Osteopathy, Acupuncture & Chiropractic treatment)
Out-patient consultations and treatment - Upto £750 combined
 £750 per year aggregate total out-patient benefit, including £250 for complementary medicine (Osteopathy, Acupuncture & Chiropractic treatment)
Out-patient consultations and treatment - Upto £1000 combined
 £1,000 per year aggregate total out-patient benefit, including £250 for complementary medicine (Osteopathy, Acupuncture & Chiropractic treatment)
Out-patient consultations and treatment - £1000 combined
 £1,000 per year aggregate total out-patient benefit, including no maximum for complementary medicine (Osteopathy, Acupuncture & Chiropractic treatment)
Out-patient consultations and treatment - Upto £1500 combined
 £1,500 per year aggregate total out-patient benefit, including no maximum for complementary medicine (Osteopathy, Acupuncture & Chiropractic treatment)
Out-patient consultations and treatment - Full Refund
 Paid in full, no maximum for complementary medicine
Diagnostic tests (excluding scans)
Out-patient consultations and treatment - Upto £250 combined
 Covered up to £250 as a combined out-patient limit
Out-patient consultations and treatment - Upto £500 combined
 Covered up to £500 as a combined out-patient limit
Out-patient consultations and treatment - Upto £750 combined
 Covered up to £750 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1000 combined
Out-patient consultations and treatment - £1000 combined
 Covered up to £1000 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1500 combined
 Covered up to £1500 as a combined out-patient limit
Out-patient consultations and treatment - Full Refund
 Paid in Full – this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee-assured consultant) or a Bupa recognised complementary medicine practitioner.
GP referred consultations
Out-patient consultations and treatment - Upto £250 combined
 Covered up to £250 as a combined out-patient limit
Out-patient consultations and treatment - Upto £500 combined
 Covered up to £500 as a combined out-patient limit
Out-patient consultations and treatment - Upto £750 combined
 Covered up to £750 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1000 combined
Out-patient consultations and treatment - £1000 combined
 Covered up to £1000 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1500 combined
 Covered up to £1500 as a combined out-patient limit
Out-patient consultations and treatment - Full Refund
 Paid in Full – this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee-assured consultant) or a Bupa recognised complementary medicine practitioner.
Physiotherapy consultant referred
Out-patient consultations and treatment - Upto £250 combined
 Covered up to £250 as a combined out-patient limit
Out-patient consultations and treatment - Upto £500 combined
 Covered up to £500 as a combined out-patient limit
Out-patient consultations and treatment - Upto £750 combined
 Covered up to £750 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1000 combined
Out-patient consultations and treatment - £1000 combined
 Covered up to £1000 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1500 combined
 Covered up to £1500 as a combined out-patient limit
Out-patient consultations and treatment - Full Refund
 Paid in Full – this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee-assured consultant) or a Bupa recognised complementary medicine practitioner.
Physiotherapy GP referred
Out-patient consultations and treatment - Upto £250 combined
 Covered up to £250 as a combined out-patient limit
Out-patient consultations and treatment - Upto £500 combined
 Covered up to £500 as a combined out-patient limit
Out-patient consultations and treatment - Upto £750 combined
 Covered up to £750 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1000 combined
Out-patient consultations and treatment - £1000 combined
 Covered up to £1000 as a combined out-patient limit
Out-patient consultations and treatment - Upto £1500 combined
 Covered up to £1500 as a combined out-patient limit
Out-patient consultations and treatment - Full Refund
 Paid in Full – this is for eligible treatment on your core health insurance when you use a healthcare facility within your chosen Bupa network using a Bupa recognised consultant who agrees to charge within Bupa limits (a fee-assured consultant) or a Bupa recognised complementary medicine practitioner.
Psychiatric cover
Mental Health Treatment - Yes
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
Mental Health Treatment - No
 Not selected
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 selected
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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