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Bupa are one of the UK’s most established health insurance providers. Bupa stands as a pillar of health insurance expertise in the UK, with a storied history of providing top-tier coverage. However, their commitment extends far beyond insurance products alone — Bupa is fervently dedicated to fostering enhanced well-being, promoting longevity, and boosting life satisfaction for individuals. To cater to the diverse requirements of its clientele, Bupa provides a trio of policy options, each designed to align with varying customer needs:

Bupa offers three policies to suit different customer needs, which are:

Bupa By You (comprehensive cover)

Bupa Treatment and Care (in or day patient only)

Bupa Fundamentals (limited outpatient option); only available through health insurance brokers like Switch Health

Product: Bupa Fundamental

Plan overview

Private Health Insurance
Insurance Product Information Document

Company: Bupa Insurance Limited

In-patient and day-patient treatment

Hospital treatment – paid in full
Diagnostic tests – paid in full
Scans (MRI, CT, PET) – paid in full
Radiotherapy and chemotherapy – paid in full

Out-patient treatment

Scans (MRI, CT, PET) and diagnostic tests – paid in full
Consultations – paid in full
• only when they follow on from, and are related to, private
day-patient treatment or in-patient treatment and they take place within six months of the discharge date of that treatment
• up to two consultations within the six month period
Therapies – up to £350 per person, per year
• only when they follow on from, and are related to, private
day-patient treatment or in-patient treatment and they take place within six months of the discharge date of that they take place within six months of the discharge date of that treatment
Radiotherapy and chemotherapy – paid in full

When out-patient consultations or therapies are for eligible cancer treatment, benefit and time limits don’t apply

Other benefits

• Anytime HealthLine – 24/7, unlimited telephone consultations with our team of nurses and GPs
• Family Mental HealthLine – 8am to 6pm Monday to Friday, telephone information and advice from a trained adviser and mental health nurse about your child’s emotional wellbeing
• Parent accommodation – child aged 17 or under, one parent
  per night
• Private ambulance – £60 per journey
• NHS Cash Benefit for NHS hospital in-patient treatment – £50 per night, up to 35 nights per year
• NHS Cash Benefit for treatment for cancer
  • £100 each night for NHS in-patient treatment, or
  • £100 for NHS out-patient, NHS day-patient or NHS home treatment for cancer or
• 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

BUPA Cancer cover options available

• Full cancer cover
• NHS Cancer Cover Plus (covered if chemotherapy, radiotherapy, drug therapy or surgical operation for cancer treatment is not available on the NHS)
• No cancer cover

Other options
• A number of excess options are available. 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 policy year. Details of the excess option that you have chosen are shown on your membership certificate. The membership guide provides full details of how it works
• Hospital Lists
– Essential Access; Extended Choice; Extended Choice with Central London