Our International Schools Essential health insurance plan includes key coverage to protect you from potentially significant inpatient costs such as surgery, diagnostic imaging and cancer treatment as well as out-patient surgical operations.
This level of cover focuses on providing access to medical care when it is needed most, allowing plan members to manage everyday medical expenses themselves.
Annual maximum coverage of GBP 500,000 / USD 1,000,000 /EUR 750,000
Plus:
For full details of the rules and benefits, including any limits of the International Schools Plan, refer to the Membership Guide.
Frequently asked questions about the International Schools Plan
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Out-patient surgical operations
This is surgery that requires you to stay in a bed in a hospital or a clinic during a single day and not overnight. |
Out-patient surgical operations are paid in full. |
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Hospital accommodation
The charges that relate to your accommodation as an inpatient. This includes the costs of occupying the hospital’s standard single room with bathroom (en-suite) and also includes your own meals and refreshments. |
Hospital accommodation is paid in full. |
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Surgical operations, including pre- and post-operative care
A surgical operation is a medical procedure involving an incision into the body. Pre and post-operative care are the medical services you may require immediately before and after surgery; see ‘nursing care, drugs and surgical dressings’ below. |
Surgical operations, including pre and post-operative care are paid in full. |
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Nursing care, drugs and surgical dressings
Nursing care are the general services such as drug provision and wound care provided to you by nursing staff, often immediately before and after surgery and during your recovery. |
Nursing care, drugs and surgical dressings are paid in full. |
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Physicians fees
The charges made by your physician, consultant or doctor for non-surgical treatment provided during your stay in hospital. For example, the treatment of pneumonia. |
Physicians fees are paid in full. |
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Theatre charges
Theatre charges are costs relating to your surgery. These could include drugs and dressings, equipment and fees for the use of the actual theatre room. |
Theatre charges and intensive care are paid in full. |
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Intensive Care, intensive therapy, coronary care and high dependency unit
Intensive care is a suite of high dependency medical support services that are provided when someone is critically ill. These services are provided in intensive care units, intensive therapy units, high dependency units or cardiac care units. |
Paid in full. |
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Pathology, X-rays, diagnostic tests and therapies
Pathology is the study and diagnosis of illness through the study of bodily fluids, tissues and organs. Common examples are blood tests and skin biopsies. X-rays are used in radiography to generate images of the body’s structures to aid diagnosis. Diagnostic tests can take various forms, but for example include cardiovascular stress tests, electrocardiograms (ECGs) and spirometry (lung function tests). |
Pathology, X-rays, diagnostic tests and therapies are paid in full. |
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Prosthetic implants and appliances
A prosthetic implant or appliance is an artificial body part which is designed to form a permanent part of your body and is surgically implanted. Examples are artificial heart valves, replacement lens or cornea of the eye and devices to remove excess fluid from the brain. |
Prosthetic implants and appliances are paid in full. |
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Parent accommodation
If your child is under 18 and is a Bupa Global member receiving treatment for which he or she is covered under their policy for, we will pay for you to stay with your child in the same hospital. Please note we can only pay for one parent per night. |
Parent accommodation is paid in full. |
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Psychiatric treatment
The treatment of mental health conditions via a variety of techniques including therapy, the prescription of drugs and pathology. We pay for a total of 90 days’ psychiatric treatment in hospital during your lifetime. |
This is available after two years’ membership. We pay for a total of 90 days’ psychiatric treatment in hospital during your lifetime. |
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Advanced imaging
Examples are: magnetic resonance imaging, computed tomography and positron emission tomography. These are modern imaging techniques that allow medical professionals invaluable and detailed views of the body’s structure and function. |
Advanced imaging costs are paid in full. |
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Cancer treatment
If cancer is diagnosed, we pay fees that are related specifically to planning and carrying out treatment for cancer. Typical treatments include surgery, radiotherapy, chemotherapy and pathology. |
Cancer treatments are paid in full. |
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Healthline services
A selection of services available to all of our members. As a Bupa Global member, you can call our Medical Centre at any time of the day or night and speak to medically trained people who understand your situation and can give you the healthcare advice, support and assistance you need. We also have a team of expertly trained people ready to help with any general enquiries you may have. Our people come from many different cultures so, wherever in the world you may be, you can be sure of help from someone who can speak to you in your language. |
To make your life easier and to save you time, we have created the exclusive MembersWorld website You can:
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Hospice and palliative care
When treatment can no longer be expected to cure your condition, we pay for your physical, psychological, social and spiritual care as well as hospital or hospice accommodation, nursing care and prescribed drugs. |
We pay up to GBP 24,000 / USD 41,000 / EUR 30,000 maximum benefit for the whole of your membership. |
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Inpatient cash benefit
This is a cash payment made to you (instead of any other benefit) for each night you receive eligible inpatient treatment without charge. For example, if you received treatment at no charge from the National Health Service (NHS) in the UK. Please note that this benefit is not payable when related to normal pregnancy treatment. |
We pay GBP 75 / USD 150 / EUR 110 each night up to 20 nights each membership year. |
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Local air ambulance
We pay for you to be transported by local air ambulance (typically a medically-equipped and staffed helicopter or plane) when medically necessary. |
We pay GBP 5,900 / USD 10,000 / EUR 7,400 each membership year. |
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Local road ambulance
We pay for medically necessary travel by local road ambulance (a medically-equipped and staffed vehicle) when related to eligible day-case or inpatient treatment. |
Local road ambulance costs are paid in full. |
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Newborn
Treatment of an eligible condition is paid for with this benefit instead of any other benefit for all treatment required by a newborn child during the first 90 days following birth. |
We pay up to GBP 75,000 / USD 150,000 / EUR 110,000 maximum benefit for all treatment received during the first 90 days following birth. |
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Prosthetic devices
We pay for a prosthetic device needed as part of your treatment. By this we mean an external artificial body part, such as a prosthetic limb or prosthetic ear. We will only pay for one prosthetic device per limb per adult, and we will pay for the initial and up to two replacement prosthetic devices per limb as required under the age of 16 years. |
The maximum benefit we will pay towards a prosthetic device is GBP 2,400 / USD 4,000 / EUR 3,000 |
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Rehabilitation
Treatment in the form of a combination of therapies such as physical, occupational and speech therapy aimed at restoring full function after an acute event such as a stroke. |
We pay in full for up to 30 days of treatment each membership year, either when this is received in hospital or on an out-patient basis |
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Transplant services
We pay medical expenses if you need to receive a cornea, small bowel, kidney, kidney/pancreas, liver, heart, lung or heart/lung transplant. We also pay for bone marrow transplants. |
Transplant services are paid in full |
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USA cover
If this option is purchased, you gain access to our US Service Partner’s national network of hospitals, clinics and medical practitioners. Our Service Partner will help you arrange treatment within this network. |
When eligible treatment takes place in the US using the US provider network, benefit is paid at 100%. When eligible treatment takes place in the US but outside of this network, benefit is paid at 80%. Please note that all treatment must be pre-authorised, so contact us first to get peace of mind. |
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Assistance cover (evacuation and repatriation)
Evacuation – if the treatment you need is not available locally, we will arrange for you to be evacuated to the nearest centre of medical excellence, no matter where you are in the world. Repatriation – our highest level of assistance cover gives you the choice of returning to your home country (if treatment is not available locally) to be treated in familiar surroundings, near your family and friends. |
Eligible costs associated with evacuation and repatriation services are paid in full. |
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Medical history disregarded
Companies with more than 10 employees can ask for the medical history of their employees to be disregarded. Simply tell us when you apply for cover and we'll let you know how much it costs. |
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Tailored for companies with 100 members plus
If you need to cover a group of 100 members or more, we can tailor a policy to suit your exact requirements. |
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To discuss your needs, please call us on:
Calls may be recorded and monitored
Over 40 years of medical expertise and dedication to health. A global team of advisers and health experts who, between them, speak multiple languages – and a service that exceeds expectations. These are just a few of the things that make Bupa Global different. Explore how we provide you with world-class cover and stand apart from the rest.