BUSINESS ELITE

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Business Elite Health Plan

This plan gives your employees an exceptional £6m limit of cover, a range of health screenings, access to mental health treatment, home nursing, and many complementary therapies, such as acupuncture.

With its extensive maternity package, Business Elite helps reassure your employees that they will have access to the right treatment at the right time (10-month waiting period applies).

Annual Limit: GBP 6 million / USD 9.3 million / EUR 7.8 million

Coverage: Worldwide, with optional U.S. cover (if purchased)

To learn more, please read the Business sales brochure, and for full details of the rules and benefits, including any limitations, exclusions and benefits eligibility of the Business Health Plan, refer to the Business Health Plans membership guide.

Business Elite provides your employees with worldwide in-hospital care, alongside a range of wellbeing benefits and health screenings (after 1 year). It includes medical evacuation, cancer treatment and obesity surgery (after 2 years, subject to eligibility). Plus it covers hereditary, congenital and chronic conditions, as well as transplants and medical rehabilitation, and includes:

More out-patient consultations and family doctor visits than on the Business Premier Health Plan
Maternity paid in full (after 10 months)
Medical evacuation and repatriation
Prescribed drugs and dressings paid in full
28 day U.S. cover for unforeseen treatment (cover starts from the date you arrive in the U.S.)
Optional U.S. cover, if purchased
Optional dental and optical cover, if purchased

If your business is registered in the UK, you can get an indicative quote online below.

If your business is based outside the UK, or if you’d like to discuss your needs over the phone, call us on +44 (0) 1273 208 200

Calls may be recorded and monitored.

Detailed list of benefits

Out-patient treatment

Limit
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.

Paid in full, subject to annual limit

Wellness (after one years' membership)

Mammogram, PAP test, prostate cancer screening or colon cancer screening. We pay for these four preventive checks only, after you have been a member of the plan for one year.

Up to GBP 1,000 / USD 1,600 / EUR 1,300 each membership year

Full Health Screening (after one year's membership)

Cholesterol, blood pressure, diabetes, anaemia, lung function, liver and kidney function, cardiac risk-assessment and hearing tests (after one year's membership). The actual tests you have will depend on those supplied by the benefits provider where you have your screening.

Consultants' fees for consultations

This normally means a meeting with a consultant to assess your condition. Such meetings may take place in the specialist's or doctor's office, by telephone or using the internet.

Paid in full, subject to annual limit

Pathology, X-rays and diagnostic tests

We pay for pathology, such as checking blood and urine samples for specific abnormalities, radiology, such as X-rays, and diagnostic tests, such as electro-cardiograms (ECGs), when recommended by your consultant or family doctor to help determine or assess your condition.

Costs for treatment by therapists, complimentary medical practitioners and qualified nurses

We pay for nursing charges for general nursing care.

Paid in full up to 70 visits each membership year

Consultants' fees, psychologists and psychotherapists' fees for psychiatric treatment

Vaccinations

We pay for vaccinations including vaccinations to aid the prevention of cancer, such as the human papilloma virus (HPV) vaccination, as and when such vaccines have completed medical trials and are approved for use in the country of treatment.

Paid in full, subject to annual limit

Costs for treatment by a family doctor

We pay for family doctor treatment.

Paid in full up to 20 visits each membership year

Prescribed drugs and dressings

We pay for the cost of drugs and dressings prescribed for you by your medical practitioner for eligible treatment.

Paid in full, subject to annual limit

Accident-related dental treatment

We pay for accident-related dental treatment that you receive from a dental practitioner for treatment during an emergency visit following accidental damage to any tooth. We only pay any accident-related dental treatment which takes place up to 30 days after the accident.

Up to GBP 1,000 / USD 1,600 / EUR 1,300 each membership year


In-patient treatment

Limit
Hospital accommodation

The charges that relate to your accommodation as an in-patient. This includes the costs of occupying the hospital’s standard single room with bathroom (en-suite) and also includes your own meals and refreshments.

Paid in full - standard private room

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.

Paid in full, subject to annual limit

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.

Paid in full, subject to annual limit

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.

Paid in full, subject to annual limit

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.

Paid in full, subject to annual limit

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, subject to annual limit

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).

Paid in full, subject to annual limit

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.

Paid in full, subject to annual limit

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.

Paid in full, subject to annual limit

Psychiatric treatment

The treatment of mental health conditions via a variety of techniques including therapy, the prescription of drugs and pathology.

Paid in full, subject to annual limit

Prophylactic surgery

We may pay subject to Bupa Global’s medical policy criteria, for example, a mastectomy and reconstruction when there is a significant family history and/or you have a positive result from genetic testing.

Paid in full, subject to annual limit

Reconstructive surgery

Treatment to restore your appearance after an illness, injury or surgery. We may pay for surgery when the original illness, injury or surgery and the reconstructive surgery take place during your continuous membership. Please contact us for pre-authorisation before proceeding with any reconstructive surgery.

Paid in full, subject to annual limit

Obesity surgery (after two years' membership)

Once you have been covered on this health plan for two years, we may pay, subject to Bupa Global’s medical policy criteria, for bariatric surgery, if you: have a body mass index (BMI) of 40 or over and have been diagnosed as being morbidly obese, can provide documented evidence of other methods of weight loss which have been tried over the past two years and have been through a psychological assessment which has confirmed that it is appropriate for you to undergo the procedure.

Paid in full, subject to annual limit


Further benefits

Limit
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.

Paid in full, subject to annual limit

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.

Paid in full, subject to annual limit

Kidney dialysis

We pay for kidney dialysis - provided as In-patient, day-case or as on out-patient

Paid in full

Congenital and hereditary conditions

We pay for treatment of congenital and hereditary conditions. By congenital conditions we mean any abnormalities, deformities, diseases, illnesses or injuries present at birth. By hereditary conditions we mean any abnormalities, deformities, diseases or illnesses that are only present because they have been passed down through the generations of your family. If you are unsure whether your condition may be classed as congenital or hereditary, please contact us for further information. The amount shown here is the total amount we shall pay for these expenses during the whole of your lifetime of Bupa, whether continuous or not.

We pay up to GBP 100,000 / USD 155,000 / EUR 130,000 maximum benefit for the whole of your lifetime.

Healthline services

A selection of services available to all of our members. As a Bupa Global member, you can call our Healthline 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. The following are some of the services that may be offered by telephone: general medical information from a health professional, medical referrals to a physician or hospital, medical service referral, inoculation and visa requirement information, emergency message transmission, interpreter and embassy referral. Note: treatment arranged through this service may not be covered under your plan. Please check your cover before proceeding.

This is a telephone advice line which offers help 24 hours a day, 365 days a year and any time when you need it.

HIV/AIDS drug therapy including ART

We pay for HIV/AIDS drug therapy including Antiretroviral Therapy (ART).

Paid in full, subject to annual limit

Home nursing after in-patient treatment

Home nursing is care provided immediately following a stay in hospital by a qualified nurse in your home.

We pay up to GBP 120 / USD 200 / EUR 150 each day up to a maximum of 30 days each membership year.

Hospice and palliative care

Home nursing is care provided immediately following a stay in hospital by a qualified nurse in your home. The amount shown here is the total amount we shall pay for these expenses during the whole of your membership of Bupa, whether continuous or not.

We pay up to GBP 24,000 / USD 37,200 / EUR 31,200 maximum benefit for the whole of your lifetime

In-patient cash benefit

This benefit is paid instead of any other benefits for each night you receive eligible in-patient treatment without charge.

We pay GBP 90 / USD 150 / EUR 100 each night up to 20 nights each membership year

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.

We pay a maximum benefit of GBP 4,000 / USD 6,200 / EUR 5,200 for each device

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 60 days of treatment (which may be in-patient treatment, day-case treatment or out-patient treatment) each membership year.

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 and peripheral stem cell transplants, with or without high dose chemotherapy.

Paid in full, subject to annual limit


Maternity and childbirth cover (after 10 months' membership)

Limit
Maternity and childbirth cover (after 10 months' membership)

We pay maternity and childbirth benefits only after you have been covered under the plan for 10 months.

Paid in full, subject to annual limit

Childbirth at home or birthing centre (after 10 months' membership)

This benefit includes obstetricians' and midwives' fees for delivering your baby at home or a birthing centre.

Paid in full, subject to annual limit

Medically essential Caesarean section (after 10 months' membership)

This benefit includes hospital, obstetricians and other medical fees for the cost of the delivery of your baby by Caesarean section when medically essential.

Paid in full, subject to annual limit

Complications of maternity and childbirth (after 10 months' membership)

Treatment which is medically necessary as a direct result of pregnancy and childbirth complications.

Paid in full, subject to annual limit

Transportation and travel

Medical evacuation

Transport costs for a medical evacuation to the nearest appropriate place where the required treatment is available and for the return journey to the place you were transferred from, when this is pre-authorised by us.

Paid in full, subject to annual limit

Medical repatriation

Transport costs for a medical repatriation to your specified country of nationality as given on your application form, or your specified country of residence and the return journey to the place you were transferred from, when this is pre-authorised by Bupa Global and the return journey is within 14 days of the end of the treatment.

Paid in full, subject to annual limit

Local air ambulance

We pay for you to be transported by local air ambulance (typically a medically-equipped and staffed helicopter or plane) when when related to eligible in-patient treatment or day-case treatment, either: from the location of an accident to hospital, or for a transfer from one hospital to another, when it is appropriate for this method of transfer to be used to transport you over short journeys of up to 100 miles/160 kilometres.

We pay GBP 5,900 / USD 9,100 / EUR 7,700 each membership year.

Local road ambulance

We pay for a local road ambulance from the location of an accident to a hospital for a transfer from one hospital to another, or from your home to the hospital, when a local road ambulance is medically necessary, and related to treatment that is covered that you need to receive in hospital.

Paid in full, subject to annual limit

Travel cost for accompanying person

Reasonable travel costs for a close relative (spouse/partner, parent, child, brother or sister) to accompany you if there is a reasonable need for you to be accompanied.

Paid in full, subject to annual limit

Travel cost for the transfer of children

Reasonable travel costs for children to be transferred with you in the event of an evacuation or repatriation, provided they are under the age of 18 when: it is medically necessary for you as their parent or guardian to be evacuated or repatriated, your spouse, partner, or other joint guardian is accompanying you, and they would otherwise be left without a parent or guardian.

Paid in full, subject to annual limit

Compassionate visit transport costs and compassionate visit living allowance

The cost of economy class travel costs for a close relative (spouse/partner, parent, child, brother or sister) who is in another country to visit when you have a sudden accident or illness and are going to be hospitalised for at least five days or you have received a short-term terminal prognosis.

Visit and return: we pay up to 5 trips per lifetime, up to GBP 1,000 / USD 1,600 / EUR 1,300 per trip

Visit living allowance: we pay up to GBP 100 / USD 160 / EUR 130 per day for a maximum of 10 days each membership year

Living allowance

Costs towards living expenses for a relative (spouse/partner, parent, child, brother or sister) who is authorised to travel with you: following an evacuation, and, for up to 10 days, or your date of discharge whichever is the earlier, whilst away from their usual specified country of residence.

We pay up to to GBP 25 / USD 40 / EUR 30 per day for up to 10 days per membership year

Repatriation of mortal remains

Reasonable costs for the transportation of your body or cremated mortal remains to your specified country of nationality or to your specified country of residence.

Paid in full, subject to annual limit

Optional benefits

Limit
Dental treatment

We pay 100 percent of preventive treatment (such as check-ups, X-rays, scale and polishing), 80 percent of routine treatment (such as fillings, extractions and root canal therapy), 50 percent of major restorative (such as crowns, bridges or implants) and 50 percent of orthodontic treatment of overbite or under bite etc, up to the age of 19.

Optional cover, if purchased:

We pay up to GBP 2,500 / USD 3,900 / EUR 3,300 each membership year.

Optical

We pay maximum of one eye test each membership year, which includes the cost of your consultation and sight/vision testing, 75 percent of eligible costs for spectacle and contact lenses which are prescribed to correct a sight/vision problem, such as short or long sight, 75 percent of eligible costs of spectacle frames only if you have been prescribed spectacle lenses, your spectacle lens prescription or invoice will be required in support of your claim for spectacle frames.

Optional cover, if purchased:

Up to GBP 250 / USD 400 / EUR 350 maximum benefit each membership year


U.S. cover


U.S. cover

If this option is purchased, you gain access to our U.S. Service Partner’s national network of hospitals, clinics and medical practitioners. Our Service Partner will help you arrange treatment within this network.

Optional cover, if purchased


Exclusions

This is a summary of the exclusions. Please read the membership guide for full details.

Administration / registration fees

Artificial life maintenance

Birth control

Chinese medicine

Conflict and disaster

Congenital and hereditary conditions

We may cover costs associated with this benefit as detailed in the 'Membership Guide'

Convalescence, nursing home and admission for general care

Cosmetic treatment

Deafness

Dental treatment/gum disease (optional dental cover can be purchased)

Desensitisation and neutralisation

Developmental problems

Donor organs

Epidemics and pandemics

Eyesight

Footcare

Gender issues

Genetic testing

Infertility treatments

Mechanical or animal donor organs

Health hydro, nature cure clinics and related treatments

Obesity

We may cover costs associated with this benefit as detailed in the 'Membership Guide'

Personality disorders

Physical aids and devices

Pre-existing conditions

Preventive and wellness treatment

Persistent vegetative state (PVS) and neurological damage

Reconstructive or remedial surgery

Self-inflicted injuries

Sexual problems

Sleep disorders

Speech disorders

Stem cells

Harmful or hazardous use of alcohol, drugs and/or medicines

Surrogacy

Temporomandibular joint (TMJ) disorders

Travel costs for treatment

Unrecognised medical practitioner, hospital or healthcare facility

U.S. treatment (optional U.S. cover can be purchased)

Contact us

To discuss your needs, please call us on:

+44 (0) 1273 208 200

Calls may be recorded and monitored

Looking for a higher level of cover?

The Business Ultimate Health Plan is our highest level of cover, with no annual policy maximum, unlimited GP consultations, extensive maternity cover, genetic cancer screening and refractive eye surgery included.

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Why we're the right business partner for you

Two of the most respected names in global healthcare by your side
Transparent and easy-to-understand tiered plans, with a clear trade-up benefits
Option to adapt to your specific needs, circumstances and budget
Accounts that can be easily and securely managed online, in minutes
All plans offer an exceptional level of service and benefits

Bupa Global is the sole insurer of this plan.

Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell products branded with the Blue Cross Blue Shield marks in Anguilla, Argentina, British Virgin Islands, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com, and for more information about Blue Cross and Blue Shield Association, visit BCBS.com.