BUSINESS ELITE

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

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

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

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.

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

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

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

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

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

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

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

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

After two years’ membership on this health plan, we may pay, subject to Bupa Global’s medical policy criteria, for bariatric surgery if it is medically necessary for you to undergo the procedure. Please see Membership Guide for full details of this benefit including any limitations or restrictions to access

Paid in full, subject to annual limit

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

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

Paid in full

This benefit is paid instead of any other benefit for all hormonal and surgical treatment for or related to gender dysphoria.

Any mental health treatment for or related to gender dysphoria is paid from the mental health benefit and is subject to the limits that apply to the mental health benefit.

Exclusions apply.

We pay up to GBP 61,000 / USD 104,000 / EUR 76,000 per membership year

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

Paid in full, subject to annual limit

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

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

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

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

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

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

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.

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

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

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

We pay 100% of preventive treatment (such as check-ups, X-rays, scale and polishing), 80% of routine treatment (such as fillings, extractions and root canal therapy), 50% of major restorative (such as crowns, bridges or implants) and 50% 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.

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

We do not pay for:

• any surgical treatment (including cosmetic treatment) for or related to gender dysphoria unless:


• you have lived continuously for at least 12 months in the gender role that is congruent with your gender identity; and


• we have received referral letters from two independent psychologists and/or psychiatrists detailing your personal and treatment history, progress and eligibility and confirming that such treatment is medically necessary for treating gender dysphoria; and, in any event


• any treatment (surgical or non-surgical) for or related to gender dysphoria where such treatment is unlawful and/or gender dysphoria is not a clinically recognised condition in the country of treatment.