BUSINESS ULTIMATE

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

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

We will pay after you have been a member of the plan (or any Bupa administered plan which includes cover for psychiatric treatment) for the whole of the two years leading up to the psychiatric treatment.

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

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

Paid in full

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

Paid in full - standard suite

We pay for nursing services, drugs and surgical dressings you need as part of your treatment in hospital. Note: we do not pay for nurses hired in addition to the hospital’s own staff. In the rare case where a hospital does not provide nursing staff we will pay for the reasonable cost of hiring a qualified nurse for your treatment.

Paid in full

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

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

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

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

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

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

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.

Paid in full

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.

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.

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

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

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

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

Paid in full

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

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

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

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

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

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.

Paid in full

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

We pay: • 100% of preventive treatment (such as check-ups, X-rays, scale and polishing), • 100% 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.

We pay up to GBP 10,000 / USD 15,500 / EUR 13,000 maximum benefit each membership year

Costs of refractive surgery for astigmatism and myopia / hyperopia, subject to Bupa Global’s medical policy criteria, when, you have 3 dioptres or greater on the eye being treated, and the treatment is provided by an accredited recognised practitioner, hospital or clinic.

We pay for one surgery per eye for the whole of your lifetime

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.

Included

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

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.