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Business Ultimate Health Plan

This is our highest level of cover.

Business Ultimate ensures premium protection anywhere in the world with no annual policy maximum, covering your employees with a wealth of services.

With Business Ultimate we care for all-round health. Our dental and optical options are included, as are a suite of health assessments, such as genetic cancer screening.

Business Ultimate also includes evacuation during non-medical emergencies such as natural disasters, suites at any hospital (where available), extensive maternity cover, and unlimited access to scans, doctors, specialists and therapies.

No annual limit

Coverage: Worldwide

To learn more, please read the Business sales brochure (PDF, 326KB), 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 (PDF, 901KB).

Business Ultimate provides an impressive range of in-patient and out-patient care for your employees. Family doctor visits, prescriptions (drugs and dressings) and maternity benefits (after 10 months) are all included, as are medical evacuations, cancer treatments and obesity surgery (after 2 years, subject to eligibility). Hereditary, congenital and chronic conditions are also covered, as well as transplants and medical rehabilitation, and the following:

Hospital suite accommodation
Non-medical evacuation
Rehabilitation in a health resort
Genetic cancer screening
Dental and optical (including refractive eye surgery)

Request a quote today and one of our advisers will contact you to help you find the right cover for your company.

Alternatively please call us to speak with an adviser.

+44 (0)1273 208186

Detailed list of benefits

Out-patient treatment

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

Wellness (after one year's membership)

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

Up to GBP 5,000 / USD 7,800 / EUR 6,500 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

Consultants' fees, psychologists and psychotherapists' fees for psychiatric treatment (after two years' membership)

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.

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 90 visits each membership year


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

Costs for treatment by a family doctor

We pay for family doctor treatment.

Paid in full

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

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.

Paid in full

In-patient treatment

Hospital accommodation

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

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

Nursing care, drugs and surgical dressings

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

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

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

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

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

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

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

Mental health treatment

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

Paid in full

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

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. Benefit will not be paid unless pre-authorisation has been provided.

Paid in full

Obesity surgery (after two years' membership)

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

Further benefits

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

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

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 125,000 / USD 193,800 / EUR 162,500 maximum benefit for the whole of your lifetime.

Gender Dysphoria

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

Genetic cancer screening

Cover for costs of genetic cancer testing and one pre and one post consultation, only if referred by a doctor, there is an immediate family (bloodline) history and the tests and consultations are carried out at a hospital.

Paid in full

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

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

Inpatient 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.

Paid in full


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

Rehabilitation in a health resort

We pay rehabilitation costs for medically prescribed stays at recognised health resorts following serious illness.

Paid in full for up to 30 days each membership year following serious illness

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

Maternity and childbirth cover (after 10 months' membership)

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

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

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

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

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

Non-medical evacuation in case of conflicts and natural disasters

Costs for evacuation if your return ticket cannot be used due to war, civil commotion, civil war, terrorist incidents, martial law, revolution or other similar situations in the region where you staying. If such a situation was declared and, documented by the Ministry of Foreign Affairs, embassy, or similar institution of the country you are in and arose after you left for the region, or, destructive natural disasters, including but not limited to: • tsunamis, • hurricanes, • earthquakes, • volcanic eruptions, where the solution overwhelms the local capacity, necessitating a request of a national or international level for external assistance, and only if you are travelling outside your specified country of residency and the situation arose after you left for the region.

Paid in full

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

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

Compassionate emergency repatriation

If you are outside of your country of residence and have to terminate your journey prematurely due to death, serious acute illness or injury resulting in hospitalisation of a relative we pay for reasonable additional travel expenses.

Paid in full

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

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

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.

Paid in full

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 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

Dental/Optical treatment

Dental treatment

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


We pay: maximum of one eye test each membership year, which includes the cost of your consultation and sight/vision testing, 75% of eligible costs for spectacle and contact lenses which are prescribed to correct a sight/vision problem, such as short or long sight, 75% 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.

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

Refractive eye surgery

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

U.S. cover

U.S. cover

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.



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

Administration / registration fees

Advance payments / deposits

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


Desensitisation and neutralisation

Developmental problems

Donor organs



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

Health hydro, nature cure clinics and related treatments

Genetic testing

Illegal Activity

Infertility treatments

Mechanical or animal donor organs


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

Physical aids and devices

Pre-existing conditions

Preventive and wellness treatment

Persistent vegetative state (PVS) and neurological damage

Reconstructive or remedial surgery

Sexual problems

Sleep disorders

Speech disorders

Stem cells


Temporomandibular joint (TMJ) disorders

Travel costs for treatment

Treatment for or related to Gender Dysphoria

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.

Unrecognised medical practitioner, hospital or healthcare facility

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 Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, 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 (opens in a new window), and for more information about Blue Cross and Blue Shield Association, visit (opens in a new window).