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Health plan details

Company Essential

Our Company Essential health insurance plan includes key coverage to protect you, your employees and their families 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 medical care when it is needed most, allowing plan members to manage everyday medical expenses themselves.

Annual maximum coverage of GBP 2,000,000 / USD 3,400,000 / EUR 2,500,000

This product is a result of the collaboration between two of the most respected names in global healthcare, Bupa Global and
Blue Cross Blue Shield Global.

Essential includes cover for:

  • in-patient and day-case treatment
  • cancer treatment
  • head and body scans
  • Everyday Resources – Your Global Employee Support Programme
  • hospice and palliative care
  • rehabilitation
  • transplant services
  • newborn care
  • prosthetic devices
  • local air and road ambulance
  • 28 days emergency cover for the U.S.


  • optional assistance (evacuation and repatriation) cover
  • optional U.S. cover

To learn more, and for full details of the rules and benefits, including any limits of the Company plan, refer to the Company Membership Guide (PDF, 872KB).

Detailed list of benefits

Out-patient treatments

Accident-related dental treatment

We define this as the treatment of a sound natural tooth due to dental trauma caused by accident or injury. Dental treatment that falls outside of this definition is not covered (unless specifically stated) by your policy.

We pay up to GBP 240 / USD 410 / EUR 300 each membership year

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.

In-patient treatment

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.

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.

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.

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.

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).

Pathology, X-rays, diagnostic tests and therapies are paid in full.

Prophylactic surgery

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

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.

Prosthetic implants and appliances are paid in full.

Reconstructive surgery

We pay for 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 current continuous cover.

Paid in full

Parent accommodation

Room and board costs for a parent staying in hospital with their child when the costs are for one parent or legal guardian only, you are staying with a child up to 18 years old and the child is insured and receiving treatment that is covered.

Parent accommodation is 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. We pay for a total of 90 days’ mental health treatment in hospital during your lifetime.

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.

Advanced imaging costs are 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.

Cancer treatments are paid in full.

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.

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

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.

Home nursing after inpatient 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 10 days each membership year.

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.

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 90 / USD 150 / EUR 110 each night up to 20 nights each membership year.

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.

Paid in full

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.


All treatment (including routine preventive care, check-ups and immunisations) required for the newborn during the first 90 days following birth, instead of any other benefit. Newborn care benefits do not apply for children born as a result of assisted reproduction techniques, ovulation induction treatment, born to a surrogate or who have been adopted, as these children can only join once they are 91 days old

We pay up to GBP 90,000 / USD 150,000 / EUR 110,000 maximum benefit for all treatment received during the first 90 days following birth.

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


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 42 days of treatment each membership year when this is received in hospital

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

Kidney dialysis

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

Paid in full

Optional benefits

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.

When eligible treatment takes place in the U.S. using the U.S. provider network, benefit is paid at 100%. When eligible treatment takes place in the U.S. but outside of this network, benefit is paid at reasonable and customary costs.

Please note that all treatment must be pre-authorised, so contact us first to get peace of mind.

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.

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.

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.

Discover the benefits

Download the Company Membership Guide

Benefits stated in the membership guide are for illustrative purposes only. Please refer to your membership documents or MembersWorld for current documentation relating to your policy.

Contact us

If you’re based in the European Economic Area you can call us on

+353 17617331

or email to discuss the best plan to suit your needs.

If you’re based in the rest of the world, excluding the UK, European Economic Area and United Arab Emirates, you’ll need to speak to a broker who can help you find a policy that’s right for you.

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).