How does it work?

To join Bupa Global’s Oil and Gas plan, you must work on oil rigs in the oil and gas industry. This is a group policy and must include three or more employees.

You can receive treatment from any recognised hospital, clinic, or legally qualified medical practitioner.

We also have a network of more than 7,500 hospitals and clinics, which we can often arrange to pay directly on your behalf (this is known as direct settlement).

Our Healthline service will help you find a suitable medical professional.

When you know that you need to seek medical advice and/or treatment, we ask that you contact us first. This allows us to check your cover, confirm that your proposed treatment is eligible for payment, and in many cases, contact your medical provider to arrange direct settlement.

There are two ways that your medical treatment can be paid:

Direct settlement

• • You contact us to advise what treatment you intend to receive.
• • We confirm that treatment is eligible and that we can ‘pre-authorise’ (guarantee payment) of it.
• • We send pre-authorisation to you and the provider of your treatment.
• • You complete and sign the pre-authorisation form.
• • Your medical provider attaches the invoice(s) for your treatment and returns with the pre-authorisation documents to us.
• • We process the claim and pay your medical provider directly.
• • We send you a ‘payment statement’ advising when and how it was paid, and who received the payment.
• • You settle any shortfall with your medical provider.

Pay and claim

• • You contact us to advise what treatment you intend to receive.
• • We confirm your cover and benefit limits.
• • You receive treatment and pay your medical provider (usually at time of treatment).
• • You and your medical provider fully complete a claim form and return the claim form to us.
• • We process the claim and pay you*.
• • We send you a ‘payment statement’ advising when and how it was paid, and who received the payment.

Wherever possible, we will follow the instructions given to us in the payment section of the claim form.

• • We can pay you, the principle member (applicant) or your medical provider.
• • We can pay by cheque or by electronic bank transfer.
• • We can pay in over 80 currencies.

Bupa Global Company (Oil and Gas) plan covers you for the costs of specialist treatment of acute conditions. By this we mean treatment of diseases, illnesses or injuries which respond quickly to medical or surgical care and is likely to lead to a full recovery, or to restore you to your previous state of health, without you having to receive prolonged treatment.

The cover does not include treatment for chronic conditions. These are diseases, illnesses or injuries which are long-standing, such as diabetes or multiple sclerosis.

There are certain conditions and treatments that we do not pay for on any level of coverage. For further details on any of the exclusions below, please contact us.

Excluded conditions and treatments:

• • ageing and puberty
• • allergies/allergic disorders
• • artificial life maintenance
• • birth control
• • chronic conditions
• • complications from excluded or restricted treatment
• • conflict and disaster
• • congenital conditions
• • convalescence and admission for general care
• • cosmetic treatment
• • deafness
• • dental treatment/gum disease
• • dialysis
• • donor organs
• • drugs and dressings for out-patient and take-home use***
• • experimental treatment
• • eyesight
• • family doctor treatment***
• • footcare
• • genetic testing
• • harmful or hazardous use of alcohol, drugs and/or medicines
• • health hydros, nature cure clinics, etc
• • hereditary conditions
• • HIV/AIDS
• • infertility treatment
• • maternity
• • obesity
• • persistent vegetative state (PVS) and neurological damage
• • personality disorders
• • physical aids and devices
• • pre-existing conditions
• • preventive and wellness treatment
• • reconstruction or remedial surgery
• • self-inflicted injuries
• • sexual problems/gender issues
• • sleep disorders
• • speech disorders
• • stem cells
• • surrogate parenting
• • travel costs for treatment
• • unrecognised medical practitioner, provider or facility

Beyond the benefit limits of your policy, we only pay costs when the charges made by the provider of services are reasonable and customary. By this we mean that the charges are the same as those made to our members by the majority of other service providers in the same country; and also that they are not more than the provider would normally charge.

We will process your claim as quickly as possible. You can check the progress of claims** you have made via our MembersWorld website or by contacting us.

As a Bupa Global member, you can call our Medical Centre at any time of the day or night, all year round 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.

Medical Centre: +44 (0)1273 333 911

General Enquiries: +44 (0)1273 323 563

Email us via our MembersWorld website

We are always pleased to hear about aspects of your membership that you have particularly appreciated, or that you have had problems with. If something does go wrong, here is our simple procedure to ensure your concerns are dealt with as quickly and effectively as possible.

Getting in touch

If you have any comments or complaints, you can call the Bupa Global customer helpline on +44 (0) 1273 323563, 24 hours a day, 365 days a year. Alternatively, you can email via MembersWorld, or write to us at:

Bupa Global
Russell Mews
Brighton
BN1 2NR
UK

We want to make sure that members with special needs are not excluded in any way. For hearing and speech impaired members who have a textphone, please call +44 (0) 1273 866557.

We also offer a choice of Braille, large print, or audio for our letters and literature. Please let us know which you would prefer.

Taking it further

If we have not been able to resolve the problem and you wish to take your complaint further, please call the Bupa Global customer helpline on +44 (0) 1273 323 563 or write to the Head of Customer Relations at:

Bupa Global
Russell Mews
Brighton
BN1 2NR
UK

It’s very rare that we can’t settle a complaint, but if this does happen, you may refer your complaint to the Financial Ombudsman Service.
You can write to them at:

South Quay Plaza
183 Marsh Wall
London
E14 9JR

Call them on:
0845 080 1800 (from inside the UK only)
+44 (0) 20 7964 1000 (from outside the UK)

Find details at their website:
www.financial-ombudsman.org.uk

Please let us know if you want a full copy of our complaints procedure. (None of these procedures affect your legal rights).

Yes, as a group secretary of a Company plan, you will have access to our CorporateWorld website where you can:

• • manage employee details
• • manage payment details
• • access useful documents such as membership guides and claim forms

Yes, as a Bupa Global member you will have access to our MembersWorld website where you can:

Your sponsor (your organisation) has to pay any and all subscriptions due to Bupa Global, together with any other charges (such as insurance premium tax) that may be payable.

The renewal of your membership is subject to your sponsor renewing your membership.

The Bupa Global Company plan is a group insurance policy. You are therefore one of a group of members, which has a sponsor (normally the company you work for). The person who runs the membership within your organisation is usually referred to as the group secretary.

The plan is governed by an agreement between your sponsor and Bupa Global, which covers the terms and conditions of your membership. This means that there is no legal contract between you and Bupa Global. Only the sponsor and Bupa Global have legal rights under the agreement relating to your cover, and only they can enforce the agreement.

As a member of the plan, you do have access to our complaints process. This includes the use of any dispute resolution scheme we have for our members.

Your sponsor (organisation) can end your membership, or that of any of your dependents, from the first day of a given month by writing to us. We cannot backdate the cancellation of your membership.

Yes, if your group policy ends, you can apply to transfer to a personal Bupa Global policy.

We update this website regularly and are sorry that you haven’t found the information you were looking for on this occasion.

Please contact us and an adviser will answer your queries.