Useful documents

Welcome to our download centre

This is where you'll find all the literature you need to support your client conversations - including the latest membership and sales guides, claim and application forms, as well as overviews of our Individual and Business plans. If you can't find what you're looking for, please get in touch with your Bupa Global representative, who will be happy to help.

Sales support

The purpose of this page is to help distributors meet their responsibilities under PROD 4.3, which requires you to obtain and understand or identify:

the intended value of the insurance products established by Bupa Global
any effect the distributor may have on the intended value that has not been fully taken into account by the firm when assessing value, and therefore which the distributor should take into account
any type of customer for whom the insurance product is unlikely to provide fair value
the characteristics of each insurance product
the target market of each insurance product
the outcomes of the fair value assessments.

This page is a place for you to get that information and includes links to:

target market statements and distribution strategies
Bupa Global’s approach to monitoring products, including summaries of our fair value assessments and any conclusions we make
Bupa Global’s approach to managing conflicts of interest.

Fair value assessment summaries

We carry out a fair value assessment every year on our FCA regulated products to assess that:

• remuneration is proportionate to BINS’ costs
• the total benefits provided are proportionate to the costs
• the distribution strategy remains appropriate.

Download the Fair Value Assessment - Individual Segment document (PDF, 38KB)

Download the Fair Value Assessment - SME Segment document (PDF, 38KB)

Target market statements and distribution strategies

BINS has identified groups of customers for whom its products provide value, and those customers, for whom the product is unlikely to provide value. This is summarised in our ‘target market statements’. When selecting a suitable product for your customer they should meet the relevant criteria in order for the product to meet their needs.

As part of our product design process and annual product reviews, we review our distribution strategy to decide which channels and medium are appropriate for selling individual products.

We expect you to be able to distribute BINS products in line with our distribution strategy. All intermediaries must comply with the terms, limitations and restrictions as set out in their ‘terms of business agreement’ with Bupa.

Download the Target Market Statement document (PDF, 121KB)

Bupa’s approach to monitoring products

Product lifecycle management ensures our products continue to meet the needs of our target market. We assess our products, from initial development and propositions, through to ongoing monitoring of the product when people are using it.

We have summarised our approach to monitoring products, including our ‘product approval process’ and our ‘lifecycle management’, to help you understand how we assess value and the data-points used to reach our conclusions.

Download the Product Approval Process document (PDF, 34KB)

Bupa’s approach to conflicts of interest

We have identified some conflicts of interest and documented our high-level approach to managing these.

Download the Conflicts of Interest document (PDF, 40KB)

Pricing

Talking to clients about pricing isn't always easy. This guide contains answers to some frequently asked questions that may help with these conversations.

Download the guide (pdf) for use in the UK and rest of the world (PDF, 349KB).