Bupa Global

WORLDWIDE HEALTH OPTIONS

Select Health Plan Bupa Global

Worldwide Health Options is our flexible insurance plan for individuals and families. It's a modular plan that allows you to mix and match options to suit your health insurance needs.

It includes our core cover, Worldwide Medical Insurance, as standard, which gives you access to essential hospital treatment.

Of course, you may wish to be covered for a wider variety of conditions and treatments, which is why we offer options that you can choose to add to your plan. In the tabs below you can get an overview of what these options cover.

Bupa Global's Worldwide Health Options gives you Bupa worldwide cover in a way that suits you best. Choose from a range of options to build a tailored plan that will give you and your family access to the quality private medical facilities and services you need to manage your health and wellbeing.

WORLD WIDE MEDICAL INSURANCE

This is the core of our Worldwide Health Options plan - every member gets this as standard. You can manage a range of add-on options to create a plan that's just right for you.


Worldwide Medical Plus

Out-patient consultations and treatments

Worldwide Wellbeing

Health screenings plus dental and optical costs

Worldwide Medicines and Equipment

Prescriptions, plus hire of medical equipment

Worldwide Evacuation

When you need treatment that isn't available locally


USA Cover

Necessary treatment in the USA while visiting

Health plan details

Explore the range of benefits included with Bupa Worldwide Health Options

Core Cover - Worldwide Medical Insurance

Worldwide Medical Insurance is the core of our Worldwide Health Options plan - every member gets this as standard. You can then choose from a range of add-on options to create a plan that's just right for you.

The annual overall limit is

GBP 1,700,000 / EUR 2,125,000 / USD 2,890,000

What it covers

Worldwide Medical Insurance covers you for essential hospital treatment, whether you are admitted in an emergency or your visit is pre-planned, including:

  • consultation fees
  • surgery
  • cancer treatment
  • advanced medical imaging like CT and MRI scans
  • emergency dental treatment
  • staying in hospital

Detailed list of benefits

In-patient care

For all treatment costs, where you are admitted to hospital

For all treatment costs, where you are admitted to hospital

Limit
Emergency dental treatment

Dental treatment in hospital after a serious accident requiring hospitalisation

Paid in full
Psychiatric treatment overnight in hospital, including room, board and treatment costs

Treatment of mental health problems, including eating disorders

90 days lifetime limit

Psychiatric treatment as a day-case, including room, board and treatment costs

Treatment of mental health problems, including eating disorders

Paid in full for up to 20 days each membership year

Prosthetic devices

An external artificial body part, such as a prosthetic limb or prosthetic ear. The initial device needed as part of your treatment

Up to GBP2,000 / EUR2,500 / USD3,400  per device

Operating room, medicines and surgical dressings

Operating room, recovery room, medicines and dressings used during your hospital stay when you have surgery

Paid in full
In-patient, day-case and out-patient surgical operations, including surgeons’ and anaesthetists’ fees

In-patient, day-case and out-patient surgical operations, procedures including surgeons’ and anaesthetists’ fees as well as treatment needed immediately before and after the surgery on the same day

Paid in full
Intensive care, intensive therapy, coronary care and high dependency unit

Room and board costs when staying in hospital or intensive care, intensive therapy, coronary care or high dependency unit when required as part of your treatment

Paid in full
Pathology, X-rays and diagnostic tests

Investigations such as blood or urine tests, electrocardiograms (ECGs) and X-rays used to help diagnose or assess your condition when you are in hospital

Paid in full
Specialist consultation fees

Meetings with or treatment by a specialist during your stay in hospital

Paid in full
Physiotherapy, chiropractor and osteopathy, therapists, complimentary therapists, dietician and speech therapists

Physical therapies including occupational therapy, physiotherapy and complementary therapies if needed as part of your treatment in hospital

Paid in full
Staying in hospital overnight or as a day case

Room and board costs when staying in hospital overnight or as a day-case

Paid in full
Parent accommodation

Room and board costs when staying in hospital with your child

Paid in full
Kidney dialysis

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

Paid in full

Nursing care

Nursing services provided in hospital

Paid in full

Hospitalisation cash benefit

Payable for each night you stay in hospital for covered treatment, if you have not been charged for your room and board or treatment

GBP100 / EUR125 / USD170 each night for a maximum of up to 30 nights each membership year
Prosthetic implants and appliances

Paid in full
Transplant services

Medical expenses for treatment in hospital, including donor expenses for organ harvesting if the recipient is a Bupa Global member

For each condition, up to GBP150,000 / EUR 187,500 / USD255,000

Bupa Global must be notified about any hospitalisation before the 5th night to approve any further treatment. All benefits are per policy year unless otherwise specified. Please download the Health Plan Guide for further detail

Hospice and Rehabilitation

Cover for care in or outside the home, aiming to provide comfort and/or rehabilitation

Cover for care in or outside the home, aiming to provide comfort and/or rehabilitation

Limit

Home nursing

Payable for home nursing immediately after you have had treatment in hospital which is covered under this plan

Paid in full up to 30 days each membership year

Hospice and palliative care

Expenses following the diagnosis that your condition is terminal, when you can no longer have treatment which will lead to your recovery

Up to GBP 20,000 / EUR 25,000 / USD 34,000 per lifetime

Rehabilitation

A combination of therapies aimed at either restoring full function or the ability to live independently

Paid in full up to 30 days for each condition

All benefits are per policy year unless otherwise specified. Please download the Health Plan Guide for further detail

Maternity/Childbirth

Limit
Childbirth and treatment in hospital

Hospital charges, obstetricians' and midwives' fees for delivery and up to seven days' routine care for your baby, and pregnancy and childbirth complications. Available once the mother has been a member for 24 months

Each membership year, up to GBP 8,000 / EUR 10,000 / USD 13,600

Childbirth at home or birthing centre

Midwives' or other specialists' fees for delivery. Available once the mother has been a member for 24 months

Each membership year, up to GBP 650 / EUR 810 / USD 1,105

Complications of maternity and childbirth

Treatment which is medically necessary as a direct result of pregnancy and childbirth complications. Available once the mother has been a member for 24 months

Paid in full

Medically essential caesarian section

Hospital charges, obstetricians' and other  medical fees for delivery. Available once the mother has been a member for 24 months or more

Each membership year, up to GBP 13,000 / EUR 16,250 / USD 22,100

Newborn care

All treatment required during the first 90 days following birth for children covered under your plan. Newborn care benefits do not apply for children born as a result of assisted reproduction technologies, ovulation induction treatment, born to a surrogate or who have been adopted, as these children can only join once they are 91 days old.

GBP 75,000 / EUR 93,750 / USD 127,500


In-patient and/or out-patient care

Test and treatment that may or may not require hospitalisation

Test and treatment that may or may not require hospitalisation

Limit
Advanced imaging

Diagnostic imaging such as magnetic resonance imaging (MRI) whether staying in hospital overnight, as a day-case or as an out-patient

Paid in full
Cancer treatment

Treatment you receive for or related to cancer, once it has been diagnosed, whether staying in hospital overnight, as a day-case or as an out-patient

Paid in full
Treatment of congenital and hereditary conditions

Treatment of congenital conditions (present at birth) or hereditary conditions (passed down through generations of your family)

Each membership year, up to GBP 20,000 / EUR 25,000 / USD 34,000

Please download the Health Plan Guide for further detail about terms and conditions or exclusions

Transportation/travel

Transport costs to the nearest appropriate place of treatment, when it is not available nearby

Transport costs to the nearest appropriate place of treatment, when it is not available nearby

Limit
Local air ambulance

Medically necessary travel by local air ambulance, such as a helicopter, when related to covered hospitalisation

For each membership year, up to GBP 5,000 / EUR 6,250 / USD 8,500

Local road ambulance

Medically necessary travel by local road ambulance when related to covered hospitalisation

Paid in full

We will only pay if all arrangements are agreed and approved in advance by Bupa Global. All benefits are per policy year unless otherwise specified. Please download the Health Plan Guide for further detail

Exclusion

Exclusion

General exclusions

  • Artificial life maintenance:

    • including mechanical ventilation, where such treatment will not or is not expected to result in your recovery or restore you to your previous state of health
  • Example: We will not pay for artificial life maintenance when you are unable to feed or breathe independently and require percutaneous endoscopic gastrostomy (PEG) or nasal feeding for a period of more than 90 continuous days.


    Birth control:

    • contraception
    • sterilisation
    • vasectomy
    • termination of pregnancy unless there is a threat to the mother’s health
    • family planning, such as meeting with your doctor to discuss becoming pregnant or contraception

    Conflict and disaster:

    We shall not be liable for any claims which concern, are due to or are incurred as a result of treatment for sickness or injuries directly or indirectly caused by you putting yourself in danger by entering a known area of conflict (as listed below) and/or if you were an active participant or you have displayed a blatant disregard for your personal safety in a known area of conflict:

    • nuclear or chemical contamination
    • war, invasio, acts of a foreign enemy
    • civil war, rebellion, revolution, insurrection
    • terrorist acts
    • military or usurped power
    • martial law 
    • civil commotion, riots, or the acts of any lawfully constituted authority
    • hostilities, army, naval or air services operations whether war has been declared or no
  •  
  •  
  • Convalescence and admission for general care, or staying in hospital for:
    • convalescence, pain management, supervision
    • receiving only general nursing care
    • therapist or complementary therapist services
    • domestic/living assistance such as bathing and dressing
    • treatment that could take place as day-case or out-patient

    Cosmetic treatment

    Treatment to improve your appearance such as:

    • facelift or re-modelled nose
    • abdominoplasty
    • cosmetic dentistry such as the replacement of a sound, natural tooth with an implant, veneers, etc
    • orthodontic treatment over the age of 19 (we pay for orthodontic treatment under the age of 19 if you have bought the Worldwide Wellbeing option)
    • treatment related to or arising from the removal of non-diseased, or surplus or fat tissue, such as liposuction, whether or not it is needed for medical or psychological reasons
    • hair transplants for any reason
    • surgery to change the shape, enhance or reduce your breast(s) for any reason, except reconstruction following treatment for cancer. Examples: we do not pay for breast reduction for backache, or gynaecomastia (the enlargement of breasts in men)

  •  

  • If your doctor recommends cosmetic treatment to correct a functional problem, for example, excess eye tissue which is interrupting the visual field, your case will be assessed by our clinical teams on an individual basis. If approved, benefits will be paid in line with the rules and benefits of your plan.


    We may pay for prophylactic surgery (surgery to remove an organ or gland that shows no signs of disease, in an attempt to prevent development of disease of that organ or gland) when:

    • there is a significant family history of the disease, for example ovarian cancer, which is part of a genetic cancer syndrome and/or
    • you have positive results from genetic testing (please note that we will not pay for the genetic testing)

    Please contact us for prior approval before proceeding with treatment. It may be necessary for us to seek a second opinion as part of our approval process. Benefit will not be paid unless prior approval has been received. The limit shown under Worldwide Medical Insurance will apply for prophylactic surgery for congenital and hereditary conditions other than cancer.

    Developmental problems:

    • learning difficulties, such as dyslexia
    • behavioural problems, such as attention deficit hyperactivity disorder (ADHD)
    • physical development problems, such as short height
    • developmental problems treated in an educational environment or to support educational development

    Donor organs:

    • mechanical or animal organs, except where a mechanical appliance is temporarily used to maintain bodily function whilst awaiting transplant
    • purchase of a donor organ from any source
    • harvesting or storage of stem cells, when a preventive measure against possible future disease

    Epidemics and pandemics:

    We do not pay for treatment for or arising from any epidemic disease and/or pandemic disease and we do not pay for vaccinations, medicines or preventive treatment for or related to any epidemic disease and/or pandemic disease

    Experimental treatment:

    • treatment or medicine which in our reasonable opinion is experimental based on acceptable current clinical evidence*
    • treatment or medicine which in our reasonable opinion is not effective based on acceptable current clinical evidence*
    • medicines and equipment used for purposes other than those defined under their licence unless this has been pre-authorised

    We will not fund the costs of an experimental treatment or medicine if it is being undertaken as part of a registered clinical trial* and these costs are met by the clinical trial sponsor.
  •  

  • Please contact us for pre-authorisation before proceeding with your treatment.

  • *
    For full definitions, please consult the membership pack.


    Eyesight

    Treatment, equipment or surgery to correct your eyesight such as laser treatment, refractive keratotomy and photorefractive keratectomy, or treatment for keratoconus.

    If you have bought Worldwide Wellbeing cover, your optical benefits will be shown.

    Foetal surgery

    Treatment or surgery undertaken in the womb before birth.

    Footcare

    Treatment for:

    • corns
    • calluses
    • thickened or misshapen nails


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

    Treatment for or arising from the harmful, hazardous or addictive use of any substance including alcohol, drugs and/or medicines.

  • Health hydros, nature cure clinics, etc

    Treatment or services received in:

    • a health hydro
    • a nature cure clinic
    • a spa
    • any similar establishment that is not a hospital

    Infertility treatment

    Treatment to assist reproduction such as:

    • in-vitro fertilisation (IVF)
    • gamete intrafallopian transfer (GIFT)
    • zygote intrafallopian transfer (ZIFT)
    • artificial insemination (AI)
    • prescribed drug treatment
    • embryo transport (from one physical location to another)
    • donor ovum and/or semen and related costs

    We pay for investigations into the cause of infertility when your specialist believes there are symptoms and/or evidence to suggest a medical cause. We will only pay when:

    • both you and your partner have been members of this plan (or any Bupa plan which includes this cover) for two years before the investigations start, and
    • you were both unaware and had not been suffering any symptoms prior to joining


    Obesity

    Treatment for or as a result of obesity such as:

    • slimming aids or drugs
    • slimming classes
    • obesity surgery

    Persistent vegetative state (PVS) and neurological damage

    We will not pay for treatment whilst staying in hospital for more than 90 continuous days for permanent neurological damage or if you are in a persistent vegetative state.

  • Personal exclusions

  • Please check your membership certificate to see if you have any personal exclusions or restrictions on your plan. The exclusions in this section apply in addition to and alongside any such personal exclusions and restrictions.

  • For all exclusions in this section, and for any personal exclusions or restrictions shown on your membership certificate, please note that:

  • we do not pay for conditions which are directly related to excluded conditions or treatment
  • we do not pay for any additional or increased costs arising from excluded conditions or treatments
  • we do not pay for complications arising from excluded conditions or treatments

  • Please refer to the membership pack for full details.

    Personality disorders

    Any treatment for personality disorders, including but not limited to:

    • affective personality disorder
    • schizoid personality (not schizophrenia)
    • histrionic personality disorder

    Pre-existing conditions

    Any treatment for a pre-existing condition, related symptoms, or any condition that results from or is related to a pre-existing condition.

  • Please contact us before your next renewal date if you or your dependants have personal exclusion(s) and believe that there will be no further treatment for that pre-existing condition after your next renewal date. In order for us to review whether to remove any personal exclusions, we may request full current clinical details from your medical practitioner. There are some pre-existing conditions that, due to their nature, we will not review.

  • For more information on buying cover for pre-existing conditions, see the Pre-existing conditions cover option.

    Preventive treatment

    Health screening, including routine health checks and vaccinations, or any preventive treatment, except if you have bought the Worldwide Wellbeing option.

    We may pay for prophylactic surgery when:

    • there is a significant family history of the disease for example ovarian cancer, which is part of a genetic cancer syndrome and/or
    • you have positive results from genetic testing (please note that we will not pay for the genetic testing)

    The limit shown under Worldwide Medical Insurance will apply for prophylactic surgery for congenital and hereditary conditions other than cancer.

  • Please contact us for prior approval before proceeding with treatment. It may be necessary for us to seek a second opinion as part of our approval process. Benefit will not be paid unless prior approval has been received.

    Reconstructive or remedial 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 current continuous membership.

    Please contact us for prior approval before proceeding with treatment. It may be necessary for us to seek a second opinion as part of our approval process. Benefit will not be paid unless prior approval has been received.

    Self-inflicted injuries

    Treatment for or as a result of an injury you have knowingly caused to yourself, such as in an attempted suicide.

    Sexual problems and gender issues:

    • sexual problems, such as impotence, whatever the cause
    • sex changes or gender reassignments

    Sleep disorders:

    • insomnia
    • snoring
    • sleep-related disorders including sleep apnoea
    • participation in sleep studies beyond the initial study

    We may pay for treatment of sleep apnoea when your specialist believes this to be life-threatening. We will only pay for:

    • an initial sleep study
    • surgery, if medically appropriate
    • equipment hire, such as a continuous positive airway pressure (CPAP) machine (only if you have bought the Worldwide Medicines and Equipment option)

    Please contact us for prior approval before proceeding with treatment. It may be necessary for us to seek a second opinion as part of our approval process. Benefit will not be paid unless prior approval has been received.

    Stem cells

  • We do not pay for the harvesting or storage of stem cells, for example ovum, core blood or sperm storage.

  • Temporomandibular joint (TMJ) disorders

    Travel costs for treatment

    Any travel costs related to receiving treatment. For example:

    • taxis or other travel expenses for you to visit a medical practitioner
    • travel time or the cost of any transport expenses charged by a medical practitioner to visit you

    Exceptions:

    • road ambulance cover
    • air ambulance cover
    • you have bought Worldwide Evacuation cover and your travel meets the qualifying conditions of that cover

    Unrecognised medical practitioner, hospital or healthcare facility

    Treatment provided:

    • by a medical practitioner, hospital or healthcare facility who is not recognised by the relevant authorities in the country where the treatment takes place as having specialised knowledge, or expertise in, the treatment of the disease, illness or injury being treated
    • self treatment or treatment provided by anyone with the same residence, Family Members (persons of a family, related to you by blood or by law or otherwise). A full list of the family relationships falling within this definition are available on request
    • by a medical practitioner, hospital or healthcare facility to whom we have sent written notice that we no longer recognise them for the purposes of our plans. You can contact us by telephone on +44 (0) 1273 323 563 for details of treatment providers we have sent written notice to or visit Facilities Finder

    USA treatment

    If you have not bought cover for the USA, then we will not pay for treatment received in the USA.

    If you have bought cover for the USA, we will not pay for treatment received there when:

    • prior approval for your treatment was not given by our service partner in the USA
    • we know or suspect that you purchased cover and travelled to the USA for the purpose of receiving treatment for a condition, when you had already experienced symptoms of that condition. This applies whether or not your treatment was the main or sole purpose of your visit

    If you have previously disclosed a pre-existing condition to us which is listed on your membership certificate and we have not specifically excluded cover for the costs of treatment of the pre-existing condition, this will not apply for any treatment you receive in the USA in respect of that pre-existing condition. If you receive treatment in the USA for a pre-existing condition which is shown on your membership certificate, you will not be covered for the costs of such treatment irrespective of whether the pre-existing condition was disclosed to us and is shown on your membership certificate.

Additional Cover Options

There are seven additional cover options available on Worldwide Health Options, so you can add to your core cover Worldwide Health Insurance and create a plan to match your needs.

  • Option
    Worldwide Medical Plus
  • Option
    Worldwide Medicines and Equipment
  • Option
    Worldwide Wellbeing
  • Option
    USA Cover
  • Option
    Worldwide Evacuation

Worldwide Medical Plus

Worldwide Medical Plus is for consultations with a doctor or specialist and treatments that do not require a hospital stay
The annual overall limit is GBP 25,000 / EUR 31,250 / USD 42,500

What it covers

Worldwide Medical Plus cover includes:

  • maternity
  • young child care
  • physiotherapy, osteopathy and chiropractor treatment
  • consultations and treatment with therapists and complementary therapists
  • psychiatrists' and psychologists' fees
  • speech therapy
  • pathology, X-rays and diagnostic tests
  • accident-related dental treatment

What it doesn't cover

Of course there are some things that this option doesn't cover - see below for more details of cover limits, and the exclusions section for what's not included under this plan.


Physiotherapy, osteopathy and chiropractor treatment


Physical therapies aimed at restoring your normal physical functions

Paid in full up to 30 visits each membership year


Specialists' consultation and doctors' fees


Consultations or meetings with your specialist or doctor for diagnosis, to arrange or receive treatment or as a follow-up to treatment already received

Paid in full up to 35 visits each membership year


Consultations and treatment with therapists, complementary therapists and qualified nurses


Occupational or orthoptic therapy, acupuncture, homeopathy and Chinese medicine from appropriately qualified and registered practitioners

Paid in full up to 15 visits each membership year


Psychiatrists', psychologists' and psychotherapists fees


Assessment and treatment of mental health conditions

Paid in full up to 30 visits each membership year


Speech therapy


Provided on a short-term basis following a condition such as a stroke

Paid in full


Pathology, X-rays and diagnostic tests


Investigations such as blood or urine tests, radiology such as X-rays, and diagnostic tests such as electrocardiograms (ECGs) and hearing tests

Paid in full


Young child care


Routine preventive care and immunisations for children up to the age of five covered under this plan

Each membership year, up to GBP 1,000 / EUR 1,250 / USD 1,700


Maternity


Pre and post natal care, including up to seven days' routine care for your baby, and pregnancy and childbirth complications. Available once the mother has had this option on their policy for 24 months or more

Each membership year, up to GBP 3,000 / EUR 3,750 / USD 5,100


Accident-related dental treatment


We pay for accident-related dental treatment received from a dental practitioner during an emergency visit. Treatment must take place within 30 days of the accident.

Each membership year, 80% up to GBP 500 / EUR 625 / USD 850


Transplant services


Costs for treatment received by you or your donor for transplant related treatment which has not been provided during a stay in hospital, such as specialists' fees, diagnostic tests and physiotherapy

Each condition, up to GBP 50,000 / EUR 62,500 / USD 85,000


Worldwide Medicines and Equipment

Worldwide Medicines and Equipment helps cover you for the things you need as part of your treatment or rehabilitation, including our unique cover for long-term prescriptions.

What it covers

Worldwide Medicines and Equipment cover includes:

  • prescription medicines and dressings
  • hire of medical equipment, such as oxygen supplies and wheelchairs
  • long-term prescriptions for medicines you need to manage a chronic condition like asthma

Prescribed medicines and dressings / Durable medical equipment rental


Medicines and dressings prescribed for you by your medical practitioner if you have a disease, illness or injury

Each membership year, up to GBP 1,500 / EUR 1,875 / USD 2,550


Durable medical equipment rental


Durable medical equipment such as crutches or a wheelchair (limited to 45 days each condition, each membership year)

Each membership year, up to GBP 1,500 / EUR 1,875 / USD 2,550


Long-term prescription medicines


Medicines prescribed for long-term use of six months or more Available after you have been covered on this option for three years

Each membership year, 80% up to GBP 10,000 / EUR 12,500 / USD 17,000

Lifetime limit: GBP 60,000 / EUR 75,000 / USD 102,000


Worldwide Wellbeing

Worldwide Wellbeing is designed to help you stay healthy and manage your own and your family's health and wellbeing. It covers a range of medical screenings and preventative treatments from cancer screening to optician visits.

The annual overall limit is GBP 5,000 / EUR 6,250 / USD 8,500

What it covers 

Worldwide Wellbeing cover includes:

  • full health screening
  • screening for breast, cervical, prostate and colon cancers
  • bone density scans
  • consultations with a dietitian
  • vaccinations and immunisations
  • dental check-ups, treatment and hygienist services
  • orthodontics
  • eye tests and prescription glasses and contact lenses

Screening and prevention


Full health screen: a range of routine tests to review your state of health and could include tests such as high cholesterol, diabetes, liver and kidney function and cardiac risk assessment. Available after you have been covered on this option for one membership year, and then each alternate membership year

  • Mammogram
  • Papanicolaou (PAP) test
  • Prostate cancer screen
  • Colon cancer screen
  • Bone densitometry
  • Four dietetic consultations
  • Vaccinations

Any of the above treatments can be received each membership year, up to a cumulative total of GBP 600 / EUR 750 / USD 1,020


Dental


Preventive: routine check-ups and hygienist services. Available after you have been covered by this option for six months. (Level of cover: every membership year, 100% up to cover limit below) Routine and major restorative: treatment of a dental problem including fillings, root canal treatment and crowns or implants. Available after you have been covered on this option for six months. (Level of cover: every membership year, 80% up to cover limit below) Orthodontic: treatment including consultations, X-rays, extractions and braces or retainers. Available up to the age of 19 after you have been covered on this option for two years. (Level of cover: every membership year, 50% up to cover limit below)

Any of the above treatments can be received, within individual limits as above, up to a cumulative total each membership year of GBP 3,500 / EUR 4,375 / USD 5,950


Optical


Eye test (including consultation): meeting and tests with an eye specialist to assess your sight and vision. Spectacle and contact lenses: prescribed by your eye specialist to correct a problem such as long or short sight. Spectacle frames: if you have been prescribed spectacle lenses.

  • Eye test (including consultation): one each membership year, 100% cover)
  • Spectacle and contact lenses:  80%)
  • Spectacle frames: once every two membership years, 80% up to GBP 150 / EUR185 / USD 255)


USA Cover

USA Cover can be added to your Worldwide Health Options plan if you visit the USA regularly, in case you need medical treatment while you are there.

What it covers

The USA Cover option includes:

  • access to medical treatment
  • network of quality hospitals and other treatment providers
  • direct settlement of all covered expenses

What it does not cover

This option isn't for you if:

  • you spend most of your time in the USA - you'll need to buy USA cover on an annual basis and not as an option on this plan
  • you're a permanent USA resident - in that case you must be covered by a local insurance company



Worldwide Evacuation

Worldwide Evacuation is for when you need treatment that isn't available locally. You can be evacuated to the nearest suitable hospital or repatriated to your home country, so you can be treated in familiar surroundings near your family and friends.

What it covers

Worldwide Evacuation cover includes:

  • evacuation
  • repatriation
  • travel costs for accompanying person
  • travel costs for the transfer of minor children
  • living allowance
  • repatriation of mortal remains
  • compassionate visit by a close relative

What it doesn't cover

Of course there are some things that this option doesn't cover - see below for more details of cover limits, and the exclusions section for what's not included under this plan.


Cover for Pre-existing Conditions (Outside the USA)

With Worldwide Health Options, you can now apply for cover for pre-existing conditions, even if these were excluded from your insurance cover in the past.

Pre-existing conditions are any diseases, illnesses or injuries which you have experienced symptoms from, or for which you have received medication, advice or treatment, within last the seven years.

Your medical history is unique, so to allow us to consider your pre-existing condition and to provide a personalised quote, we need to speak to you directly. Please call us on the number below to talk it through.

Talk to us about your medical history

Call +44 (0) 1273 322301 between 8am and 6pm GMT Monday to Friday

Deductibles

Deductibles are the contributions you make towards the cost of your treatment. Adding deductibles to your Worldwide Health Options plan can help you to make your chosen plan more affordable – the higher the deductible, the lower your subscription.

If you choose to have a deductible on your core Worldwide Medical Insurance cover, deductibles will also apply if you opt for Worldwide Medical Plus or Worldwide Medicines and Equipment (deductibles don't apply to Worldwide Wellbeing, Worldwide Evacuation or USA cover).

You choose the value of your Worldwide Medical Insurance deductible, although the Worldwide Wellbeing and Worldwide Medicines and Equipment deductibles are fixed. You can see the deductible rates in the table below.

World Medical Insurance

£ Sterling € Euro $ US
250 300 425
500 675 850
1,000 1,250 1,700
2,000 2,500 3,400
5,000 6,250 8,500

Options

Worldwide Medical Plus
100 125 170
Worldwide Medicines and Equipment
50 60 80

How deductibles are applied

Deductibles apply separately for treatment you have under each of the options in your Worldwide Health Options plan. For example:

You choose a plan that includes Worldwide Medical Insurance (core) and Worldwide Medical Plus (option) and opt for a GBP 500 deductible for your Worldwide Medical Insurance. This means that a deductible will also apply to your Worldwide Medical Plus – this is fixed at GBP 100.

You break your leg and are treated in hospital (covered by your Worldwide Medical Insurance)

  • cost of treatment - GBP 1000
  • deductible (amount paid by you) - GBP 500
  • amount paid by us - GBP 500

Then you need physiotherapy (covered by your Worldwide Medical Plus option)

  • cost of treatment - GBP 300
  • deductible (amount paid by you) - GBP 100
  • amount paid by us - GBP 200

Deductibles don't affect the way in which we pay for your treatment. If we have agreed to settle your bill direct with your health provider, we will still do this in full (for eligible treatment and up to any limits), and then simply collect your deductible from you using your direct debit agreement or credit card authorisation. If you are paying for your treatment and claiming it back from us, we'll make the deduction from your claim before paying you.

For full details, plus terms and conditions, including waiting periods for certain benefits associated with this health plan, please download the full list of benefits and exclusions.

Download full list of benefits and exclusions

Want to speak to an adviser?

If you have questions about this health plan, or would like help choosing the right level of cover, please get in touch. 

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The Bupa Global difference

Over 40 years of medical expertise and dedication to health. A global team of advisers and health experts who, between them, speak multiple languages – and a service that exceeds expectations. These are just a few of the things that make Bupa Global different. Explore how we provide you with world-class cover and stand apart from the rest.