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Questions about choosing Bupa health cash plan schemes

What' the difference between a Bupa health cash plan and a private medical insurance scheme? Hide

Bupa Cash Plan, Cash Plan 100 and Bupa Additional Health pay cash back to help with everyday health care costs such as optical or dental costs. Private medical insurance pays for, or towards the cost of, eligible private medical treatment, ranging from basic medical cover for eligible in-patient and surgical treatment to more extensive cover.

We already offer Bupa private medical insurance to our employees. Is it worth offering a Bupa cash plan as well? Hide

Yes. Bupa health cash plans offer cash back towards a variety of everyday health care costs that might not be covered under traditional private medical insurance schemes.

If you’re looking for ways to complement an existing employee private medical insurance scheme, Bupa Additional Health could be just what you’re looking for. Call 0500 000 125 and quote 3303 to find out more.

How does an employer benefit from a Bupa health cash plan? Hide

Providing a Bupa health cash plan could be a way of increasing the value of your employees' salary and benefits package. Offering the scheme as an employee benefit may also increase loyalty and help to reduce sickness and absence levels, if employees are covered for everyday health care costs.

Will the subscriptions increase as employees get older or make a claim? Hide

No, the amount you or the employee pays won't increase as a result of age or claims history. Sometimes it may be necessary for subscriptions to increase generally from time to time. Bupa Cash Plan will notify the company before any change to the subscription rates takes place.

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Questions about getting a quote

Who do I call for a quote? Hide

Call 0500 000 125 and speak to an adviser from our business team.

How is a Bupa health cash plan paid for? Hide

Bupa Cash Plan, Cash Plan 100, or Bupa Additional Health can be paid for in the following ways:

• As a voluntary employee scheme which can be paid via direct debit or payroll deduction.
• As a part-subsidised or fully company paid benefit which gives employees the option of upgrading their level of cover.
• As part of a flexible benefit scheme.

Does a Bupa health cash plan offer any tax benefits to the employer? Hide

As an employer you will obtain corporation tax relief for the full value of the premium. Your employees' taxable benefit may be on a lower value as some of the benefits provided by Bupa Cash Plan, Bupa Additional Health and Cash Plan 100 may attract a P11D dispensation. Please consult your relevant tax district for more information.

How do we promote Bupa health cash plans to our employees? Hide

Our national sales team can help you with launch workshops and can visit your key sites and branches to explain key information such as how to join or how to claim.

At no extra cost to you, we'll also provide agreed marketing materials such as email promotions, intranet site promotions, posters and product literature.

Workshops can also be arranged on an ongoing basis to ensure your employees are aware of the benefits of their Bupa cash plan scheme.

How are Bupa health cash plans administered? Hide

You will have a dedicated account manager who will be your first point of contact for the administration and running of the plan. Once an employee becomes a member they'll receive a welcome pack which provides contact details for our member services and claims team.

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Questions about what is covered

What can our employees claim for? Hide

Bupa Cash Plan benefits include 100% refund (up to benefit limits) towards dental and optical costs, cash help towards the cost of having a baby, 50% refund towards physiotherapy and chiropractic treatment, personal accident benefit¹ and much more.
Click here for more details.

Cash Plan 100 benefits include 100% cash back on dental and optical costs (up to the benefit limit). It also includes cash back per night for NHS or private hospital stays (up to 50 nights).
Click here for more details.

Bupa Additional Health benefits include up to 100% refund (up to benefit limits) on levels 2 and 3, towards dental, optical and chiropody costs. It also provides 100% refund (up to benefit limits) towards prescription charges.
View the benefits table for more details.

Are there any restrictions on who can apply to join? Hide

Any employee can apply to join Bupa Cash Plan and Bupa Additional Health providing they live in the UK and are aged 16 or over. If employees wish to join Cash Plan 100, they must be aged between 16 and 65.

For Bupa Cash Plan and Cash Plan 100 employees can include a partner and any dependent children up to the age of 21 who live with them at their home address. This age rises to 24 if they’re still in full-time education and not married, but we may ask for proof of continuing education. What’s more, children are covered at no extra cost.

For Bupa Additional Health, employees can include any dependent children up to the age 18, or 21 if in full time education and not married or in a civil partnership.

Do the cash plans offer stress counselling? Hide

Bupa Cash plan and Bupa Additional Health offer an additional optional benefit of up to five face-to-face stress counselling sessions^† provided by a stress counselling provider.

Face-to-face counselling option is available on Bupa Cash Plan and Bupa Additional Health schemes of 100 employees or more and is available to the main member only and isn’t available to partners or dependent children.

Are pre-existing medical conditions covered? Hide

Pre-existing conditions are covered for all benefits except Bupa Cash Plan and Cash Plan 100 hospital in-patient and hospital day-patient surgery benefits (hospital benefits are not applicable to Bupa Additional Health). For more information, please call 0500 000 125 and quote 3303.

Will my employees need to have a medical? Hide

No. Employees do not need a medical before they join the plan.

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Questions about making a claim

How do I make a claim? Hide

There are three easy steps to making a claim:

1. Complete the claim form within 90 days*** of treatment or a hospital stay (for hospital claims the claim form must be signed and stamped by the hospital).

2. Send your completed claim form to us along with your receipted accounts for any treatment you have paid for.

3. We will send you a cheque, or pay the money directly into your bank account.

It's that simple and because the cash is paid directly to you, you can spend it any way you want.

To request a claim form you can ring the claims helpline on 0845 602 1092.

What do I do if I have questions about my claim? Hide

If you have any queries about making a claim or the claims process, please speak to a Bupa Cash Plan adviser on 0845 602 1092 who will be happy to help you with your enquiry.

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