|
 | services | health directions
Experienced Rated
Bupa - the right direction
Because we are concerned solely with health and care, with Bupa you get more than just private medical cover. Below are just a few examples of the added benefits of Bupa membership.
Access to specialist treatment centres
Over the past few years, Bupa has been working to develop a network of specialist treatment centres and medical teams dedicated to the treatment of certain common cancers like those of the breast, bowel and bone. These help to ensure that our members receive the most appropriate treatment and have the best possible chance of making a full recovery.
Access to the Bupa HealthLine*
Staffed by fully trained qualified nurses offering confidential health advice and guidance, 24 hours a day, seven days a week.
Access to the business partner services helpline
To help make your job easier, we have developed a dedicated telephone helpline to assist with all your administration needs.
Access online
Bupa AccessOnline is a web management information system, that puts you in control of the administration of your company's Bupa private health care scheme.
It allows you to quickly update member's records with complete security. It also provides general health information and details about your scheme.
Discretionary benefit option
An option to allow clients to deal with claims for consultants fees and outpatient consultations or therapies which exceed the benefit limits provided under the scheme and which members would need to pay themselves. It gives each client some authority to decide whether Bupa pays or reject the shortfall in benefits. As this increases the benefits available it generally increases the cost of cover, and if a shortfall is paid it will form part of any claims experience. To reduce the cost in administrating this, we pay this benefit automatically to an agreed level.
Health care services
Bupa works closely with the medical profession to ensure the delivery of eligible, appropriate and cost effective care.
Getting started - the Experience Rated products
All four standard schemes offer cover for diagnostic tests and hospital in-patient and day-patient treatment as well as access to the 24-hour Bupa HealthLine* offering confidential advice and guidance, the Bupa website, an extensive resource of health information and expertise, and the business partner services helpline, an administrative service to help make processes as smooth as possible.
The tables below provide an outline of the benefits of the schemes available. A more detailed description is contained in the product summary sheets. Terms and conditions apply.
Bupa Premier Network |
in-patient/day patient treatment 1 |
Consultants' fees |
Paid in full |
Hospital fees |
Paid in full |
Cancer treatment |
Paid in full |
MRI/CT/PET scans |
Paid in full |
out-patient treatment |
Consultations 2 |
£500 (max £250 complementary medicine) |
Diagnostic tests 3 |
Therapies 4 |
Complementary medicine 4 |
MRI/CT/PET scans 5 |
Paid in full |
additional benefits |
Psychiatric benefits 6 |
28 days in-patient |
Home nursing 8 |
£600 |
Private ambulance |
£320 - max £80 per trip |
Overseas cover |
Cover available |
Hospital access |
Partnership network |
Our entry level scheme, Bupa Premier Network, offers cover of up to £500 towards out-patient consultations and diagnostics and therapies (£250 for complementary therapies) and access to a nationwide network of Bupa Partnership hospitals. In addition it includes cover towards home nursing, private ambulance transfers and psychiatric treatment. |
Bupa Premier Cover |
Hospital access |
Participating |
NHS cash benefit 7 |
£50 per night - (max 35 nights) |
Bupa Premier Cover includes all of the Premier Network benefits plus increased hospital access and NHS cash benefit. |
Bupa Premier Plus |
Out-patient Consultants' fees 2 |
Full refund |
Out-patient diagnostic tests 3 |
Paid in full |
Out-patient consultations 2 – therapies 4 |
Paid in full |
Complementary medicine |
Paid in full |
Private ambulance |
£320 per annum (max of £80 per trip) |
NHS cash benefit 7 |
£50 per night - (max 35 nights) |
Hospital access |
Participating |
Bupa Premier Plus is our most comprehensive corporate scheme and offers enhanced out-patient benefits and access to a wider network of hospitals. |
Bupa Essential Cover |
Out-patient diagnostic tests 3 |
Paid in full |
Out-patient consultations 2 – therapies 4 |
£150 (only available following in-patient/day-patient treatment) |
NHS cash benefit 7 |
£50 per night - (max 35 nights) |
Hospital access |
Participating |
Psychiatric |
No cover |
Complementary medicine |
No cover |
Overseas cover |
No cover |
Based on core cover benefits however consultations or therapies that take place prior to hospital treatment are excluded. |
Customising your cover
You can then customise the scheme to meet your requirements by choosing to include or exclude any of the following:
- increased/ reduced outpatient cover
- NHS cash benefits
- psychiatric benefits
- complementary medicine
- excess
- discretionary benefit cover
There are also a choice of underwriting options available.
 About our hospitals
Two types of hospitals are available for use with these schemes: Bupa Partnership Network Hospitals and Bupa Participating Hospitals.
Bupa Partnership Network Hospitals
This refers to approximately 180 hospitals strategically located around the UK. Bupa has agreed special contracts with these hospitals, to assure the quality of accommodation within an agreed pricing structure allowing for a reduction in the subscription rate for our members. Cover normally provides for a single room with en suite facilities in a Bupa Partnership Network Hospital, for in-patient care. Sometimes treatment in a single room is clinically inappropriate, for example, patients who require high-dependency care.
View a full list of Bupa Partnership Network Hospitals
Bupa Participating Hospitals
This refers to a larger national network of over 600 hospitals and incorporates the network Hospitals. Members have a choice of three scales for hospital accommodation ranging from Scale A (the highest) to Scale C (the lowest). Remember that the scale won't affect the quality of medical treatment and care you receive. Just ask us and we will help decide which is best for you.
View a full list of Bupa Participating Hospitals
Save 10% on other Bupa products*
As well as private medical cover, Bupa offers a range of complementary products and services designed to help meet your business' needs now and in the future.
By subscribing to any of these products detailed below at the same time as you take out or renew any health directions scheme, you could benefit from a 10% discount off the usual cost of the product for a full 12 months**
Bupa Employee Assistance Programmes (EAPs)
Introducing an EAP can help you identify and deal with issues such as bullying, harassment and stress. It can also assist your employees with financial and legal problems before they escalate and begin to affect your employees' performance.
This can lead to reduced staff turnover and absence rates, as well as acting as a valuable staff recruitment and retention tool. The majority of businesses with an EAP in place report improvements in productivity.
An EAP may also help reduce the risk of litigation for your business by demonstrating your duty of care to your employees.
Bupa group dental cover
Dental problems that go unchecked can lead to costly and involved treatment in the future, requiring time off work and causing disruption to your business. They can also cause significant discomfort, which may affect your employees' performance at work and lead to increased sickness absence.
At a time when dental charges are rising and NHS dentistry is increasingly difficult to access, dental benefits are highly valued by employees, giving them greater choice and flexibility in when and where they are treated. Dental cover gives your employees the reassurance of knowing they can visit the dentist of their choice and that they will be reimbursed for all eligible treatment up to benefit limits.
Bupa travel cover
When your employees travel abroad on business, you need to be sure that they are covered for medical emergencies, including the cost of being transported home where necessary. They will also want the assurance of knowing that all the arrangements and costs of medical treatment are taken care of.
With Bupa travel cover your employees not only receive full medical cover but also everything else you would expect from inclusive travel insurance, such as cover for cancellation or curtailment of their trip and loss of luggage or cash.
Discounts are only available for complete cover for up to 50 employees.
Contact us
The decision to buy health cover for your business is an important one on many levels and it is vital to take time to decide what's right for you.
If you'd like to know more you can:
- call the business sales centre on 0845 30 30 830*** quoting reference WO1 (Calls will be charged at local rate)
- let us call you back***
- contact us by email
- speak to your Bupa business healthcare consultant
- In a hospital within the hospital access specified for the scheme (or a Bupa specialist treatment centre for certain types of cancer treatment) and, where applicable, in a room within the chosen scale of cover. Treatment must be provided by, or under the supervision of, a Bupa recognised consultant. If a consultant is not a Bupa partnership consultant (except for Premier Plus) benefit limits for consultant fees will apply.
- With a Bupa recognised consultant.
- When recommended by a Bupa recognised consultant.
- On a GP or Bupa recognised consultant referral to a Bupa recognised therapist.
- In a Bupa recognised out-patient diagnostic imaging centre.
- Only after 2 years continuous membership of a Bupa scheme providing psychiatric cover. Treatment must be provided by a Bupa recognised consultant in an eligible hospital. Benefit is discretionary for in-patient and day-patient treatment.
- For eligible treatment.
- After eligible in-patient treatment.
- For sudden injury or illness when travelling outside the UK. Hospital fees are limited to £200 per night.
*from 1 January 2004
**This discount applies to current standard subscription rates and is available to those joining between 01/06/04 and 30/09/04. It may not be combined with any other discounts for which you may be eligible. Bupa reserves the right to alter or withdraw the discount on or after your first renewal date and the right to vary subscriptions during a contract year if the rate of insurance premium tax changes.
***Lines are open Mon-Thurs 8am-6pm Fri 8am-5pm. In the interest of continuously improving our service to members, your call will be recorded and may be monitored.
|
