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BUPA Lifestyle and Income Protection

People are often unaware of the financial effects long term illness or disability can create and the impact that this might have on their income. That is why at BUPA we provide cover to help cope with the consequence of a serious long term illness. Without an adequate regular income you could be risking your home, your car, the standard of living to which you have become accustomed.

The aim of BUPA Lifestyle and Income Protection is to provide you with a regular monthly income if you are unable to work because of ill health and this results in loss of earnings. If you are not in paid work you will be eligible to claim if you find yourself unable to carry out three of six specified activities of daily living.

• How much benefit is available?
• What subscription options are available?
• Can you increase your cover?
• When will your benefit payments start?
• Additional services, including access to health information through our HealthLine¹ service.
• Contact us

How much benefit is available?

With retirement cover you decide how much benefit you need, how soon and for how long you need it to be paid. BUPA Lifestyle and Income Protection will continue until your specified retirement date.

If you are in paid work earning up to £50,000 a year, you can receive the benefits of your cover or 50 percent of your "pre-incapacity earnings", whichever is the lower. If you are not in paid work you can receive the Homemaker benefit shown on the registration certificate we will send you.

What subscription options are available

You can choose from a range of subscription options to suit your personal preferences and circumstances.

Guaranteed subscriptions
Your subscriptions are fixed until your membership ends, except for any increase due to a change in the law or taxation or if you increase your benefit under the agreed membership, or if a plan fee is applied.

Reviewable subscriptions
BUPA may increase or decrease subscriptions on the fifth anniversary of the start date of your plan and at the end of every following five year period.

Renewable subscriptions
BUPA may increase or decrease subscriptions on each renewal date if renewal of membership is agreed.

Can you increase your cover?

There are two main ways you can increase the benefit you could receive:

• You can select the indexation option which will increase your potential benefit each year in line with inflation, up to a maximum of 10 percent
• If you are an employee you can also increase your benefits after a pay rise or moving to a new job. You will be able to do this twice over the period of your cover²

When will your benefit payments start?

When you take out BUPA Lifestyle and Income Protection you will need to select a deferred period from when you are first incapacitated to when you can start to receive benefit. This may be one, three, six or 12 months if you are in paid work, it will be three months if you are not. One month after the end of this period you will start to receive your benefit, which will be one month in arrears.

Additional services

Because we are committed to giving you more than just flexible financial protection, BUPA Lifestyle and Income Protection offers you a valuable additional service.

BUPA HealthLine¹ is a confidential health information and support service staffed by a dedicated team of specialist nurses 24 hours a day, 365 days a year. It offers support, guidance and reassurance to assist you in your decision making and to help you in finding your way through healthcare options.

Contact us

To find out more about BUPA Flexible Financial Protection, call us on 0800 600 500.

find out about further options for BUPA Flexible Financial Protection.

¹This benefit is one we allow in addition to your scheme benefits and we retain the right to withdraw it at any time
²Terms and conditions apply to this option

Cover is provided by BUPA Health Assurance Ltd which is authorised and regulated by the Financial Services Authority.

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