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Support and offers for individual members and customers

Questions about health cash plans and private medical insurance (PMI)

What's the difference between Bupa Cash Plan, Bupa Additional Health and private medical insurance? Hide

Bupa Cash Plan and Bupa Additional Health differ from private medical insurance in that they provide cash payments to help with everyday health care costs such as optical and dental fees. Private medical insurance (PMI) covers the cost or pays towards the cost of eligible private medical treatment.

I already have Bupa private medical insurance. Is it worth me having a Bupa health 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 to increase what you are entitled to claim on everyday health care needs, Bupa Additional Health can complement an existing private health cover scheme.

How easy is it to join? Hide

Joining is simple. Either complete the direct debit form and return it to us at Bupa Cash Plan, Dale Buildings, Cook Street, Coventry CV1 1JH or call us on 0500 000 125 quoting ref: 3304.

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General questions about Bupa Cash Plan and Bupa Additional Health

Will I need to have a medical? Hide

No you will not require a medical to become a member.

However, there are certain criteria that must be met in order to join. If you live in the UK and are aged between 16 and 59 inclusive you can apply to join Bupa Cash Plan. You can apply to join the Bupa Additional Health scheme if you are aged 16 or over and are a UK resident.

Who can apply for membership? Hide

You can apply for Bupa Cash Plan membership if you’re aged between 16 and 59 inclusive and a UK resident. You can include your partner if they’re under 60, and dependant children up to the age of 21 who live with you at your address, are unmarried and not in a civil partnership. This age rises to 24 if they’re still in full-time education but we may ask for proof of their continuing education.

You can apply for membership to the Bupa Additional Health scheme if you are aged 16 or over and are a UK resident. You can also apply to include your partner and your children if they are under 18, or 21 if in full-time education, unmarried, not in a civil partnership and resident at the same address.

Can I cover my teenage children, even though they've left school? Hide

Yes. For Bupa Cash Plan, you can cover all children up to the age of 21 who live with you at your address and are unmarried. This age rises to 24 if they’re still in full-time education and unmarried but we may ask for proof of continuing education. Children are covered at no extra cost.

For Bupa Additional Health, you can include your children if they are under 18, or 21 if in full time education, unmarried and not in a civil partnership.

Will my subscriptions increase as I get older or if I make a claim? Hide

No. The amount you pay won’t increase as a result of your age or claims history. Sometimes it may be necessary for subscriptions to increase from time to time but we’ll provide 60 days’ written notice before any change to your subscription rate takes place.

Do I have to sign up for a minimum length of time? Hide

No. You can end your membership or the membership of any of your dependants at any time by providing us with 30 days’ prior written notice to: Member Services Manager, Bupa Cash Plan, Dale Buildings, Cook Street, Coventry, CV1 1JH. You can cancel your membership for any reason within 21 days of receiving your membership letter and as long as you haven’t made a claim, we’ll refund your subscription.

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Questions about Bupa Cash Plan and Bupa Additional Health benefits and cover

Are pre-existing conditions covered? Hide

Pre-existing conditions are covered for all benefits except Bupa Cash Plan hospital in-patient and hospital day-patient surgery. If you have an existing cash plan scheme, you may be able to continue to claim for that condition on Bupa Cash Plan. For more information, please call 0500 000 125 and speak to one of our advisers.

Pre-existing conditions are covered for all Bupa Additional Health benefits.

Can I claim for the full cost of my treatments and services? Hide

We will pay benefits up to the maximum benefit allowance for your chosen level of cover. You can only claim benefits for treatments and services that you or your dependants have received. For details of the different levels of cover and the refund percentages, please refer to the Bupa Cash Plan Membership Guide or the Bupa Additional Health Membership Guide.

Am I covered for NHS and private hospital stays? Hide

The Bupa Cash Plan scheme offers a cash benefit within a set amount for each night in hospital, regardless of whether you choose to stay in an NHS or private hospital. Terms and conditions apply so please refer to the Bupa Cash Plan Membership Guide.

What can I claim for on the optical benefit? Hide

We will refund 100 percent, up to benefit limits on Bupa Cash Plan levels 1 – 8 and Bupa Additional Health levels 2 and 3, of the money you spend on routine sight tests, prescription glasses and contact lenses, up to the maximum benefit amount for your chosen level of cover. For details of the different levels of cover and the refund percentages, please refer to Bupa Cash Plan Membership Guide or the Bupa Additional Health Membership Guide.

What can I claim for on the dental benefit? Hide

We will refund 100 percent, up to benefit limits on Bupa Cash Plan levels 1 – 8 and Bupa Additional Health levels 2 and 3, of the money you spend on dental services provided and treatment up to the maximum benefit amount for your chosen level of cover. For details of the different levels of cover and the refund percentages, please refer to the Bupa Cash Plan Membership Guide or the Additional Health Membership Guide .

How do I make a claim? Hide

To make a claim you must use the claim form we provide. If you don’t have a claim form, please call us on 0845 602 1092. To help reduce the time it takes to reimburse you, send us your fully completed claims form and original receipt(s) as soon as possible following treatment. Your claim needs to be submitted to us within 90 days unless it is not reasonably possible to do so.

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If you have an existing health cash plan with a different provider

What happens if I'm already receiving hospital treatment for a pre-existing condition? Hide

If you’ve already claimed for hospital benefits relating to a pre-existing condition on a different cash plan scheme, you may be able to continue to claim on Bupa Cash Plan. For more information, please call 0500 000 125 and speak to one of our advisers.

Can I claim for all benefits straight away if I transfer from my current provider? Hide

Yes. There is usually no waiting period for any benefit if you’re transferring from another cash plan and have completed the qualifying period with that provider. You’ll just need to prove membership of your current cash plan.

You can qualify to claim straight away for maternity and adoption benefit if this benefit is available on your current scheme and the scheme you are transferring to. You must also have completed the full qualifying period for maternity and adoption with your current provider. For further information please call 0500 000 125 and speak to one of our advisers.

How easy is it to transfer to Bupa? Hide

Transferring your existing cash plan scheme to Bupa couldn’t be more straightforward. Call 0500 000 125, quoting 3304 and one of our advisers will be happy to answer any of your questions.

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