Bupa Select Community-rated private medical insurance

Bupa Select - Product informationShow all

Core benefits

Overview Hide

The core benefits provide the basis for clients’ health cover package. Bupa Select’s core benefits alone provide extensive cover for a wide range of in- and out-patient treatments.

Out-patient benefits Hide

• £1000 towards consultations, therapies (max £250 towards complementary medicine), diagnostic tests eg x-rays, pathology.
• MRI / CT / PET scans in a recognised diagnostic imaging unit - paid in full.
  
• cancer treatment - out-patient consultations and therapies from out-patient benefit limit.

In-patient benefits Hide

• full refund for in-patient and day-patient treatment in a partnership network hospital.
  
• hospital accommodation.
  
• diagnostic tests / scans / pathology.
  
• full refund for partnership consultants fees (benefit limits apply for recognised non-partnership consultants).
  
• cancer treatment.
  
• up to 45 nights in-patient psychiatric treatment.

Additional benefits Hide

• private ambulance - max £80 per trip - no annual max.
  
• home nursing - max £2,000 pa.
  
• NHS cash benefit - £50 per night max 35 nights pa.
  
• access to Bupa HealthLine - 24 / 7, 365 days a year.

Underwriting options Hide

Full medical underwriting (FMU)

New companies joining Bupa will be underwritten at point of joining. We will exclude for any pre-existing conditions prior to joining Bupa.

No further underwriting (NFU)

In certain circumstances we may offer 'no further underwriting' terms for a whole group move from a competitor-held PMI scheme. Under such circumstances, we will not apply any further special conditions or exclusions, but will move the existing exclusions from their current insurer. A group will be accepted with no further underwriting if our criteria determines that the group represents an acceptable risk.

Medical history disregarded (MHD)

For group with 20 registrations or more you can opt for MHD and we will cover you without asking for your medical history. Waiting periods would still apply.

Moratorium

Bupa will not underwrite at point of joining, so you will not be required to complete a medical questionnaire before you arrange cover. This will be on the understanding that you will not be immediately covered for any medical conditions that existed in the five years before you join. However, we may include cover for these conditions if, two continuous years (moratorium period) after the start of your policy, if you have experienced no symptoms and received no treatment, medication, tests or advice from your GP or a specialist for the condition.

Options for cost containment

Overview Hide

These options allow you to reduce costs and keep Bupa Select’s price within clients’ budgets without them sacrificing the essential elements of their cover. You can increase the excess your clients pay on certain benefits, reduce certain levels of cover and even exclude some elements completely.

Reduced out-patient Hide

(Can be chosen according to tier of staff)

• £750 per person per year.
  
• £500 per person per year.
  
• £250 per person per year.

(all options include a £250 limit on complimentary medicine)

Member contribution Hide

Excess Options are:

• £100 Per person per year.
  
• £150 Per person per year.
  
• £200 Per person per year.
  
• £500 Per person per year.

Cover restrictions Hide

(Only available when chosen at group level)

• Exclude psychiatric cover.

NEW - Six Week scheme Hide

When an employee needs medical treatment, if it can be supplied within six weeks of the recommended treatment date at an NHS site, that’s where the treatment takes place. If it can’t be supplied within six weeks by the local NHS hospital, the member is given access to Bupa private healthcare. Either way, eligible treatment will take place within six weeks.

What are the benefits of the Six Week scheme?

• Access to prompt medical treatment.
• Consultations and diagnostics are unaffected.
• Up to 20% reduction from our standard rates.
• Additional flexibility within Bupa Select.

Options for benefit enhancement

Overview Hide

These options allow you to increase the level of your clients’ cover. From increasing the amount of out-patient benefit available and providing access to a wider choice of hospitals to optical, dental and prescription cover, Bupa Select’s flexible format lets you add extra cover to the core essentials.

Increased out-patient benefit Hide

• £1000 per person per year.
  
• £1500 per person per year.
  
• Full refund.

No monetary limit on how much out-patient benefit can be used for complementary medicine on these options.

For renewing 'Max' customers only

• Full refund on consultancy and diagnosis and up to £1000 on therapies (£250 max complementary medicine).

Hospital options Hide

• Increase Hospital Access to participating hospital network.
  
• A choice of three scales of accommodation.
  
• Full refund surgeons and anaesthetists for a Bupa registered consultant irrespective of consultant partner status.**

_{** Only available to groups choosing full refund out-patient
Can not be purchased as a stand-alone option.}

Cash packages Hide

(Only available when chosen at group level)

• Optical (£100 every two years).
  
• Accidental dental injury cash benefit (£900 per year).
  
• Prescription (£20 per year).
  
• Maternity, paternity & adoption (£200 per child).

Island package Hide

Allows full refund for surgeon and anaesthetists and travel to the mainland for residents of Jersey, Isle of Man and Guernsey.

Further information

Product support Hide

Bupa Select - Pre-sales brochure (pdf, 320Kb)
Bupa Select – Selling guide (pdf, 211Kb)

Product literature Hide

Policy summary (pdf, 61Kb)
Membership guide (pdf, 201Kb)
Membership guide – Island cover (pdf, 65Kb)
Application form - Moratorium (pdf, 48Kb)

Product updates Hide

January 2011	Bupa Select - Six Week scheme
August 2010	Bupa Select - New rolling moratorium
July 2010	Bupa Select policy excess announcement