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Questions about choosing Bupa health cash plan schemes

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

Bupa Cash Plan and Bupa Cash Plan Fundamentals pay cash back to help with everyday health care costs such as optical or dental costs. Health 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.

Bupa Patient Cash offers some of the usual benefits associated with health insurance (for example, the Consultation benefit) in the form of a low-cost cash plan. It has been designed to help people get prompt access to diagnosis and treatment for symptoms of illness.

We already offer Bupa health 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 health insurance schemes.

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

Bupa Patient Cash scheme offers some of the usual benefits associated with health insurance in the form of a low-cost cash plan. It has been designed to help you get prompt access to diagnosis and access to certain treatments so you would not need to have both products.

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 help 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 write to you at least 60 days before any change to the subscription rates takes place.

On our Bupa Patient Cash scheme the price you or your employees pay will increase as a result of your age but not as a result of your claims history. Sometimes it may be necessary for subscriptions to increase from time to time outside of your age related subscription increase and in both cases we’ll provide 60 days’ written notice before any change to your subscription rate 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, who will arrange for one of our consultants to visit you and discuss your needs in detail, to ensure you and your business have the right solution for your needs.

How is a Bupa health cash plan paid for? Hide

Bupa Cash Plan schemes 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.

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 Fundamentals and Bupa Patient Cash 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 when you have a baby, 50% cash back towards physiotherapy and chiropractic treatment, personal accident benefit¹ and much more.
Click here for more details.

Bupa Cash Plan Fundamentals benefits include up to 100% refund (up to benefit limits) towards dental, optical, physiotherapy and chiropody costs. It also provides 100% refund (up to benefit limits) towards prescription charges.
Click here for more details.

Bupa Patient Cash

benefits include cash towards a variety of health care needs. These include cash back for consultations, diagnostic scans and therapies such as physiotherapy and osteopathy. It also includes money for up to 20 nights hospital in-patient stays and up to four days hospital day patient surgery.
Click here for more details.

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

Depending on the scheme agreed with the employer any employee can apply to join Bupa Cash Plan, Bupa Cash Plan Fundamentals and Bupa Patient Cash providing they live in the UK and are aged 16 or over.

For Bupa Cash Plan 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 unmarried, not in a civil partnership and still in full-time education, but we may ask for proof of continuing education.

For Bupa Patient Cash employers can fund the scheme for partners and dependant children of any age or the employee can voluntarily fund memberships for them as long as they are under age 79 at the time of joining.

Do the cash plans offer stress counselling? Hide

Bupa Cash Plan Fundamentals and Bupa Patient Cash offer an additional optional benefit of up to five face-to-face stress counselling sessions^† provided by a stress counselling provider. On company paid 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 hospital in-patient and hospital day-patient surgery benefits. For more information, please call 0500 000 125* and quote 3303.

Pre-existing conditions are covered for all benefits on the Bupa Patient Cash scheme on the level funded by the employer, for voluntary upgraded levels of cover they are not covered for the first 12 months of the upgraded level of cover. For more information, please call 0500 000 125* and speak to one of our advisers.

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 or membership

How do our employees make a claim? Hide

There are three easy steps to making a claim:

1. A claim form needs to be completed 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 the completed claim form to us along with the receipted accounts for any treatment or service which has been paid for.

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

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

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

What do my employees do if they have questions about their claim? Hide

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

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