Your questions
- What's the difference between Bupa cash plan, Bupa additional health and private medical insurance?
- Can I cover my teenage children, even though they've left school?
- Will my subscriptions increase as I get older or if I make a claim?
- Do I have to sign up for a minimum length of time?
- Are pre-existing conditions covered?
- Can I claim for the full cost of my treatments and services?
- Am I covered for NHS and private hospital stays?
- What can I claim for on the optical benefit?
- What can I claim for on the dental benefit?
- What happens if I'm already receiving hospital treatment for a pre-existing condition?
- Can I claim for all benefits straight away if I transfer from my current provider?
- How easy is it to transfer to Bupa?
What's the difference between Bupa cash plan, Bupa additional health and private medical insurance?
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.
Can I cover my teenage children, even though they've left school?
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?
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?
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.
Are pre-existing conditions covered?
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. If you have an existing cash plan scheme, you may be able to continue to claim for that condition on Bupa additional health. For more information, please call 0500 000 125* and speak to one of our advisers.
Can I claim for the full cost of my treatments and services?
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?
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?
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 the Bupa cash plan membership Guide or the Bupa additional health membership guide.
What can I claim for on the dental benefit?
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 Bupa additional health membership guide.
What happens if I'm already receiving hospital treatment for a pre-existing condition?
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?
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* quoting 3304 and speak to one of our advisers.
How easy is it to transfer to Bupa?
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.
* Calls may be recorded and may be monitored.
