What Does Bupa By You Cover?
Inpatient and Day-Patient Treatment
Inpatient and day-patient treatment involves all medical care requiring a hospital bed. This might be overnight (inpatient) or just for the day (day-patient). This most commonly, but not exclusively, involves surgical procedures.
Outpatient Treatment
All medical care not requiring a hospital bed. Comprehensive cover pays for this in full, up to your outpatient limit. However, Treatment & Care cover mostly only offers inpatient treatment.
Bupa offers a choice of outpatient cover limits:
- £500
- £750
- £1,000
- Unlimited.
However, when the outpatient treatment you have is for eligible cancer care, the benefit limit does not apply.
Cancer Care
Cancer cover is one of the most valuable elements of any Private Medical Insurance policy. It pays for diagnosis and treatment of cancer, including offering access to drugs, treatments, therapies and procedures the NHS may not yet offer due to their cost.
When you take out a Bupa By You Health Insurance policy, you have three cancer cover options to choose from:
- Full cancer cover
Pays for all eligible inpatient and outpatient treatment for cancer
- NHS Cancer Cover Plus
Only pays for cancer treatment if the chemotherapy, radiotherapy or surgical procedure you require isn’t available on the NHS
- No cancer cover
Does not pay for any cancer treatment. You’ll need to use the NHS if you develop cancer.
If you add cancer care to your policy, Bupa doesn’t impose any financial or time limits on treatment. As well treating cancer, Bupa’s cancer care offers:
- Counselling after your diagnosis and during your treatment to offer psychological support
- The chance to have chemotherapy at home rather than in a hospital setting where clinically appropriate
- Palliative care if your cancer is incurable.
Hospital List
Your hospital list impacts which facilities you get private healthcare in and also how much your premiums will be. Some hospitals are more expensive than others, so opting for access to a wider array of private facilities increases premiums.
Bupa has three tiers of hospital lists:
- Essential Access
- Extended Choice
- Extended Choice (inc. Central London).
See Bupa’s full hospital list here.
Medical Underwriting Options
When you apply for Health Insurance as an individual, you choose how you want your insurer to underwrite you.
Bupa has two medical underwriting options:
- Full medical underwriting
You disclose your medical history when you take out the policy
- Moratorium underwriting
Bupa won’t ask for any medical details until you submit a claim
These are two very different options which can impact the way your insurer decides on exclusions for any pre-existing conditions you may have. The best underwriting for you depends on your circumstances.
Read more about the difference between full medical underwriting and moratorium underwriting here.
Additional Benefits
Bupa includes these as standard with Health Insurance:
- Parent accommodation
If a child (aged under 16) your plan covers has eligible inpatient treatment under the policy, Bupa pays for one parent to stay with your child in the hospital
- Private ambulance
Bupa will pay up to £60 per journey if you need transportation in a private ambulance
- NHS inpatient cash benefit
If you opt to have inpatient treatment that your policy would have covered on the NHS rather than using your Health Insurance, Bupa pays £50 per night for up to 35 nights spent as an NHS inpatient
- NHS cancer cash benefit
If you opt for full cancer cover but choose to have cancer treatment under the NHS, Bupa pays a benefit of £100 for each day / night you receive eligible cancer treatment. For cancer treatment taken by mouth, Bupa pays the benefit for each 3 weekly interval or part thereof.
