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Bupa - Heartbeat

Key features of this health insurance plan


Bupa Heartbeat health care select 1 provides extensive cover whether you need eligible day-patient treatment, overnight hospital care or a consultant appointment. Other features include cover for:
* diagnostics – to help your doctor work out what’s wrong and recommend treatment options
* up to £1,000 a year for out-patient therapies# - including physiotherapy
* complementary medicine up to £250 per membership year#
* psychiatric treatment after two years’ membership 1

Bupa Heartbeat health care select 2 provides cover for eligible treatment and access to a choice of consultants and specialists. Other features include cover for:
* day-patient treatment, in-patient hospital treatment and appointments with a consultant
* up to £500 a year for therapies – including physiotherapy
* diagnostics – to help your doctor work out what’s wrong and recommend treatment options
* psychiatric treatment after two years’ membership¹

Bupa Heartbeat health care select 3 enables you to choose which of our 400¹ recognised hospitals you receive treatment at. Other features include cover for:
* day-patient treatment, out-patient consultations and therapies ²ˆ
* up to £500 a year for out-patient therapiesˆ – including physiotherapy, and cover for out-patient appointments with a consultant following treatmentˆ

Bupa Heartbeat health care select 4 can help you get better in a relaxed, clean and comfortable environment. Other features include cover for:
* consultant fees for in-patient and day-patient treatment
* hospital accommodation and nursing for in-patient and day-patient treatment
* out-patient consultant fees for cancer treatments

Bupa Heartbeat health care select heart and cancer provides cover for eligible treatment and access to a choice of consultants and specialists. Features cover for eligible treatment for acute heart and cancer conditions only and includes cover for:
* eligible day-patient treatment, in-patient treatment and appointments with a consultant
* up to £500 a year for therapiesˆ – including physiotherapy
* diagnostics – to help your consultant work out what’s wrong and recommend treatment options

¹ Psychiatric treatment is covered on a discretionary basis and after two years’ continuous membership.

‡In some circumstances, benefit may be available for these conditions or treatments. Full details can be found in the Bupa Heartbeat Healthcare Select membership guides.

#When the out-patient treatment is for eligible out-patient treatment of cancer, the out-patient benefit limits and restrictions stated do not apply

Benefits

Select which level of cover is required
Health Care Select Options All H/C Select 1 H/C Select 2 H/C Select 3 H/C Select 4 H/C Heart/Cancer

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Full refund for partnership hospitals otherwise up to Bupa specified limits
Surgeon / Consultant / Specialist & Anaesthetists fees
Full refund for partnership consultants (otherwise up to Bupa specified limits)
Physicians fees & diagnostic tests
Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
Full refund
Psychiatric treatment
Health Care Select Options - H/C Select 1
Health care select 1
Up to 45 days pa Psychiatric treatment covered after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand
Health Care Select Options - H/C Select 2
Health care select 2
Up to 45 days pa Psychiatric treatment covered after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand
Health Care Select Options - H/C Select 3
Health care select 3
Not covered
Health Care Select Options - H/C Select 4
Health care select 4
Not covered
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Not covered
Six week option
Not available

Key Facts - Out-patient Charges

Complementary medicine
Health Care Select Options - H/C Select 1
Health care select 1
Up to £250 a year3
Full refund when related to treatment of cancer conditions
Health Care Select Options - H/C Select 2
Health care select 2
Not covered
Health Care Select Options - H/C Select 3
Health care select 3
Not covered
Health Care Select Options - H/C Select 4
Health care select 4
Not covered
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Not covered
Diagnostic tests (excluding scans)
Health Care Select Options - H/C Select 1
Health care select 1
Full Refund
Health Care Select Options - H/C Select 2
Health care select 2
Full refund
Health Care Select Options - H/C Select 3
Health care select 3
Full refund
Health Care Select Options - H/C Select 4
Health care select 4
Not covered unless the out-patient treatments are for eligible treatment of cancer.
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Full refund
GP referred consultations
Health Care Select Options - H/C Select 1
Health care select 1
Full Refund
Health Care Select Options - H/C Select 2
Health care select 2
Full refund
Health Care Select Options - H/C Select 3
Health care select 3
up to £500 a year when following within six months and related to eligible day-patient or in-patient treatment2,3
Health Care Select Options - H/C Select 4
Health care select 4
Not covered unless the out-patient treatments are for eligible treatment of cancer.
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Full refund
Physiotherapy consultant referred
Health Care Select Options - H/C Select 1
Health care select 1
Up to £1,000 taken from the out-patient therapies limit
Health Care Select Options - H/C Select 2
Health care select 2
Up to £500 taken from the out-patient therapies limit
Health Care Select Options - H/C Select 3
Health care select 3
up to £500 a year when following within six months and related to eligible day-patient or in-patient treatment2,3
Health Care Select Options - H/C Select 4
Health care select 4
Up to £250 a year when following within six months and related to eligible day-patient or in-patient treatment3
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Up to £500 a year3
Physiotherapy GP referred
Health Care Select Options - H/C Select 1
Health care select 1
Up to £1,000 taken from the out-patient therapies limit
Health Care Select Options - H/C Select 2
Health care select 2
Up to £500 taken from the out-patient therapies limit
Health Care Select Options - H/C Select 3
Health care select 3
up to £500 a year when following within six months and related to eligible day-patient or in-patient treatment2,3
Health Care Select Options - H/C Select 4
Health care select 4
Up to £250 a year when following within six months and related to eligible day-patient or in-patient treatment3
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Up to £500 a year3
Psychiatric cover
Health Care Select Options - H/C Select 1
Health care select 1
Up to £1,000 taken from out-patient therapies limit for psychiatric treatment. Cover after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand
Health Care Select Options - H/C Select 2
Health care select 2
Up to £500 taken from out-patient therapies limit for psychiatric treatment. Cover after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand
Health Care Select Options - H/C Select 3
Health care select 3
Not covered
Health Care Select Options - H/C Select 4
Health care select 4
Not covered
Health Care Select Options - H/C Heart/Cancer
Health care select Heart & Cancer
Not covered
Radiotherapy / Chemotherapy
Full refund for:
Eligible out-patient cancer drugs
Out-patient consultations, diagnostic tests and therapies
Radiotherapy and chemotherapy
Scans - MRI / CT / PET
Full refund
Surgical Procedures
Cover provided under in-patient or out-patient benefits. Refer to those limits for details

Key Facts - Additional Benefits

NHS cash benefit
Cash Benefit available through Healthy man/women option for either NHS or private treatment
Nursing at home
Covered under convalescence care option
Parental accommodation
Full refund (child under 12 years old)
Private ambulance
Up to £60 per trip subject to an annual maximum of £120

Additional Benefits

Alcohol & drug abuse
Not covered
Annual maximum limit
No annual maximum
Children covered
Dependants can remain on membership for as long as the main member remains on the membership
Chiropractors & Osteopaths
Covered up to £250 pa (Only available with Health care select 1)
Dental treatment
Oral surgery only
Hospice donation
Not covered
Infertility investigations
Not covered
Maternity cash benefit
Not covered
Optional cash benefit
No NHS cash benefit
Out of pocket expenses
Not covered
Overseas cover
Not covered
Personal & total disability benefit
Not covered
Post hospital recovery bonus
Not covered
Pregnancy
Normal pregnancy not covered. Caesarean birth may be covered but assessed on an individual basis
Transplants
Not covered
 
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