IR - Bupa - Premier

Bupa - Premier

A number of options are available with this policy as follows :-

Psychiatric in-patient stay 28 as standard alternatively 45 or 90 days.
Out-patient treatment as standard is £500 altenatively be £1,000.
The Discretionary Benefit Option (DBO) limits relating to outpatient and specialist fees can be enhanced on an adhoc basis.
NHS cash benefit as standard £50 per night up to 35 nights alternatively this can be increased to £100 per night up to 35 nights.
Over aged dependants as standard is 21 alternatively this can be up to 24 if in full time education or up to 24 irrespective of full time education. All options carry a cost implication.

Benefits

Psychiatric	All 28 Days 45 Days 90 Days Removed
Out-patient	All £500 £1,000
Over Aged Dependants	All 21 years 24 in FTE 24 no FTE
NHS cash benefit	All £50 £100

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund for participating network hospitals (within correct scale of cover) otherwise up to Bupa specified limits
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Psychiatric treatment
Psychiatric - 28 Days	Up to 28 days pa Psychiatric treatment covered after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand
Psychiatric - 45 Days	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
Psychiatric - 90 Days	Up to 90 days pa Psychiatric treatment covered after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand
Psychiatric - Removed	Cover removed
Key Facts - Out-patient Charges
Complementary medicine
	Up to £250 per year (included within overall out-patient benefit limit) with a scheme recognised therapist or complementary medicine practitioner (Acupuncture, Chiropractic, Homeopathy and Osteopathy only)
Diagnostic tests (excluding scans)
Out-patient - £500	Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)
Out-patient - £1,000	Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)
GP referred consultations
Out-patient - £500	Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)
Out-patient - £1,000	Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)
Physiotherapy consultant referred
Out-patient - £500	Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)
Out-patient - £1,000	Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)
Physiotherapy GP referred
Out-patient - £500	Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)
Out-patient - £1,000	Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)
Psychiatric cover
Psychiatric - Removed	Cover removed
Out-patient - £500	Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)
Out-patient - £1,000	Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Full refund (also includes PET scans)
Key Facts - Additional Benefits
NHS cash benefit
NHS cash benefit - £50	£50 per night (35 nights pa)
NHS cash benefit - £100	£100 per night (35 nights pa)
Nursing at home
	£600 pa
Parental accommodation
	Full cover (for child under 12 years old)
Primary care
	Not covered
Private ambulance
	£80 per trip subject to annual maximum of £320
Additional Benefits
Alcohol & drug abuse
	Discretionary
Annual maximum limit
	No annual maximum
Children covered
Over Aged Dependants - 21 years	Up to 21 years of age
Over Aged Dependants - 24 in FTE	Up to 24 years of age if in full time education
Over Aged Dependants - 24 no FTE	Up to 24 years of age irrespective of full time education
Chiropractors & Osteopaths
	Up to £250 pa - paid out of complementary medicine benefit limit
Dental treatment
	Oral surgery only
Discretionary Benefit Option (DBO)
	Available subject to agreement
GP minor surgery
	Not covered
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Pregnancy
	Complications covered - provided mother member for 12 months
Stress counselling helpline
	Not covered. EAP product available
Transplants
	Not covered

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

Full refund for participating network hospitals (within correct scale of cover) otherwise up to Bupa specified limits

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Psychiatric treatment

Psychiatric - 28 Days

Up to 28 days pa Psychiatric treatment covered after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand

Psychiatric - 45 Days

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

Psychiatric - 90 Days

Up to 90 days pa Psychiatric treatment covered after 2 years membership. Cover is Discretionary. All psychiatric treatment must be pre-authorised by BUPA beforehand

Psychiatric - Removed

Cover removed

Key Facts - Out-patient Charges

Complementary medicine

Up to £250 per year (included within overall out-patient benefit limit) with a scheme recognised therapist or complementary medicine practitioner (Acupuncture, Chiropractic, Homeopathy and Osteopathy only)

Diagnostic tests (excluding scans)

Out-patient - £500

Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)

Out-patient - £1,000

Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)

GP referred consultations

Out-patient - £500

Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)

Out-patient - £1,000

Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)

Physiotherapy consultant referred

Out-patient - £500

Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)

Out-patient - £1,000

Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)

Physiotherapy GP referred

Out-patient - £500

Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)

Out-patient - £1,000

Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)

Psychiatric cover

Psychiatric - Removed

Cover removed

Out-patient - £500

Up to £500 pa (this is the overall aggregate out-patient benefit on the policy)

Out-patient - £1,000

Up to £1,000 pa (this is the overall aggregate out-patient benefit on the policy)

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Full refund (also includes PET scans)

Key Facts - Additional Benefits

NHS cash benefit

NHS cash benefit - £50

£50 per night (35 nights pa)

NHS cash benefit - £100

£100 per night (35 nights pa)

Nursing at home

£600 pa

Parental accommodation

Full cover (for child under 12 years old)

Primary care

Not covered

Private ambulance

£80 per trip subject to annual maximum of £320

Additional Benefits

Alcohol & drug abuse

Discretionary

Annual maximum limit

No annual maximum

Children covered

Over Aged Dependants - 21 years

Up to 21 years of age

Over Aged Dependants - 24 in FTE

Up to 24 years of age if in full time education

Over Aged Dependants - 24 no FTE

Up to 24 years of age irrespective of full time education

Chiropractors & Osteopaths

Up to £250 pa - paid out of complementary medicine benefit limit

Dental treatment

Oral surgery only

Discretionary Benefit Option (DBO)

Available subject to agreement

GP minor surgery

Not covered

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Pregnancy

Complications covered - provided mother member for 12 months

Stress counselling helpline

Not covered. EAP product available

Transplants

Not covered


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